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

Your Borrowing Power is a 1-10 rating exclusive to Zopa. It shows you exactly how creditworthy you look to us and what rate you could get from us. It’s made up of your credit score and more, and it helps you to understand whether you’ll be accepted by us, and what loan rate you could get.On the other hand, your credit score is a more general number and gives you a rough idea of how creditworthy you look to lenders. It’s calculated by credit reference agencies and it’s often different, depending on which agency you check it with.Only Borrowing Power can tell you exactly what Zopa loans you’re eligible for.

Get my Borrowing Power

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

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