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Zopa Credit Card - Guaranteed 33.9% APR

Max Credit Limit
£1,500
Representative APR (variable)
33.9 % APR
  • Specifically designed for people with bad credit
  • The rate you see here is the rate you will get, if accepted
  • This card can help you improve your credit score
  • Can accept customers with a limited credit history
Check My Eligibility

Features

  • Designed for people with poor credit ratings including those with past CCJs (over 12 months)
  • Credit limits range from £200 to £1,500
  • A Cash Advance Fee of £3 exists on every Cash Advance made

Eligibility

  • Must be a UK resident and have lived in the UK for 12 months
  • Must not have had a CCJ added in last 12 months
  • Must not have a non-settled court judgement in the last 12 months
  • Must not have had a default added in last 12 months or had 2+ unsettled defaults added in last 24 months
  • Must not have gone insolvent in the last 12 months

Rates & Fees

  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card. Rates and duration can differ depending on individual circumstance
    Intro RateIntro RateThe lowest interest rate you will be charged over the balance transfer period on any balance transferred to the card depending on individual circumstancen/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe lowest interest rate you will be charged over the purchase period on any new spending on the card depending on individual circumstancen/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Annual Interest RatesStandard APRsThe Annual Interest Rate is the lowest interest rate that you will be charged on different types of borrowing after the end of any introductory offers. However, you may be charged higher rates depending on individual circumstance.
    Balance TransfersBalance TransfersThe lowest interest rate you will be charged on balance transfer after the end of any introductory offers depending on individual circumstance.n/a
    PurchasesPurchasesThe lowest interest rate you will be charged on new spending after the end of any introductory offers depending on individual circumstance.33.9 %
    Cash WithdrawalsCash WithdrawalsThe lowest interest rate you will be charged on any cash withdrawals you make with the card depending on individual circumstance.33.9 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee free£0
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as feen/a
    Minimum Age18 years
    Minimum Income£10,000
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee0 %

What do 'pre-approved' and 'card approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Card approved means that you will get accepted for the card, providing the information you give is accurate and you pass the lender's checks, but could be offered a different rate to that advertised.

Coronavirus help and support

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