I already have a Zopa loan

16 articles in this collection

Updated 2 weeks ago

What happens in the event of a borrower's death?

Here’s the step-by-step process that Zopa goes through in the event of a borrower’s death: Once Zopa is informed by either the next of kin or a 3rd...

Updated 2 weeks ago

I missed a repayment. What should I do?

Life happens. Sometimes we forget things, or our finances don’t run as planned. If you miss a payment by mistake, you can pay online anytime by...

Updated 2 weeks ago

Can I change my repayment day?

Yes you can. The day is automatically set to 30 days after your loan is approved, but you're welcome to pick a more convenient one. To change your...

Updated a month ago

Can I borrow more?

If you’re looking to borrow a bit more, it’s quick and easy to apply. It’s important to note that the only way to borrow more with us right now is...

Updated a month ago

I'm struggling with my repayments. What should I do?

If you’ve missed a loan repayment or are about to, the best thing you can do is to contact us. There are things we can do to try and get you back on...

Updated a month ago

Can I change my repayment amount?

The only way to change your monthly repayments is to pay extra towards your loan. Log into your Zopa account, click your loan, then ‘Make an extra...

Updated a month ago

What are my loan repayment options if I've been affected by the Coronavirus?

If you’re concerned about the impact of Coronavirus on your Zopa loan, the important first step is to get in touch with us if you think you won’t be...

Updated a month ago

Can I make extra repayments towards my loan?

Yes. If you want to pay more towards your loan, you can, at any time. And without fees. The easiest way to pay more is by using the Zopa app. Click...

Updated a month ago

I can't see the extra repayment feature in my account - why?

It's probably because we're processing one of your monthly Direct Debits. The transaction can take a few days to clear. Please wait a few days then...

Updated a month ago

Why has my repayment amount changed?

This could be down to two things. Please have a read below and see which one sounds like you. Recently changed your repayment day? Your next monthly...

Updated a month ago

Can I pay off my Zopa loan early?

If you want to pay off your loan early, you can do it yourself in the Zopa app. Just click your loan card, then ‘Pay off in full’ and follow the...

Updated a month ago

What are the Loan Conditions?

The Zopa Loan Conditions form the legal basis of all our Loan Contracts. They set out our obligations to each customer, and each customer's...

Updated a month ago

How do I find out my unique reference number?

You can find your unique reference number, also known as your ‘Z reference’, by signing into the app and clicking on your loan. Z-reference in the...

Updated a month ago

Can I change my bank details?

We know that things can change, and there will be times when you need to update your bank details. To do this, send us a message in the Zopa app or...

Updated a month ago

Do I pay the same amount of interest each month over the course of my loan?

No, the chunk of your loan repayments that goes towards interest changes over time. This is called "amortisation". With amortisation, part of each...

Updated a month ago

Why are you re-starting credit reference reporting during the Coronavirus pandemic?

Important: This situation is fast-changing and we’re regularly reviewing our approach. The information below is based on the current guidance from...

Still can't find what you need?

Our team of helpful humans are on hand. They live by the Treating Customers Fairly guidelines.

Contact us