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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
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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.

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

What our customers think

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This was my third loan with Zopa
Estelle Crossland
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Excellent ..have had 2 loans from zopa
Customer Caroline
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No complaints
Mike
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Great deal!
Miss Sally Roberts
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Based on 14306 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

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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 £14,539.18, which includes £3,499.18 interest at 12% fixed and a £1,040 fee. The total amount of credit is £11,040.

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

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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."

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