Zopa loans

Zopa offers low rate loans with no early repayment fees.

I want to get a loan for £

Term APR Monthly cost
6.9% £863.72
5.2% £439.24
4.8% £298.56
4.8% £229.13
4.8% £187.54

Representative example

A loan of £7,500 over 5 years will cost you £150.74 per month at 7.9% APR.

The total cost after 5 years is £9,044, which includes £1,404 interest at 7.1% fixed and a £140 fee. The total amount of credit is £7,640.

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

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 2014)

Sensible loans in a world of nonsense

Sometimes getting a loan can seem more complicated than it needs to be. Getting a loan with Zopa is simple.

Show transcript


Professor: Now listen here.

Subtitle: Hello.

Professor: If you are dipped in super sensibility and a deeply smart cookie, sometimes you want to get extra money-coinage for something like a motor caravanny brrrm brrrm.

Subtitle: Looking for a loan?

Professor: So don't be fretting ones bloomers all in a twist. Here's a Zopa idea.

Professor: If you have an impressively tidy credit rating then you could be borrowing the fiduciary funds from the truly remarkabold Zopa. At Zopa.com.

Subtitle: Get a smarter loan at Zopa.com

Professor: Zopa lends pound amounts from one grand thousand to twenty five thousands. Spiffinglorious.

Subtitle: Borrow from £1000-£25000

Professor: All at a Zopapetitive rate.

Subtitle: Jolly competitive rates

Professor: Get your eyebolds trained on this absolute banger.

Professor: And it gets even betterly splendid. It's all supersonically rapidy speedy to arrange. Two oh so simple steps for a quote and a joyfully instantly decision.

Subtitle: They're quick too

Professor: And no despicable costings hidden all meanly. Oh no. You savvy?

Subtitle: Apply at Zopa.com

Professor: Zopa duper.

Professor: So get on your computing or tablet pad web device and be gone to Zopa.com and be applying right this momento.

Female Voiceover: In a world of nonsense, a Zopa loan makes perfect sense. Apply now at Zopa.com

Professor: How terribly Zopa duper.

Representative example: £7,500 over 5 years at 7.9% APR. Monthly repayment: £150.74. Total cost: £9,044. Includes £1,404 interest at 7.1% fixed and £140 fee. Total amount of credit: £7,640. Subject to financial circumstances. 20+. T&Cs apply.

You can get a Zopa loan to

  • Buy a car
  • Pay off credit cards
  • Make home improvements
  • Help manage your debts
  • Grow your business (sole traders only)

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

How to apply

  1. Check the rates
  2. Get a quote
  3. Accept the quote and apply online
  4. Decisions within 48 hours (Mon to Fri)
  5. Money transferred on approval

We credit check applications to ensure that you can afford the loan and to ensure you meet our eligibility criteria.

Zopa's eligibility criteria


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

97% love it!
More customer reviews

About 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 £1.10 billion to over 110,000 people since 2005.

Moneywise Customer Service Awards - 2010-2014 - Most Trusted Loan Provider: Zopa

Our customers have voted us 'most trusted loan provider' 6 years in a row.

What the press says

“Zopa allows savers and borrowers to bypass banks and their high charges. It works by matching borrowers looking for lower-rate loans with savers looking for higher returns.”

November 2013

Got a question?

Email: contactus@zopa.com

Telephone: 020 7580 6060

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