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 July 30, 2026. We may earn a commission when you click through.
Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.
| Representative APR | Amount | Term | Type |
|---|---|---|---|
| 5.9–34.9% | £1k–£35k | 12–60 mo | personal |
Tech-savvy borrowers who want a modern, fully online application with clear rate previews.
The APR range is wide (5.9–34.9%). If your credit isn't spotless, you could end up paying well above average.
