See your personalised loan rates in just 3 minutes

Our rates are often lower than the banks. Checking your rates won't affect your credit score.

I want to get a loan for £

Term APR Monthly cost
5.9% £859.67
3.9% £433.67
3.9% £294.66
4.8% £229.09
4.8% £187.50

Representative example

A loan of £7,500 over 5 years will cost you £157.43 per month at a representative 9.9% APR.

The total cost after 5 years is £9,445, which includes £1,765.85 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.

The rate and fee you are offered will depend on your individual circumstances

Who is Zopa?

We directly match people looking for a personal loan with people looking to invest. It's our way of making money simple and fair.

Since 2005 we've approved £1.88 billion in loans.

Our APRs range from 3.9% to 34.9%.

“Zopa allows savers and borrowers to bypass banks and their high charges”

The Daily Mail
MoneySuperMarket Supers Awards 2016: Best Personal Loans Provider

Best Personal Loans Provider (MoneySuperMarket, 2016)

  • 3 times Personal Loan Provider of the Year (Moneyfacts, 2014 to 2016)
  • 7 times Most Trusted Loan Provider (Moneywise Customer Service Awards, 2010 to 2016)

Why a Zopa loan?

  • Our rates are often lower than the banks
  • Checking your rates won't affect your credit score
  • We approve over £2 million every day to people with a good credit history
  • Simple online application – no paperwork through the post
  • No early repayment fees, no hidden charges

“Zopa is the pioneer of peer-to-peer lending, which uses the internet to cut out the banks entirely. It matches savers with individuals who want to borrow, leaving out the bank and offering better rates all round.”

The Guardian

Simple loans for...

Car finance loans Home improvement loans Debit consolidation loans Wedding loans

A Zopa loan could help you buy a new or used car, make home improvements, or pay off credit cards and get debt-free faster. And much more – simply tell us your loan purpose when you apply.

I want to get a loan for £

over a period of

Representative example

A loan of £7,500 over 5 years will cost you £157.43 per month at a representative 9.9% APR.

The total cost after 5 years is £9,445, which includes £1,765.85 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.

The rate and fee you are offered will depend on your individual circumstances

We're here to help

Please note: Our phone lines close at 3pm today.

Monday to Thursday (9am to 5:30pm), and Friday (9am to 5pm).

Email: contactus@zopa.com

Telephone: 020 7580 6060

We can't take applications over the phone. UK residents only. Calls may be monitored or recorded.