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Find answers to our most frequently asked questions.

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Repaying your personal loan

  • Why has my repayment amount changed?
  • I'm struggling with my repayments. What should I do?
  • Will my Direct Debit still be taken if I make an extra payment or settle my personal loan?
  • Can I borrow more or consolidate an existing loan?
  • What's an early settlement quote and how can I get one?
  • What's an early repayment charge?
  • Can I change my repayment amount?
  • Does Zopa offer payment holidays?
  • How are my loan repayments calculated?
  • Why was an extra repayment taken after my settlement?
  • Can I have more than one Zopa loan?
  • What's the Direct Debit Guarantee?
  • How do I set up a standing order to Zopa?
  • Can I make extra repayments towards my loan?
  • I can't see the extra repayment feature in my account - why?
  • What happens in the event of a borrower's death?
  • How do I find out my unique reference number?
  • Can I change my repayment day?
  • Can I change my bank details?
  • Can I pay off my Zopa loan early?

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Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: Zopa Bank, Level 12, 20 Water Street, Canary Wharf, London E14 5GX.

© Zopa Bank Limited 2025 All rights reserved. 'Zopa' is a trademark of Zopa Bank Limited.

Zopa is a member of Cifas - the UK's leading anti-fraud association, and we are registered with the Office of the Information Commissioner (ZA275984).


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