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Zopa Personal Loans (Personal Loan)
Zopa is a lending and borrowing exchange, where real individual people sidestep the banks and their mark up to get a better deal. Contracts are essentially between individual parties -similar in a way like Betfair for lending. It's where lenders can make a better rate of interest than banks, and borrowers can enjoy a low APR. Please note that you will need a very good credit history to get an unsecured loan. Please make sure that you read the terms and conditions carefully to ensure that you fully understand your financial obligations and how the loan works.
Zopa allow borrowers to repay their loan early with no penalty or sneaky fees, so it's a really flexible loan
Zopa lenders also offer loans at some of the lowest rates in the market.
Have to have a good credit rating to be accepted
Suitable For
People with a good credit rating.
Terms & Conditions
Note that Zopa does not lend to anyone with CCJs or unsatisfied defaults. You'll also need a minimum annual income of 12,000 with demonstrable ability to afford the loan, and no recent missed payments on any of your credit lines.
Credit Check: YesInstant Decision: No
Online Application: YesSecured Loan: Yes
Unsecured Loan: YesMobile Loan: No
Debit Cards: YesBank Account: Yes
Wedding Loan: No
Loan Duration
Minimum Term: Less than a month
Maximum Term: 5 Years
Loan Amounts
Amount: 1000 - 15000
Minimum Advance: £1,000.00
Maximum Advance: £15,000.00
Costs, Rates & Fees
Representative APR: 8%
Representative Example: Not available
Zopa Loans (Which Way To Pay - 29/5/2009)
Zopa Loans is ranked 4 out of 5. Based on 1 review.

4 Star Rating

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