Zopa Loan

  • Zopa is a peer-to-peer lending specialist that was founded in 2005 and is authorised and regulated by the Financial Conduct Authority (FCA)
  • You can compare the latest interest rates on loans from Zopa against other leading lenders in the table below.

Compare Zopa Loan

  • Zopa logo

    Zopa

    • Representative APR
      3.0% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be at least 20 years old
    • Must be a current UK resident with 3 years of address history in the UK
    • Must have credit history and a good track record of repaying debt
    • Minimum income of £12,000 per year (this could be a salary or pension)

Compare similar products from other providers

  • M&S Bank logo

    M&S Bank

    • Representative APR
      2.8% APR (£7,500 to £20,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must be over 18
    • Must be a UK resident
    • Must have an annual income of at least £10,000
  • Santander logo

    Santander

    • Representative APR
      3.0% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £20,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 21 or over
    • Must be a permanent UK resident
    • Must have a regular income of at least £6,000 per annum
    • Must have been not declared bankrupt, had a CCJ or an IVA within the last 6 years
    • Existing Santander customers can apply for loans up to £25,000.
  • Tesco Bank logo

    Tesco Bank

    • Representative APR
      3.0% APR (£7,500 to £25,000)
    • Available Amounts
      £1,000 to £35,000
    • Min / Max Terms
      1 to 10 years

    Eligibility Criteria

    • You must be aged between 18 and 74 throughout the term of the loan
    • You must have been a permanent UK resident for three years and have a UK personal current account
    • You must have a minimum annual income of £10,000
    • You must have a good credit rating
  • Santander 1|2|3 World Personal Loan logo

    Santander 1|2|3 World Personal Loan

    • Representative APR
      3.0% APR (£7,500 - £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Loans over £20,000 available at this rate only to existing Santander 1|2|3 World or Santander Select customers
    • Must be a UK resident
    • Must be over 21
    • Must receive a regular gross annual income of at least £6,000
    • Must not have been declared bankrupt or had a CCJ or an IVA within the last 6 years
    • Repayments must be made by Direct Debit
    • Subject to status
  • AA Financial Services Limited logo
    Broker

    AA Financial Services Limited

    • Representative APR
      3.1% APR (£15,001 to £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must have been a UK resident for at least 3 years
    • Must be over 21 and no older than 70 when the loan term ends
    • Must have a regular income above £12,000 a year. If self-employed, you must have been so for over 2 years
    • Must have a good credit rating without a history of County Court Judgment or bankruptcy
    • Must have a UK based bank or building society account that can pay direct debits
    • Must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
  • first direct - Current account holders only logo

    first direct - Current account holders only

    • Representative APR
      3.3% APR (£7,000 to £30,000)
    • Available Amounts
      £1,000 to £50,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Exclusively available to first direct current account holders
    • Must be 18 or over
    • Credit is subject to status
  • NatWest logo

    NatWest

    • Representative APR
      3.4% APR (£7,500 to £19,950)
    • Available Amounts
      £1,000 to £50,000
    • Min / Max Terms
      1 to 8 years

    Eligibility Criteria

    • Must be over 18
    • Must be an existing NatWest current account holder
    • Must earn a regular income
  • Royal Bank of Scotland logo

    Royal Bank of Scotland

    • Representative APR
      3.4% APR (£7,500 to £19,950)
    • Available Amounts
      £1,000 to £50,000
    • Min / Max Terms
      1 to 8 years

    Eligibility Criteria

    • Must be over 18
    • Must be an existing Royal Bank of Scotland current account holder
    • Must earn a regular income
  • Nationwide - Available to members only logo

    Nationwide - Available to members only

    • Representative APR
      4.2% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 18 to 79
    • Must have the full right to live and work in the UK and will be a UK resident for the full length of the loan
    • Must have a minimum combined income of £700 per month (from earnings and/or a pension)
    • If self-employed, must be a homeowner and be able to supply 1 year's audited accounts
    • Must have a good credit history
  • Ikano Bank logo

    Ikano Bank

    • Representative APR
      4.5% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be 18 or over
    • Must be a UK resident
    • Must have a minimum income of £10,000 a year
    • Must have a good credit history
    • Must have a UK bank account in your name which accepts Direct Debits
  • RateSetter logo

    RateSetter

    • Representative APR
      6.7% APR (£7,000 to £25,000)
    • Available Amounts
      £500 to £35,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be over 21
    • Must hold a UK bank or building society account
    • Must have been a UK resident for a minimum of 3 years
    • Must have a regular source of income
    • Must have a good credit history
  • Norton Finance - For homeowners only logo
    Broker

    Norton Finance - For homeowners only

    • Only available to homeowners
    • Representative APR
      16.9% APR
    • Available Amounts
      £3,000 to £250,000
    • Min / Max Terms
      1 to 25 years

    Eligibility Criteria

    • Must be aged 18 to 80
    • Must be a homeowner
    • Must have a minimum income of £7,500 per year from employment, pension or benefits
  • Citrus Loans logo
    Broker

    Citrus Loans

    • Representative APR
      24.2% APR (£15,000 - £19,999.99)
    • Available Amounts
      £1,500 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 18 to 65 years
    • Must be a UK resident
    • Must be full time employed
    • Must be earning over £1200
  • Opal Loans and Mortgages logo
    Broker

    Opal Loans and Mortgages

    • Representative APR
      35.7% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be 18 and 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
  • UK Credit Guarantor Loans logo

    UK Credit Guarantor Loans

    • Guarantor
    • Representative APR
      39.9% APR
    • Available Amounts
      £1,000 to £10,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 18 to 70
    • Must be a UK resident
    • Must not be recently bankrupt, in an IVA or a Debt Management Plan
  • Aspire Money logo
    Broker

    Aspire Money

    • Representative APR
      49.9% APR (£500 to £10,999)
    • Available Amounts
      £500 to £25,000
    • Min / Max Terms
      1 to 10 years

    Eligibility Criteria

    • Over 18s only
    • UK residents only
    • Must be full time employed
    • Must be earning over £1200
  • Amigo Guarantor Loans logo

    Amigo Guarantor Loans

    • Guarantor
    • Representative APR
      49.9% APR (variable)
    • Available Amounts
      £500 to £10,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 18-75
    • Must be a UK resident
    • Must not be on an active bankruptcy, IVA or equivalent
  • Everyday Loans logo

    Everyday Loans

    • Representative APR
      93.6% APR
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      2 to 5 years

    Eligibility Criteria

    • Must be aged 18 years and older
    • Must have the full right to live and work in the UK and will be a UK resident for the full length of the loan
    • Must be able to afford the repayments and demonstrate a regular income
    • Homeowners, tenants and living with parent(s) customers are accepted
  • Juo Loans logo

    Juo Loans

    • Representative APR
      99.9% APR
    • Available Amounts
      £1,000 to £3,000
    • Min / Max Terms
      1 to 3 years

    Eligibility Criteria

    • Must be aged 18 to 65 years
    • Must be a UK resident (not a resident of the Channel Islands)
    • Must be paid monthly or 4 weekly basis
    • Must have a UK bank account
  • 118 118 Money  logo

    118 118 Money

    • Representative APR
      99.9% APR
    • Available Amounts
      £1,000 to £5,000
    • Min / Max Terms
      1 to 2 years

    Eligibility Criteria

    • Must be aged 18 - 70
    • Must be a UK resident
    • Must have a net monthly income of £700+
    • Must hold a current UK bank account and debit card
    • Must have a mobile phone and email address
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

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