About Zopa
Zopa pioneered peer-to-peer lending in the UK and is now a fully licensed bank. Its personal loans stand out for competitive APRs and a soft-search eligibility checker that shows your likely rate without harming your credit score. Everything is managed in a slick app, and Zopa also offers savings accounts and a credit card, making it a strong all-round digital lender.
Pros
- Soft-search quote with no impact on your credit score
- Competitive APRs for good credit profiles
- Fast online decision and funding
- Fully app-based, FSCS-protected bank
Cons
- Best rates reserved for strong credit profiles
- Advertised APR not guaranteed for everyone
- No branch network
Best for
Borrowers who want a quick, transparent quote without hurting their score