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Excellent4.8(6 ratings)

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Reviewed by: GreenTea

Just take a few minutes to understand the product and how to make the best use so that it fits in with your m...

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Compare Zopa Loans

This comparison includes loans for this company.

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  • Lowest representative APR
Zopa Personal Loan
Loan amount
£1,000 to £25,000
Representative APR
3.3% APR (£7,500 to £15,000)
Loan term
1 year to 5 years
You must be at least 20 years old, with an annual income of at least £12,000 & have a good credit history / no CCJ's.
Representative Example: The Representative APR is 3.3% so if you borrow £10,000 over 5 years at a rate of 3% p.a. (fixed) plus an arrangement fee of £60 you will repay £180.80 per month & £10,848.30 in total.

Zopa loan reviews

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Does Zopa provide your loan?

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23/02/12

Recommended

Zopa peer to peer lending good home for savings with good return

Just take a few minutes to understand the product and how to make the best use so that it fits in with your main financial needs.

a lump sum invested will produce monthly payments of capital and interest over three or five years(or both) and the net interest is likely to be higher than most deposit accounts. If the capital element is reinvested the income can continue indefinately. Deposits can be made at any time but withdrawals can only be made up to the value of monthly capital and interest receipts.

Zopa is also good for long term savings and the capital will increase at fixed interest rates.

The account can be used to suit individual circumstances.

Good rates and flexible account.

Some risk of bad debt controlled by spreading risk

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

20/06/13

Recommended

Zopa.com best loan rate for e

I needed a new car quickly for my job as my old car was just too expensive to repair. I needed to keep the monthly repayents as low as possible but a decent car. The Zopa loan rate beat other rates and was by far my best option. The online process is so simple, I got regular updates by email and a phone call, and overall process took 4 days from application to being approved and money in my bank. Brilliant service, thanks to all my lenders!

Easy application process, they keep to their timescale promise

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

19/06/13

Recommended

Zopa Loans - with no middlemen !

Flexible, great rates, friendly efficient customer service and a very different way to borrow money. Highly recommended.

Cheap rates and flexible

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

23/02/12

Recommended

Zopa.com for small commercial loans is brilliant

On wanting to extend my business premises last year i tried the banks. RBS was my first hit having already had a loan with them before. How horrendous this was. Loads of meetings, in the end they would offer if i secured all my property against the loan and pay for legals and surveys. Now this was just for 15K. After hunting around i found Zopa.com an online crowd funding concept where thousands of people loan, say ?10 or more in some cases to you. They make interest on their loan to you but its better than the banks. The interest is 7.8% which was perfectly acceptable and its unsecured and instant. Ive been paying for the last year. I can overpay too by adding lump sums as my business generates the money to pay the balance off.

Its been wonderful and id thoroughly recommend it. Whether you have some savings and want to earn some interest or you need to expand your business a little its perfect.

We run an art gallery and it means we now have an event space from which we host regular customer evenings which generate some good great income for the business.

Thanks to all of the people that helped us fund this expansion in the business it has been a great fun and worthwhile.

Flexibility, instant decision , good rates

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Zopa provide your loan?

Tell us what you think of them because it will help others.