See your tailored loan rates in just 3 minutes

Free, no obligation.

  • Finding out rates won't affect your credit score
  • We lend over £2 million every day to credit-worthy individuals
  • Our rates are often lower than the banks, so it’s worth checking

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

Who is Zopa?

Zopa is the UK's largest peer-to-peer lending service. We offer low rate loans to people who are good with their money.

We've lent £1.65 billion to over 150,000 people since 2005.

APRs from 3.9% - 34.9%

MoneySuperMarket Supers Awards 2016: Best Personal Loans Provider

  • Money Supermarket's Best Personal Loans Provider 2016
  • 3 times winner of Moneyfacts' Personal Loan Provider of the Year (2014 to 2016)
  • 7 years in a row: Most Trusted Loan Provider in Moneywise Customer Service Awards

What the press says

“Zopa allows savers and borrowers to bypass banks and their high charges” — The Daily Mail

Why Zopa?

  • Low rates
  • No early repayment fees (flexibility to repay loan early or make extra payments)
  • Borrow between £1,000 and £25,000
  • Loans available over 1, 2, 3, 4 or 5 years
  • Voted Most Trusted Loan Provider (Moneywise Customer Service Awards 2010 to 2016)

Get a Zopa loan to

  • Buy a car
  • Pay off credit cards
  • Make home improvements
  • Help manage your debts

We offer loans for other purposes too. Simply select the reason that applies to you when you fill in our online application form.

More about Zopa loans

What the press says

“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

Now find out your tailored loan rates

  • Takes just 3 minutes and it's free
  • Finding out rates won't affect your credit score
  • Our rates are often lower than the banks, so it’s worth checking

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

Got a question?

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.