As the world’s first online social finance community, we want to put the "personal" back in "personal loan."

When you borrow on Zopa, you get a terrific, bank-beating rate. It’ll depend on your credit, but it’s as low as 8.49% (APR), for you squeaky clean credit people. Typically, we’re about about half what local big banks charge. Your payments are fixed over 60 months.

But on Zopa, your loan payment each month could go down. You see, our community members not only borrow, but they invest, too. When they invest, they pick borrowers to help with their payments--and they could pick you, based on the profile you post. Now, that’s personal!

We have borrowers receiving so much help, it's like they are paying no interest at all.

To top it off, there are no fees to borrow, no fees to prepay early, and we charge reasonable, flat fees if you’re late on your payments. Why? Because you're a real person, a member of our community, and not just a line item on a financial statement, like at a big bank.

So if you need money, and have good credit, Zopa is probably the lowest-cost--and it's certainly the most personal--personal loan.