Zopa Loans




This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£1,000 - £25,000

Representative APR

Loan Term
1 - 7 years

Loan Type
Peer to Peer Lender

Homeowners & Tenants

Rated 5.0/ 5

Good Credit

Zopa directly match people looking for a personal loan with people looking to invest. It's their way of making money simple and fair. Since 2005 Zopa have approved a staggering £2.92 billion in loans.

Representative Example

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Zopa loans

Zopa offers both loans and the chance to invest with people across the country. More than ten years ago, Zopa spotted a gap in the market when they realised that people were borrowing money at high rates, while investors were receiving low returns on their money. Zopa stepped in and decided that the best thing to do would be to bring both borrower and investor together, which would mean that everyone becomes better off. We’ve grown year on year, and we’ve done it without compromising on our high standards of customer care.

At Zopa Loans, we believe that borrowing money should be easy for you and not be something that holds you back in life. We shape the future of finance by offering extremely competitive rates, intuitive products that are flexible to suit your needs and we pair all of this with award-winning customer service. We’ve been trusted by both investors and borrowers for the past 13 years, and we’ve lent almost £4billion to our customers in the UK and we’ve approved over 300,000 borrowers in that time. Peer to peer lending is about people helping people, with us facilitating that help. We’re proud of that service.

Products & Features

At Zopa Loans, we directly match our borrowers with a suitable investor. You can use our online calculators to see what rate you could get with us, and our APRs range from 2.9% to 34.9% depending on your circumstances. You get the chance to bypass your bank who have previously said no for a better rate from your peers. So, why should you choose Zopa Loans?

  • Our rates are more often than not, lower than the bank that you use.
  • Our soft search facility gives you the chance to see whether or not we can help - without affecting your credit rating.
  • For those with a good credit history, we approve over £2million every day.
  • Our application is simple and entirely online, which means that you don’t have to wait for paperwork to come out in the post. It’s easy, accessible and a decision can be made in minutes.
  • We encourage you to pay your loans early and we don’t penalise you for it with early repayment fees.
  • Zopa Loans are as transparent as possible, with no hidden fees and charges.

Zopa Loans could help you get the new car that you want, make those integral home improvements or pay off extra debts. From 8am to 8pm, we are here to help you. By being entirely online, we can lower our overheads and pass on more rewards to customers. We are obsessed about tech, data and all things finance, which allows us to deliver an exceptional customer service experience.


From 2004 to today, Zopa Loans have been providing an alternative route to new finance for customers. With more than 60,000 investors on board, you can get the help you need whether you are hunting for a loan for a wedding or you’re looking to top up an existing loan.