The rates you see are guaranteed. We may still perform additional checks for which we would need you to provide additional documents to verify your identity, bank account or income. If you fail those checks then your loan application may be declined.

Yes, you can unsubscribe at any time. In the Borrowing Power section of your Zopa app, go to “Manage” and “Unsubscribe from Borrowing Power”. You can also change your contact preferences if you don’t want to receive emails but want to keep using Borrowing Power.

Click here to see how we handle complaints and how to make one.

We’ve partnered with a major credit reference agency, Equifax, to calculate your Borrowing Power. We look at your credit usage, credit score, credit limits, number of hard searches and your disposable income. Then we use that data to determine your 1-10 Borrowing Power rating.

Using smart tech that we’ve built at Zopa, we can identify what actions could improve your Borrowing Power. We only show you actions that could boost it significantly and they’re 100% tailored to you. It’s worth pointing out that we can’t guarantee those actions will improve your Borrowing Power and we can’t control what actions you take elsewhere.