See your personalised loan rates in just 3 minutes

Our rates are often among the lowest out there. Checking your rates won't affect your credit score.

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I want to get a loan for:

TermAPRMonthly cost

Representative example

A loan of £10,000 over 5 years will cost you £210.05 per month at a representative 9.9% APR.

The total cost after 5 years is £12,602.87, which includes £2,362.87 interest at 8.8% fixed and a £240 fee. The total amount of credit is £10,240.

The rate and fee you are offered will depend on your individual circumstances.

We’re Zopa

In 2005, we built the first ever peer-to-peer lending company to give people access to simpler, better-value loans and investments. Since then we've helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust.

We've approved over £5 billion in loans.

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Why a Zopa loan

A fast, friendly personalised rate that won't affect your credit score
Our loan rates are often among the lowest out there, and it only takes 3 minutes to find out yours
Apply online (no fiddly paperwork to send through the post)
We approve more than 300 loans each day to people with a good credit history
It's easy to pay extra towards your loan, and we don't charge early repayment fees
Our customer service is award-winning, so you know you'll get a great service as standard when you need to get in touch

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What our customers think

great to deal with fast and efficient…
Derek

Very helpful
Rachel Fordham

For me Zopla was exemplary in listening…
Customer John Tyrrell

Rated excellent based on 14041 reviews

We fight for your rights

We led the charge in seeking regulation for the peer-to-peer loans industry to make sure your needs are always put first. Today, it's regulated by the Financial Conduct Authority (FCA).

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"Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as little as 12 seconds. In a market where lending approval can take days, that’s an important advantage."

People often ask us

Yes, sometimes. When you apply for a loan, we do an affordability check which looks at several different types of income. We may accept Airbnb earnings - it depends on your circumstances.

When do you consider Airbnb earnings?

We consider Airbnb earnings as long as we can identify at least 3 payments.

Your Airbnb earnings need to be substantial (e.g. consistently more than several hundred pounds a month).

For marginal applications, we may consider lower levels of regular Airbnb earnings alongside other types of income to help us make a decision.

Specifying the amount

To include your Airbnb earnings in your application, simply enter the yearly figure in the 'additional income' field in the application form.

Providing evidence

You'll need to provide evidence of these payments. This means uploading one or more bank statements or PayPal statements showing at least 3 Airbnb payments.

New-ish to Airbnb?

If you've been hosting on Airbnb for less than a year, enter the amount you've earned so far. (Please don't estimate a full year's income.)

What about other types of rental earnings?

We can't accept direct rental earnings as a type of income at the moment. That's because these transactions are paid direct by bank transfer and are difficult to verify, whereas all Airbnb transactions have a payment reference that marks them out as Airbnb - so they're easy to spot on a bank statement.

Yes you can.

There are a few conditions, and it has to have been at least 6 months since your last Zopa loan application.

How?

When you sign in, under 'My account' you can select the option to 'Borrow more'.

You should only borrow what you are able repay, and all Zopa loans are subject to our normal credit checks

Please remember that the total amount you can borrow is £25,000. This means if you have an outstanding balance of £5,000, you have up to £20,000 left to borrow.

Consolidating an existing loan?

Great. Simply tick the 'debt consolidation' box if you want to consolidate an existing loan. In the 'about you' section of the loan application you'll be given the option to consolidate your existing Zopa loan, and shown the amount. Don't forget to tick the 'final consolidation permission' box.

Please be aware that a settlement amount is automatically taken from your account when you take out a new loan with us. This means that the remaining balance of your loan, any fees as well as interest due are deducted from your new loan amount.

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 repayment day, please sign into your Zopa account, open up the relevant loan, and follow the steps on screen.

Things to keep in mind

You'll always need to pick a date that's at least 3 days in the future.
We aim to offer as much flexibility as we can, but some dates won't be possible because of how we process payments. If the first date you choose isn't an option, please try a couple of days before or after it.
Your next monthly repayment will increase or decrease slightly. We do this to adjust for the change in interest payable caused by the increased or decreased number of days from your original repayment day to your new repayment day. (Don't worry, it's a one-off! Your repayments will return to normal the following month.)
You won't be able to change your repayment day if: there's a repayment pending or in progress, or you've missed one or more repayments or have defaulted on your loan, or you recently made an extra repayment and haven't made a regular monthly repayment since.

Need a hand?

We're here to help. Call us on 020 7580 6060 (Monday to Thursday 9am-5.30pm and Friday 9am-5pm).

Yes, you can. To consolidate one or more existing Zopa loans.

First you'll need to log into your zopa.com account

Under 'My account' you can select the option to 'Borrow more'.

As with your original loan, the application will be subject to our normal credit checks and you can only borrow up to the maximum loan allowance out of £25,000.

For example: If you borrowed £5,000, you have up to £20,000 left to borrow.

Please be aware that a settlement amount is automatically taken from your account when you take out a new loan with us. This means that the remaining balance of your loan, any fees, as well as interest due are deducted from your new loan amount.

For example: If your remaining Zopa loan balance was £1,000 and you applied for a new £3,000 Zopa loan. Let's say your fees and interest amount to £20. The remaining balance of your original loan (£1,000), as well as any fees and interest payable (£20) will be deduced before you are credited with the remaining disbursal amount.