Personal loan

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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TermAPRMonthly cost

Representative example

A loan of £10,000 over 5 years will cost you £242.32 per month at a representative 17% APR.

The total cost after 5 years is £14,539.29, which includes £4,539.29 interest at 17% fixed and a £0 fee. The total amount of credit is £10,000.

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

Young man wearing glasses, feeling good and grinning enthusiastically

We're Zopa

In 2005 we built the first ever peer-to-peer (P2P) 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. In 2020, we started a new chapter in our journey, officially launching Zopa Bank alongside our P2P business. The reason for doing this was simple: to provide even more ways to empower our customers to FeelGood about money.

We've approved over £5 billion in loans.

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 – and we don’t charge a fee

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

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Quick and easy to apply
Dannielle Garbutt
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1 yr fixed rate savings account
Tracey Davies
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Really easy to manage my loan
Alex Blackmore
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cheap loan ,easy to access via my…
Nick Blakey
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Based on 14748 reviews

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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).

People often ask us

TermAPRMonthly cost

Representative example

A loan of £10,000 over 5 years will cost you £242.32 per month at a representative 17% APR.

The total cost after 5 years is £14,539.29, which includes £4,539.29 interest at 17% fixed and a £0 fee. The total amount of credit is £10,000.

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

"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."

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