Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

This comparison includes a selection of unsecured peer to peer loans.
We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
Zopa Personal Loan - Semi-Exclusive
Loan Amount
£1,000 to £25,000
Representative APR
3.6% 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 3.7% so if you borrow £10,000 over 3 years at a rate of 3.1% p.a. (fixed) plus an arrangement fee of £90 you will repay £293.81 per month & £10,577.07 in total.
Lendable 5 Year Loan
Loan Amount
£1,000 to £15,000
Representative APR
5% APR
(£1,000 to £15,000)
Loan Term
5 years
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
Representative Example: The Representative APR is 5% APR (fixed) so if you borrow £7500 over 5 years at a rate of 4.19% p.a. (fixed) plus an arrangement fee of 2%, you will repay £141.53 per month & £8,492.06 in total.
Lendable 3 Year Loan
Loan Amount
£1,000 to £15,000
Representative APR
5.4% APR
(£1,000 to £15,000)
Loan Term
3 years
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
Representative Example: The Representative APR is 5.4% APR (fixed) so if you borrow £5000 over 3 years at a rate of 4.08% p.a. (fixed) plus an arrangement fee of 2%, you will repay £150.75 per month & £5427.15 in total.
Lendable 2 Year Loan
Loan Amount
£1,000 to £15,000
Representative APR
5.8% APR
(£1,000 to £15,000)
Loan Term
2 years
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
Representative Example: The Representative APR is 5.8% APR (fixed) so if you borrow £5000 over 2 years at a rate of 4.34% p.a. (fixed) plus an arrangement fee of 1.5% you will repay £221.15 per month & £5307.67 in total.
Lendable 1 Year Loan
Loan Amount
£1,000 to £15,000
Representative APR
9% APR
(£1,000 to £15,000)
Loan Term
1 year
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
Representative Example: The Representative APR is 9% APR (fixed) so if you borrow £5000 over 1 year at a rate of 6.2% p.a. (fixed) plus an arrangement fee of 1.5%, you will repay £437.26 per month & £5247.09 in total.
RateSetter 1 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
9.4% APR
(£1,000 to £25,000)
Loan Term
1 year
Quick and simple online process, approval within 24 hours. No early repayment charges and all fees are included in the APR. Need good credit history.
Representative Example: The Representative APR is 9.4% APR (fixed) so if you borrow £5,000 over 1 years at a rate of 4.4% p.a (fixed) plus an arrangement fee of £125.50 you will repay £437.28 per month & £5,247.36 in total.
RateSetter 2 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
7.2% APR
(£1,000 to £25,000)
Loan Term
2 years
Quick and simple online process, approval within 24 hours. No early repayment charges and all fees are included in the APR. Need good credit history.
Representative Example: The Representative APR is 7.2% APR (fixed) so if you borrow £5,000 over 2 years at a rate of 4.4% p.a (fixed) plus an arrangement fee of £133.00 you will repay £223.73 per month & £5,369.52 in total.
RateSetter 5 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
9.6% APR
(£3,000 to £25,000)
Loan Term
49 months to 5 years
Representative Example: The Representative APR is 9.6% APR (fixed) so if you borrow £5,000 over 5 years at a rate of 7.8% p.a (fixed) plus an arrangement fee of £160.00 you will repay £104.19 per month & £6,251.40 in total.
RateSetter 4 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
9.8% APR
(£1,000 to £25,000)
Loan Term
4 years
Representative Example: The Representative APR is 9.8% APR (fixed) so if you borrow £5,000 over 4 years at a rate of 7.8% p.a (fixed) plus an arrangement fee of £148.00 you will repay £125.25 per month & £6,012.00 in total.
QuidCycle 3 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
11% APR
(£5000 - £25,000)
Loan Term
3 years
The Representative Example: The Representative APR is 11% APR (fixed) so if you borrow £7,500 over 3 years at a rate of 11% p.a. (fixed) you will repay £245 per month & £8,820 in total.
QuidCycle 5 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
12% APR
(£5000 - £25,000)
Loan Term
5 years
Representative Example: The Representative APR is 12% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 12% p.a. (fixed)you will repay £167 per month & £10,020 in total.
RateSetter 6 Month Loan
Loan Amount
£1,000 to £25,000
Representative APR
13.8% APR
(£1,000 to £25,000)
Loan Term
6 months
Representative Example: The Representative APR is 13.8% APR (fixed) so if you borrow £5,000 over 6 months at a rate of 4.4% p.a (fixed) plus an arrangement fee of £125.50 you will repay £865.15 per month & £5,190.90 in total.
QuidCycle 1 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
14% APR
(£5000 - £25,000)
Loan Term
1 year
The Representative Example: The Representative APR is 14% APR (fixed) so if you borrow £7,500 over 1 year at a rate of 14% p.a. (fixed) you will repay £674 per month & £8,088 in total.
eMoneyUnion Personal Loan
Loan Amount
£2,000 to £15,000
Representative APR
14.2% APR
(£2,000 to £15,000)
Loan Term
2 years to 5 years
Representative Example: The Representative APR is 15.5% APR (fixed) so if you borrow £10,000 over 2 years at a rate of 12% p.a (fixed) plus an arrangement fee of £250.00 you will repay £482.50 per month & £11,580.00 in total.

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How to Compare Social Lending Sites

These days, you no longer have to approach a High Street bank to save or borrow money.

Now, peer to peer loan companies are springing up, letting people borrow from and lend money to other individuals.

But, how do so-called ‘p2p loans’ work? What are the benefits? And how can you compare social lending websites? We explain.

What are p2p loans?

Instead of borrowing money from a bank or building society, p2p loans involve you borrowing cash from another individual.

You can also benefit from higher returns by lending your cash through p2p loans rather than leaving them in low paying savings accounts.

The interest rate that you will receive on the best person to person loans will vary depending on your profile, your borrowing requirements and your credit history. Generally speaking, the higher the loan risk, the higher the interest rate.

Benefits of the top peer to peer loans

There are several benefits to lending or borrowing money through a social lending website.

If you’re borrowing money you can sometimes benefit from a lower interest rate than you would get through a High Street bank or building society.

And, if you have a less than perfect credit record you may still find someone prepared to lend to you, albeit at a higher interest rate.

If you’re looking to lend money then you’ll generally get a better return from the best person to person loans than you will from a traditional building society savings account. However, you will benefit from lower protection than you’d enjoy with a savings account.

How do I find the best person to person loans?

There are several websites that now arrange person to person loans. You can use our p2p loan comparison to find the best social lending site for your circumstances.

Remember to compare social lending websites based on criteria such as:

  • Minimum and maximum loan amounts
  • Minimum and maximum loan terms
  • Representative interest rates
  • Whether you will receive a lending decision online
  • The rate of interest you will be charged

Take all of these factors into consideration and you should be able to find the social lending site that gives you access to affordable borrowing.

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