Zopa Personal Loan

Zopa started as a peer-to-peer lender and is now a fully licensed bank. Known for competitive rates and a slick online experience with soft credit check eligibility tools.

Last checked on June 14, 2026. We may earn a commission when you click through.

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Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.

Personal Zopa

Zopa Personal Loan

Updated 24 minutes ago

At a Glance

Representative APR

5.9–34.9%

Loan Amount

£1,000–£35,000

Term

12–60 mo

Decision

Minutes

No impact on your credit score Check eligibility →

You'll be redirected to zopa.com

Eligibility Requirements

UK resident
18+
Soft credit check first

Our Verdict

Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.

Best For

Tech-savvy borrowers who want a modern, fully online application with clear rate previews.

Watch Out

The APR range is wide (5.9–34.9%). If your credit isn't spotless, you could end up paying well above average.

Check eligibility →

You'll be redirected to zopa.com

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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