Peer-to-peer loans

We directly match people looking for a personal loan with people looking to invest.

See your personalised rates in 3 minutes.

I want to get a loan for £

Term APR Monthly cost
2.9% £846.48
2.9% £429.37
2.9% £290.37
2.9% £220.90
2.9% £179.24

Representative example

A loan of £7,500 over 5 years will cost you £157.40 per month at a representative 9.9% APR.

The total cost after 5 years is £9,443, which includes £1,763.93 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 £2.87 billion in loans.

Our APRs range from 2.9% to 34.9%.

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

The Daily Mail

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.

“I decided to borrow with Zopa because of the interest rate compared to other companies, and the quick and courteous customer service.”

— Carol (Inverness)

Simple loans for...

Car finance loans Home improvement loans Debt 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 £157.40 per month at a representative 9.9% APR.

The total cost after 5 years is £9,443, which includes £1,763.93 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

And we've just extended our opening hours: Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).

Holiday opening hours:

December 25th to 26th: Closed
December 27th to 29th: 9am to 5:30pm
January 1st: Closed

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.