Personal loan

See your personalised loan rates in just 3 minutes so you know exactly what you could get. Our rates are often among the lowest out there. Checking your rates won't affect your credit score.

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We're Zopa

At Zopa Bank, we’re combining our tech know-how with money expertise to make simple, fair and honest financial products that have the customer’s needs at their heart. We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future.

Why choose Zopa?

See the rate you’ll actually get, with no impact to your credit score

Apply in a few minutes online – no forms or paperwork

If your loan’s approved, you’ll get the money within 2 hours

It's easy to pay extra towards your loan

Our customer service is award-winning, so you know you'll get a great service as standard when you need to get in touch

What our customers think

Have used Zopa a few times nowHave used Zopa a few times now. Great rates and hassle free loans with quick response
Daniel Allegraabout 23 hours ago
ExcellentExcellent, hassle free service! Good rates, options to overpay too! Brilliant to take control on the go too.
Rachaelabout 12 hours ago
Great experience with ZopaVery easy to pay of extra money for my loan when available and Zopa recalculated very quickly. Also can see how much I have paid off since starting the loan. I would use Zopa again and very pleased with their service.
Shandchemabout 12 hours ago
Had two loans off Zopa both very quick…Had two loans off Zopa both very quick coming through. Customer services 10/10. Would highly recommend.
Steve Lindleyabout 15 hours ago
Excellent companyExcellent company, very efficient, so helpful, can’t fault them,
SUSAN HEMPSALLabout 18 hours ago
Excellent Customer ServiceSpeedy application process, very reasonable rates and excellent Customer Service. I would highly recommend.
Jane Louiseabout 20 hours ago
An entirely transparent experienceAn entirely transparent experience, extremely easy to tell where you stand at all times. Making extra payments/paying off the loan in full literally couldn't be any simpler. Will definitely look to Zopa for any further loans in the future.
Gary MacGregorabout 20 hours ago
Easy procedure to apply for loanEasy procedure to apply for loan, quarterly updates and a fair rate of interest. Would recommend to others.
Joanne Maliaabout 20 hours ago
Great service helpfulAlways use Zopa for the ease of use great service around best for credit solutions top rated
Brendon Bereznyckyjabout 21 hours ago
Great serviceGreat service
nicholasabout 22 hours ago
My credit rating was not brilliantMy credit rating was not brilliant, you believed in me when few others did and your interest rates were the most favourable - thank you. I have subsequently taken out another loan with you. Like the first loan, the service was excellent and the money was in my account within hours.
Stephen Greshamabout 22 hours ago
Excellent company to deal with..1st…Excellent company to deal with..1st class service as always
Markabout 22 hours ago
Have used Zopa a few times nowHave used Zopa a few times now. Great rates and hassle free loans with quick response
Daniel Allegraabout 23 hours ago
ExcellentExcellent, hassle free service! Good rates, options to overpay too! Brilliant to take control on the go too.
Rachaelabout 12 hours ago

Based on 17383 reviews

A bank you can rely on

As a UK bank, we’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

People often ask us

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 Friday 8am - 8pm and Saturday and Sunday 9am - 5:30pm).

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.

Using the above example, this would mean your loan disbursal amount is £1,980.

Yes you can. As many as you like, with no penalty fees.

To pay extra online or via the app: please sign into your Zopa account, open up the relevant loan, and follow the steps on screen. We'll take the money through your Direct Debit.

To pay extra over the phone: call us on 020 7580 6060 (Monday to Friday 8am - 8pm and Saturday and Sunday 9am - 5:30pm) and we'd be happy to walk you through it. You can choose to pay by Debit Card or via your Direct Debit.