What happens when my account is put on hold?

Updated 1 month ago

If you’re not sure what option is best for you or need more time review your finances, we could place your account on a short hold.

During your hold, we won’t contact you asking for payment, giving you the space you may need to seek debt advice or use this budgeting tool to see what’s affordable for you.

Important things to note:

  • We’ll need to report any missed payments during your hold to credit reference agencies
  • The hold will be applied to all the Zopa credit products you have

Free impartial financial advice is on hand

There are not-for-profit organisations you can contact for financial advice. The two below are impartial, confidential and free.


0800 280 2816

Monday to Friday 8am-8pm or Saturday 9am-3pm.


0800 138 1111

Monday to Friday 8am-8pm or Saturday 8am-4pm.

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