Zippa Loans offers unsecured small personal loans to customers who cannot or do not have access to mainstream credit. They pride them selves in offering one of the most competitive rates in the online industry in a responsible and compliant manner. There are no hidden costs or fees, they are fully transparent and use Trustpilot to give customers an unbiased and honest view of our business before they take out a loan (our current score is 9.5 /10) They currently cover ALL of Scotland and Northern Ireland and intend to eventually supply the whole of the UK. They are fully authorized by the Financial Conduct Authority.