Zopa loans

Zopa offers low rate loans with no early repayment fees.

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 £150.74 per month at a representative 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)

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 £1.18 billion to over 150,000 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.