Zopa loans

Zopa offers low rate loans with no early repayment fees.

I want to get a loan for £

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

A loan of £10,000.00 over 5 years will cost you £187.54 per month. The APR is 4.8%.

The total cost after 5 years is £11,252.68, which includes £1,162.68 interest at 4.5% fixed and a £90.00 fee. The total amount of credit is £10,090.00. This is a representative example.

The rate 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 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 24 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

Testimonials

“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 £608 million to over 80,000 people since 2005.

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

Our customers have voted us 'most trusted loan provider' 5 years in a row.

Got a question

Call us: 020 7580 6060
Email: contactus@zopa.com

Please note: Calls may be monitored or recorded.
We can't take applications over the phone.