Zopa Review

Company Name: Zopa LImited

Trading name of: Zopa

Registration Number: 05197592

Credit Licence Number: 563134/1

Representative APR: 3.5%

Maximum Loan Amount: £25,000

Loan Term: 1 to 5 years

Cost to Borrow £1,000 over 1 year: £1,087.46

Representative Example:  A loan of £10,000 over 5 years will cost you £181.67 per month at a representative 3.5% APR.The total cost after 5 years is £10,900.30, which includes £780.30 interest at 3.0% fixed and a £120.00 fee. The total amount of credit is £10,120.
The rate and fee you are offered will depend on your individual circumstances

Hidden Fees:Free registration, loan fee (£10 to £330 depending on loan amount and term)

Promo Code: No


About: Zopa is a peer to peer lender. That means the lender is actually a group a lenders, people like you and me wishing to invest some money by lending to borrowers. Zopa is not a lender so to say but the necessary intermediary between lenders and borrowers.

To apply as a borrower with Zopa, you must be over 20 years old, have been a UK resident for 3 years minimum and earn at least £12,000 per year. You also need a solid credit history.

Their rates are among the lowest in the market and they are quite flexible as you can repay your loan earlier without fees or make an extra payment for instance.

You can borrow a minimum of £1,000 and up to £25,000 for a period of 1, 2, 3, 4 or 5 years. You might use a Zopa loan to buy a car, manage existing debts, pay off your credit cars, decorate your home...

Send your own review of Zopa in the comments below


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