Loans
Find answers to our most frequently asked questions.
- Why was my loan application declined?
- Why is there a Zopa soft search on my credit file when I haven’t applied for a loan or credit card with you?
- What is an associate search?
- What happens in the event of a borrower's death?
- I missed a repayment. What should I do?
- I’m on disability benefits: can I apply for a Zopa loan?
- Can I change my bank details?
- Can I change my repayment day?
- Can I pay off my Zopa loan early?
- Can I make extra repayments towards my loan?
- I can't see the extra repayment feature in my account - why?
- When will I receive the money?
- When will I hear if I’ve been approved?
- Can I change my repayment amount?
- How do I cancel my loan application?
- I'm struggling with my repayments. What should I do?
- Why are you re-starting credit reference reporting during the Coronavirus pandemic?
- What are my loan repayment options if I've been affected by the Coronavirus?
- Can I borrow more?
- Why has my repayment amount changed?
- What happens when I check my rates?
- Why is there an origination fee?
- I'm self-employed, what documents should I upload?
- When is a loan in default?
- How do I apply for a Zopa loan?
- Why should I choose a Zopa loan?
- Why is my personalised rate different to the advertised rate?
- What can I use a Zopa loan for?
- What's a soft credit search?
- How much can I borrow and for how long?
- How quickly could I get the money?
- What kind of bank account do I need to use when I apply?
- What happens if my loan is declined?
- Airbnb earnings: do you accept them as a type of income?
- Rental earnings: do you accept them as a type of income?
- How can I find out my credit score?
- Do I have to send anything by post?
- What's a credit reference agency or credit bureau?
- Who can get a Zopa loan?
- How do I set up a standing order to Zopa?
- What are the Loan Conditions?
- How do I find out my unique reference number?
- Do I pay the same amount of interest each month over the course of my loan?
