You are one step away from the Zopa Personal Loan. Before you apply, check the eligibility criteria and the steps below so you arrive fully prepared.
Check each requirement below before you apply. Having everything ready means a quicker decision and fewer surprises.
Most lenders let you check your eligibility with a soft search, which does not affect your credit score.
Clear criteria, faster decision
Personalised ratesApply onlineFixed monthly payments
📋 Eligibility
- Age: You must be aged 18 or over.
- Residency: You must be a UK resident.
- Income and affordability: You need a regular income and must be able to afford the monthly repayments.
- Credit check: A full credit check is carried out if you go ahead with an application.
- ID and bank account: You will need a UK bank account for repayments by Direct Debit and to pass identity checks.
🧮 How to check your repayment
- Open the loan calculator on the Zopa Bank Limited website.
- Enter the amount you want to borrow and the term in months.
- Check the estimated monthly repayment and adjust until it suits your budget.
✅ Good to know
- Fast payout: If approved, money is often paid the same day.
- Overpay or settle early: You can make overpayments or repay early; a statutory early-settlement charge of up to 58 days' interest may apply.
- Manage in the app: Track and manage your loan in the Zopa app.
Approval and the rate offered depend on Zopa Bank Limited's credit and affordability checks; your rate may differ from the representative APR.