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Introducing Borrowing Power

Your simple 1-10 rating that shows exactly what you could borrow, and at what rate, from Zopa. 9.9% Representative APR.

Download our app to discover your Borrowing Power.

Checking your borrowing power won’t affect your credit score

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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.

To calculate your rating, we’ve partnered with

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Power up with tailored tips

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

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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 9.9% APR.

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A few things explained

Get my Borrowing Power

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

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We're proud to do things differently

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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.

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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.

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We listen to what you want

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