Rating based on 10 reviews



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

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Author Zopa. Screenshot of Zopa website. [Accessed May 11, 2020]

About Zopa

Asking for money is never fun or easy and can cause you many sleepless nights. 

Our aim is to make applying for a loan as quick and easy as possible at Zopa Loans. Ever since 2005 when we first opened our doors we were one of the first companies ever to offer peer-to-peer lending.

Since then we have helped countless UK citizens with easy online personal loans that are transparent and fair.

Our consultants are there for you should you require any assistance or have any questions, but for added convenience, the entire loan process can be completed online. We use the latest technology to give you an outcome in record-breaking time.

Tools to manage your money

In 2018 we expanded our offerings to include all banking services but with one very big difference. Our main aim is to save you as much money as possible.

Our quick loans rates are very competitive and as we have all the authority of a traditional bank without any of the negatives we are able to offer you a personalised loan rate.

Apply online in seconds to see if you qualify without your application having a negative impact on your credit score.  Our website is full of tools and resources to help you manage your money better and give you a basic idea of what a loan would cost you.

Innovative loan products

No matter what type of loan you are searching for, we will be able to assist you. If you are looking for vehicle financing, a loan to help you pay for your upcoming wedding or a personal loan to use without any restrictions, you have come to the right place.

Zopa Services

We are not simply a lender as we have expanded our business to offer all the services that you would find at a regular bank without any of the drawbacks.

Applying for one of our personal loans won’t have a negative effect on your credit score and our interest rates are the lowest in the business. No pesky paperwork to complete, no annoying trips to the branch and absolutely no stress – that is our guarantee. Our loan approval rating is very high and you can complete the entire application process online.

No penalties for repaying your loan early

Once the time comes to repay your loan we keep the process simple. Set up a direct debit on your account to run automatically to ensure that you never miss a payment. If you would like to make additional payments on your loan, you are encouraged to do so. You won’t be charged any penalties for repaying your loan early.

Apply for an online loan of up to £25, 000 over a 5 year loan period. If you meet the loan requirements you are welcome to apply and see how much you qualify for.

Loan criteria include:

  • You need to be at least 20 years old to apply
  • A citizen and resident of the UK
  • 3 years of address history
  • Employed, self-employed or retired with a pension (stable income)
  • You must earn at least £12, 000 per year before tax
  • You need to have an established credit history with a good credit score
  • A copy of your utility or credit card bill
  • Show your ability to afford the loan

It only takes 3 minutes to complete the online short-term loan application and we will then send you a personalised quote.

Zopa Product Details

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

Benefits of Zopa

  • Apply within 3 minutes
  • Our application is entirely online
  • We have a fast-personalized rate
  • The lowest rates starting at 4.9%

Get a quick personal loan online with Zopa

Applying for multiple payday loans can be very damaging to your credit score and make it even more difficult for you to obtain a loan in the future. Our system uses a soft credit search in order not to damage your credit score. This gives you access to multiple lenders with one simple application form.

When a lender does a hard credit search this information is listed on your credit report and can lower your credit score. 

Personalized custom rates

Our system analyses your personal data and then works out a customized rate. As a responsible lender, we will never offer to lend you more money than you can afford to repay.

To verify your details takes time so you can expect to have the cash paid out for an approved personal loan within 3 days. If you need the money quickly then our fast track option for a small fee of £10 will make sure that the money will be paid into your account within 1 day.

Make repaying your loan easy

You already have so many things to worry about than remembering to pay your loan is probably the last thing on your mind. That is why we have made it so simple for you to pay back your loan. So that you never have to worry about missing a payment, we will help you set up an automatic debit on your account to run for the duration of the loan.

If you would like to make additional payments on your loan you may do so, without needing to worry about penalty fees.  Simply use the online dashboard to make your extra payment.

If you would like to settle your loan early give us a call so that we can assist you.

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Zopa is a trusted & reliable provider of personal loans

In our review, Zopa 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 is a registered credit provider in the UK; FCA number 800542

Customer Reviews & Testimonials

Zopa offered me really affordable repayment terms, so much so that I could pay my loan off early and they didn't even charge me for early repayment!

Shae F
— Glasgow —

My loan along with repayment structure and rates were tailored to my needs and credit history.

Huntley E
— Dorchester —

Zopa Contact Details

Physical Address

  • 47-49, Cottons Centre, Tooley St London England 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