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Introducing Borrowing Power

Our simple 1-10 rating that shows exactly what you could borrow, and at what rate, from Zopa. Representative 15.4% APR.

Mobile phone screenshot showing the Borrowing Power Overview screen

Download our App to discover your Borrowing Power

Checking your borrowing power won’t affect your credit score

See what powers your rating

Learn exactly what makes up your Borrowing Power rating, including your credit score and history – and see how you’re doing on each.

Power up with tailored tips

Feel confident you're making the right moves with your personalised list of specific actions and things to avoid.

Unlock your best rates

See the Zopa loans you're already approved for, as well as the loan rates that you could unlock with an improved rating. Representative 15.4% APR.

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To calculate your rating, we’ve partnered with Equifax.

We're proud to do things differently

A fair deal as standard

There are no catches, like charges for settling your loan early. Our products are built so that we win when you win.

Managing your money is no sweat

With handy tools to help you get stuff done and helpful people to talk to when you need to.

We listen to what you want

We’re are built for the future so we can evolve as quickly as possible, using the latest tech to give you the best possible experience.

A few things explained

Get my Borrowing Power

Don’t worry, checking won’t affect your credit score