Here’s the step-by-step process that Zopa goes through in the event of a borrower’s death:

  1. Once Zopa is informed by either the next of kin or a 3rd party that the customer is deceased, all collections activity is paused whilst we wait to receive the original death certificate or a solicitor-certified copy of the death certificate. (Please note we cannot accept electronic copies.)

  2. Once we’ve received the original death certificate or the solicitor-certified copy, the loan is cancelled and we inform the Credit Reference Agencies (Equifax, TransUnion and Experian) of the customer’s death.

  3. We will then discuss payment of the loan from the deceased customer’s estate with the executor, next of kin or 3rd party.

Our team is available to support you at any stage of this.

Call us

020 3770 5960

Our helpful agents are on hand to support you.

We're here Monday to Friday 8am-8pm

Free impartial financial advice is on hand

We’re not able to provide debt advice, but there are others who can. Organisations, such as PayPlan, give free, impartial and confidential advice and contacting them won’t impact your credit score.


0800 280 2816

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

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