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.

We give people access to simpler, better-value loans and investments. At Zopa, we have helped thousands of customers take the stress out of money by building our business on honesty, transparency, and trust.

Authorities that regulate Zopa

  • Financial Conduct Authority- we are currently regulated by the FCA as a bank. At first, we were regulated by the Office of Fair Trading.
  • Prudential Regulation Authority- we adhere to all PRA requirements, one of the successors of the Financial Services Authority. It was designed to ensure the stability of the UK financial system by the Bank of England.

Our dedication and hard work

From the first day, we started working, we were so dedicated and keen to finally bring a financial solution to our people. We are a team that strives to achieve one goal which is to help people. Several companies have noticed our dedication and appreciated it by giving us awards. In 2018 we won two awards Most Trusted P2P Platform and Best customer service. In 2019 we won UK Finance member and recently in 2020, we won Best Personal Loan Provider.

Access to other great products and tools

We always look for ways to empower all our customers to manage their money better. We have a clever to use technology that made us have a soft' credit check that does not impact on someone’s credit rating. At Zopa, we can evolve easily and use the latest tech to give you a great experience.

Zopa Loans Services

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

All  Zopa loans are accompanied by lower interest rates. You can see your personalized loan in just 3 minutes.

Zopa personal loans

A personal loan is a small amount you apply for that you will use to cover your personal expenses. At Zopa, we have the best personal loan deals. We even received recognition from the British Bank Awards. With Zopa personal unsecured loan you can get from £1,000 to £25,000 which you can repay over a certain period that will be discussed by you and your lender.

The reasons you should choose Zopa loans

  • We have a fast-personalized rate that won't affect your credit score.
  • We have the lowest rates in the country and it only takes 3 minutes to find out yours.
  • Our application is entirely online, there’s no paperwork.
  • We only approve people with a good credit record. And approve more than 300 loans each day. At Zopa, we can offer pre-approval for up to 65 percent of applicants, in as little as 12 seconds.
  • When you decide to pay extra on your loan, we do not charge your early repayment fee.
  • We have award-winning customer service. So, it is guaranteed that when you work with us you will get great service as standard when you need to get in touch.

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 Online loan calculator is subject to our terms of use.

Zopa the best peer to peer lending company

Apply online and be approved in minutes.

In most cases, other lenders will take days to approve your application so take advantage of being approved in minutes. Do not wait any longer, start your application now.

How to apply for Zopa loans

When you need any of our products, you can simply visit our official website and start your application. You can apply by following these steps:

  1. Go to our website and make use of our online calculator to calculate the amount you need. The calculator will show you the possible instalments and interest rates.
  2. For you to apply, you should click on the apply now button. Fill in the loan application in full and submit it.
  3. Once you submit. We will look at it, verify the information and get back to you within a few minutes. If you are approved, we will send you documents that require your signature. After you have returned the documents you may receive your loan in a few hours.

Who can apply for Zopa loans

Before you attempt to apply for Zopa loans you should meet our general criteria. Which includes:

  • Be an over 18 UK resident
  • Employed permanently
  • You are not bankrupt
  • Have a good credit score.

Change your repayment amount at Zopa

Although we offer a fixed payment, you can change your monthly repayment amount. Only if you pay extra towards your loan. However, it is not an easy decision to make because it means we must change our agreement.

Zopa accepts Airbnb earnings

When you apply for a loan, we do a credit check, to see if ever you will be able to afford the instalment. Although we accept Airbnb, your circumstances speak volumes. We might decline it if you are not fit enough for a loan.

Zopa is easily accessible. You can access our services 24/7. All you need is a network connection and visit and our website. You can also visit our offices to apply for a loan. Zopa is also available on Twitter, Facebook, and Instagram.

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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 the UK; FCA number 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