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Loans from Zopa



Personal Loan


APR representative

Per month

Total repayable

Excellent credit rating required

Representative Example: A loan of £7,500 over 5 years will cost you £157.40 per month at a representative 9.9% APR. The total cost after 5 years is £9,443, which includes £1,763.93 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.  

Personal Loan

No customer rating available yet
Good choice for
  • Early repayments
  • Allow for overpayments
  • Competitive APR rates
Watch out for
  • Requires a good credit history
  • Borrowing fee (included in your monthly repayments)
  • Must be a UK resident over the age of 20
  • Must have a UK bank account

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About Zopa

Zopa is a peer-to-peer lender offering loans from £1,000 to £25,000 which can be repaid over a term of one to five years. Their representative APR is 9.9% but this may change during the application process as they take into account the amount being borrowed, the loan term and your personal circumstances. When borrowing with Zopa you will be charged an origination fee that will depend on your Zopa credit score, the amount of money you borrow and the period in which you plan to repay your loan. This fee will be included in your APR, rather than being charged upfront.

Once you have applied for a loan with Zopa you can receive a decision within two working days and if you are approved the funds will be with you within three working days. Your repayment date will automatically be set to 30 days after your loan is approved, however this can be changed to whichever date within the month is most convenient for you - beware this could potentially increase or decrease the amount of your next repayment.

Zopa allow for over payments as well as early settlements and don’t charge for either, meaning that you can reduce the amount you repay overall. You’re able to apply for a top-up, however this must be applied for at least six months after your initial loan approval and the total of the loans cannot exceed £25,000.

In order to apply for a loan with Zopa you must be at least 18 years old and be living in the UK. You must have a current account in your own name with a UK bank and you will also need a good credit history.

Contact information

0207 580 6060
1st Floor Cottons Centre Tooley Street London SE1 2QG Google map
Registration no:

FCA registration

Reference no:
Trading names
Zopa Limited
Place of business
1st Floor Cottons Centre Tooley Street London SE1 2QG Google map

Data protection registration

Reference no:
Data controller
Zopa Limited
1st Floor Cottons Centre Tooley Street London SE1 2QG Google map