Smiling woman with hands up, wearing an oversized denim shirt

Introducing Borrowing Power

A tool to help you improve your Zopa eligibility and credit score

Mobile phone screenshot showing the Borrowing Power Overview screen

Download our App to get started

It’s free and won’t affect your credit score

Understand your Zopa rates

Know exactly what you could borrow from us -- and why, with no impact on your credit score.

Improve your credit score

Feel in control of your financial health with personalised actions on how to improve it each month.

Get personalised offers

Apply for the Zopa loans you're already approved for. Loans 15.4% representative APR.

Equifax Logo

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 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