Rating based on 16 reviews

Zopa Loans

  • Personal loans up to £25,000
  • Low-interest starting from 4.9%
  • Repayment up to 5 years

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Zopa Loans homepage
Author Zopa Loans. Screenshot of Zopa Loans website.
[Accessed September 7, 2021]

About Zopa Loans

Zopa started operating in 2005 and has since grown into a well-known and trusted loan and investment provider.

The company has helped thousands of customers take control of their finances by providing honest, transparent, and trustworthy loans.

Authorities that regulate Zopa

The Financial Conduct Authority regulates Zopa as a bank which means they provide legal and trustworthy services. They also adhere to all Predunential Regulation Authority requirements, which ensures the stability of the UK financial system, regulated by the bank of England.

Dedication and hard work reaps rewards

From the first day the company opened its doors, the team dedicated their time to ensure that each client received a financial solution that fits their needs. Several companies have noticed Zopa's dedication and hard work and have awarded them for showing appreciation. They received two awards: The Most trusted P2P Platform and the Best customer service.

Zopa Loans Services

Since Zopa started operating in 2005, it has approved over £5 billion in loans.

Lower interest rates accompany all Zopa personal loans. Clients can use the online calculation tool to see their loan options within minutes.

Zopa personal loans

Personal finance is the perfect way to cover emergency costs such as renovations, medical bills, or even a well-deserved holiday. Zopa provides the best online personal loan deals, as made evident by their recognition by the British Bank Awards.

A Zopa personal unsecured loan allows clients to borrow between £1,000 to £25,000, which can be repaid over a certain period that the lender will discuss.

Benefits of a Zopa personal loan

  • They have a fast-personalized rate that won't affect clients' credit scores.
  • Clients can use a high-tech online loan calculator to determine what offer will fit their needs best.
  • They have the lowest rates in the country.
  • Their product charges are completely transparent.

Zopa Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 4.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 5 years

Benefits of Zopa Loans

  • We have a fast-personalized rate
  • The lowest rates
  • Apply within 3 minutes

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Zopa the best peer to peer lending company

Zopa provides low-rate personal finance solutions for UK citizens in need of some extra cash.

They allow clients to repay their loans early, without extra charge. The company believes in rewarding its customers for settling their debt early.

Access to other great products and tools

Zopa always looks for ways to empower all customers to manage their money better. They offer clients state-of-the-art services that make the process easier for them to apply for a personal loan in instants. The online loan application process is easy to use and also secure. Zopa uses a soft credit check that does not impact a client's credit rating.

Zopa Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 4.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 5 years

Benefits of Zopa Loans

  • We have a fast-personalized rate
  • The lowest rates
  • Apply within 3 minutes 

Apply for Zopa personal finance

Clients that meet the following requirements can apply for a Zopa loan:

  • Be a permanent UK resident over the age of 18
  • Have permanent employment with a stable monthly salary
  • Have a good credit score

Change your repayment amount at Zopa

Zopa loans come with a fixed repayment term, but clients can change their monthly repayment amount if they want to pay extra towards their loan. Although the change is free of charge, clients should keep in mind that it takes some time to complete the process because they have to change their original agreement.

Approval for Zopa personal finance

Applicants can apply by following these steps:

  • Go to the website and use the online calculator to see the possible installments and interest rates for the required amount.
  • Once clients find the offer they want, they can click the apply now button and complete the application. After that, click submit.
  • Zopa will verify the information and get back with a result within minutes.
  • If approved, they will send the documents that require signatures. Clients can return the documents online and receive their loan within a few hours.

Zopa accepts Airbnb earnings

Clients who earn money via Airbnb will be able to apply for a loan. Customers who use this service will still need to do a credit check to see if they will be able to afford the installment.

Use the Zopa loan top-up service

Clients can borrow more money using their current personal loans. The only condition is that clients can only use the borrower option six months after applying for their loan.

Zopa ensures that customers only borrow what they can repay, which is why they will perform another credit check. The borrowing limit still stays £25,000, meaning that if a client borrows £5,000, they have up to £20,000 left to borrow.

Apply for a personal loan with Zopa

Zopa provides top-of-the-range personal finance services that clients can access 24/7. The only thing applicants need is a network connection and a device to visit the website. Those that prefer a more personalized service can visit the company offices to apply for their loan.

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Zopa Loans is a trusted & reliable provider of personal loans

In our review, Zopa Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Zopa Loans is a registered credit provider in UK: FSA 800542

Customer Reviews & Testimonials

November 2019

I received a loan with the lowest interest rate from Zopa

George T
— London —

December 2019

I received a loan with the lowest interest rate from Zopa

Mike U
— England —

Zopa Loans Contact

Physical Address

  • 47-49, Cottons Centre, Tooley St London SE1 2QG United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed