skip to main content

Debt consolidation loans to straighten up your finances

Could you manage your loans and credit cards better with a debt consolidation loan?

Young woman, smiling, and feeling content
TermAPRMonthly cost

Representative example

A loan of £NaN over years will cost you £NaN per month at a representative undefined% APR.

The total cost after years is £NaN, which includes £NaN interest at undefined% fixed and a £NaN fee. The total amount of credit is £NaN.

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

Refinance your debts

Got lots of debts you want to tidy up? Or maybe you think the deal you've got could be better. Check out the personalised rate we could offer you for a debt consolidation loan to see if you can:

  • lower the interest you're paying now
  • take control of your debts with one single repayment
  • get a more manageable monthly amount to pay

It takes just three minutes and won't affect your credit score.

A consolidated box of different sized balls

What makes a Zopa loan feel good?

  • 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
Young boy sitting on a wall and celebrating, both arms reaching high

I tried a few high street providers but couldn't get a loan at an acceptable rate, so did a search online and found Zopa. To get a loan from you Zopa could not have been simpler. The application was quick and simple and the service was great.

Louise, Bristol

A fair deal as standard

With us, there are no catches or offers for new customers only. Our loans are built so that they're easy to understand and so we only win when you win.

Our story

What our customers think

TrustPilot Five star ratingAn illustration of five stars

Best on the market

Lisa W
TrustPilot Five star ratingAn illustration of five stars

Excellent service

Kerry
TrustPilot Five star ratingAn illustration of five stars

I'm GLAD I CHOOSE ZOPA AS THERE WERE…

Andrew
An illustration of the Trust Pilot Logo

Rated excellent based on 12618 reviews

Read more 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).

Woman with a determined look on her face, with one fist pointing towards the sky

We’re happy when you’re happy

Moneywise customer service awards winner logo

Trusted Loans Provider

Moneywise Customer Service Awards

British Bank Awards logo

Best Personal Loan Provider

British Bank Awards

Moneyfacts Consumer Awards winner logo

Best Customer Service

Moneyfacts Consumer Awards

MoneySuperMarket best personal loans provider award logo

Best Personal Loans Provider

MoneySuperMarket Supers Awards

See more awards

"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."

The Times Logo

People often ask us

TermAPRMonthly cost

Representative example

A loan of £NaN over years will cost you £NaN per month at a representative undefined% APR.

The total cost after years is £NaN, which includes £NaN interest at undefined% fixed and a £NaN fee. The total amount of credit is £NaN.

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

We're here to help

Monday to Thursday (8am to 8pm), Friday (8am to 5pm)

We can't take applications over the phone. UK residents only. Calls may be monitored or recorded.

020 7580 6060

contactus@zopa.com