Zopa Loans

  • Loans up to £25,000
  • Tenants & Homeowners
  • Use for any purpose
  • Less than perfect credit
  • Free enquiry service
red-headed young man arms folded and smiling


Lender Snapshot

Provide loans from £1000 to £25,000 for people with excellent to slightly impaired credit histories. The rate offered depends on your credit history, but applying won’t harm your credit score. It is possible that their rates may beat those of high street lenders.

Find Your Best Loan Deals:

  • Fast, FREE enquiry service
  • Multiple Lenders
  • Get 2-3 loan offers (in principle) typically
  • Same Deals as going Direct
  • Save precious time

Get Your Quotes Now!

Zopa Loans: Loan Summary

Representative APR Loan Term (months) Loan Amount (£) Instant decision E-signature available
9.9% 12 – 60 1,000 – 25,000
Representative Example: Borrow £7500 for 60 months. Repay £157.43 each month. Total interest of £1766 and a £180 fee (which is added to your loan). Total repayable £9446. Representative APR 9.9% fixed.

Lender Summary

Zopa is one of the new bread of peer-to-peer lenders (where they act as a matching service for people wanting to lend direct to others). They launched their lending service in 2005 on the back of the dramatic rise in internet usage. Their total lending exceeded £1bn in August 2015 and continues to rise rapidly. Their lending model has two of key elements:

  • an initial “soft search” of your credit file (doesn’t damage your credit score) allows Zopa to provide a tailored loan APR%
    • rates vary from 3.6% (prime) to 29.9% (near prime)
  • they are not a bank – the internet service matches your borrowing needs to those individuals wishing to lend.

Basic Lending Criteria and Other Features

  • Age: 20+
  • Minimum gross income £12,000 p.a.
  • Minimum £400 or net income minus expenses per month (ref. demonstrate loan affordability)
  • Residential Status:
    • homeowner or tenants OK
    • must be able to prove 3 years address history
  • No early repayment fees
  • Quotation system does not harm your credit score – apply at no risk and at no cost
  • Rates offered can be lower than high street banks
  • Have been awarded accolade on multiple occasions of being the “most trusted loan provider”.

Current TV Advert

User Ratings & Reviews

Zopa has not been reviewed on Solution Loans yet – be the first.

Across ReviewCentre and Trustpilot Zopa is scoring an average of 5 out of 5 stars.

Our opinion

The peer-to-peer lending market is growing rapidly on the back of major financial technology developments and the overly caustious nature of traditional banks. Zopa are the oldest and largest of this new type of loan service and their customer ratings speak for themselves. We have no hesitation in working with Zopa and it is certainly worth applying through our no-fee system to see what loan offer they can make you. Keep in mind that they are not able to help if your credit rating is on the poorer side.

Regulatory Information

  • Zopa Ltd is registered in England and Wales, number 05197592. Registered Address: 6th Floor, 90 Fetter Lane, London, EC4A 1EN.
  • Data Protection – registered with the Information Commissioner’s Office, number Z879078.
  • Authorised and regulated by the Financial Conduct Authority. Reference number 563134.

Personal Loans

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.


  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.



rating starrating starrating starrating starrating star

Our reputation is great. In fact we have scored 4.7 out of 5 based on 423 ratings & 61 user reviews for our personal loans service.


FIND A LOAN find a loan now

Answer 4 quick questions and we’ll tell you what kinds of credit may be available to you

GET A QUOTE apply now

Use our quick, simple & secure enquiry form to get a quote now. Compare deals & complete your application.

Written/Reviewed by: Amanda Gillam

rotating loading icon
arrow to return to top