Debt consolidation loans to help you take control

Are you paying too much for an existing loan or credit cards?

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

Refinance your debts

A debt consolidation loan could help you get debt-free faster, save hundreds of pounds on interest, and take control with one simple monthly repayment.

Find out if we can help: just choose your loan and check your rates in 3 minutes. This won't affect your credit score.

Or see how much you could save with our debt consolidation calculator.

Why choose Zopa?

  • 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

See what you could save with our debt consolidation calculator

Enter the details for any credit cards, overdrafts or loans you want to consolidate. This is what you'd use your Zopa loan to pay off. If you're planning to consolidate a few things, start with the highest APRs first.

I want to pay off

of £  at  % (£  monthly)

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

“I tried a few high street providers but couldn't get a loan at an acceptable rate, so did a search online and found Zopa. To get a loan from you Zopa could not have been simpler. The application was quick and simple and the service was great.”

— Louise (Bristol)

Who can get a Zopa loan?

We look at a few things when you apply.

  • You'll need to confirm your identity
  • Be at least 20 years old
  • Be a UK resident with 3 years of address history
  • Be employed, self-employed or retired with a pension
  • Have an income of at least £12,000 per year (before tax)
  • Have a credit history that we can see, and a good track record of repaying debt
  • Be able to afford the loan

Please note, we can't offer joint applications or guarantor loans.

How do I apply?

1

Choose

We offer loans from £1,000 - £25,000 over 1 to 5 years.

2

Review

See your personalised loan rates in 3 minutes.

Just fill in our simple form to tell us a few details about you and your circumstances. Don't worry, this won't affect your credit score.

3

Apply

Get a decision within 2 working days. If approved, the money will be with you 3 working days later.

In a hurry? You can always choose our Fast Track option for £57.50.

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.