An online personal loan from digital bank Zopa, with a personalised rate shown before you apply and money usually paid quickly if approved.
With a fixed rate and fixed monthly repayments, you know exactly what you will pay each month and when the loan will be cleared.
Compare the representative APR, the total amount repayable and any fees before you decide.
Benefits of the Zopa Personal Loan
- Personalised quote: See your actual rate before applying, without affecting your credit score.
- Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
- 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.
| Feature | Detail |
|---|---|
| Loan amount | From £1,000 (maximum depends on eligibility) |
| Term | 1–7 years (varies) |
| Representative APR | Varies by credit profile – see the representative example on the Zopa site |
| Eligibility | UK residents aged 18+ with a regular income |
| How to apply | Online via the official website |
Key features
Personalised quote: See your actual rate before applying, without affecting your credit score.
Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
Fast payout: If approved, money is often paid the same day.
About Zopa Bank Limited
Zopa Bank Limited is an established UK provider of personal finance products, authorised and regulated in the UK. Applying is straightforward and mostly online.
We compare independently and then send you to the provider’s official website to apply. We are not a lender or credit broker.
All rates depend on your circumstances and are subject to status. Representative examples and final terms are set by Zopa Bank Limited.