Loan companies like Zopa

Since starting out in 2005, Zopa has become one of the biggest names in peer-to-peer lending, but it's no longer alone in this space.

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Alternatives to Zopa

Company Description Example Loan
Lendable Personal Loan Borrow £1,000 to £20,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768. Representative example: Borrow £7,500 over 36 months at a rate of 18% p.a. (fixed) with £440.00 fees. Representative APR 22.9% and total payable £10,144.52 in monthly repayments of £281.79. Check eligibility
JustUs Personal Loan Borrow £2,000 to £25,000 over terms from 24 to 60 months. Representative example: Borrow £10,000 over 5 years at a rate of 10.0% p.a. (fixed) with no fee. Representative APR 11.7% and total payable £13,258.16 in monthly repayments of £220.97. More info
Lending Works Personal Loan Borrow £1,000 to £25,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 723151. Representative APR 9.9%. The rate you are offered depends on your personal circumstances, the loan amount and the repayment term, and may differ from the Representative APR. Check eligibility
Madiston LendLoanInvest Unsecured Personal Loan Borrow £1,000 to £7,500 over terms from 12 to 60 months. FCA firm registration number: 724098. Representative example: Borrow £3,500 over 5 years at a rate of 4.9% p.a. (fixed) with fees of £105.00. Representative APR 7.31% and total payable £3770.64 in monthly repayments of £104.74. More info
QuidCycle Personal Loan Borrow £2,500 to £25,000 over terms from 12 to 60 months. QuidCycle specialises in helping borrowers to refinance and consolidate expensive debt. FCA firm registration number: 655370. Representative example: Borrow £10,000 over 5 years at a rate of 6.9% p.a. (fixed) with no fee. Representative APR 6.9% and total payable £11,880.00 in monthly repayments of £198.00. More info
RateSetter Personal Loan Borrow £500 to £35,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768. Representative example: Borrow £5,000 over 1 year at a rate of 3.9% p.a. (fixed) with no fee. Representative APR 3.9% and total payable £5,195.00 in monthly repayments of £432.92. More info
Late repayments can cause you serious money problems. See our debt help guides.

What is Zopa?

Zopa’s online platform matches investors looking to earn bank-beating interest with borrowers looking to pay as little as possible on a loan. By cutting out the overheads associated with a traditional high street bank, Zopa aims to offer better rates to its customers.

Compare personal loan costs from a range of lenders

Before you take out a personal loan, it’s smart to read up and shop around. You can use the cost estimating tool below to see how much you’d be likely to pay for the loan that you have in mind from a range of popular lenders:

Table: sorted by representative APR, promoted deals first
1 - 7 of 7
Name Product Total Payable Monthly Repayment Representative APR Link
Lending Works Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 12.0% p.a. (fixed) with an application fee of £0.00. Representative APR 12.5% and total payable £11,928.96 in monthly repayments of £331.36.
HSBC Existing Customer Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.3% p.a. (fixed). Representative APR 3.3% and total payable £10,509.12 in monthly repayments of £291.92.
Novuna Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.1% p.a. (fixed). Representative APR 3.1% and total payable £10,478.16 in monthly repayments of £291.06.
Lloyds Bank Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 4.4% p.a. (fixed). Representative APR 4.4% and total payable £10,678.68 in monthly repayments of £296.63.
Barclays Bank Existing Current Account Customer Barclayloan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 7.9% p.a. (fixed). Representative APR 7.9% and total payable £11,219.04 in monthly repayments of £311.64.
Zopa Personal Loan
Finder Award
Zopa Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 5 years at a rate of 8.8% p.a. (fixed) with an application fee of £240.00. Representative APR 9.9% and total payable £12,602.87 in monthly repayments of £210.05.
My Community Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 18.7% p.a. (fixed). Representative APR 18.7% and total payable £12,882.60 in monthly repayments of £357.85.
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1 - 2 of 2
Name Product Total Payable Monthly Repayment Representative APR Link
118 118 Money Personal Loan
Check eligibility
View details
Representative example: Borrow £2,000.00 over 2 years at a rate of 49.9% p.a. (fixed). Representative APR 49.9% and total payable £2,967.36 in monthly repayments of £123.64.
Fintern Fintern Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 18.8% p.a. (fixed). Representative APR 18.8% and total payable £12,897.72 in monthly repayments of £358.27.
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With no guarantor

1 - 1 of 1
Name Product Total Payable Monthly Repayment Representative APR Link
Likely Loans Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 59.9% p.a. (fixed). Representative APR 59.9% and total payable £19,010.16 in monthly repayments of £528.06.
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With a guarantor

1 - 1 of 1
Name Product Total Payable Monthly Repayment Representative APR Link
1plus1 Loans Guarantor Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 47.8% p.a. (fixed). Representative APR 47.8% and total payable £17,259.12 in monthly repayments of £479.42.
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With a guarantor who is a homeowner

1 - 1 of 1
Name Product Total Payable Monthly Repayment Representative APR Link
UK Credit Limited Unsecured Homeowner Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 26.9% p.a. (fixed). Representative APR 26.9% and total payable £14,135.04 in monthly repayments of £392.64.
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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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