Debt consolidation loans to straighten up your finances

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

I want to get a loan for £

Term APR Monthly cost
2.8% £846.04
2.8% £428.94
2.8% £289.94
2.8% £220.47
2.8% £178.81

Representative example

A loan of £7,500 over 5 years will cost you £157.40 per month at a representative 9.9% APR.

The total cost after 5 years is £9,443, which includes £1,763.93 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.

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

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:

It takes just 3 minutes and won't affect your credit score.

“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

Who can get a Zopa loan?

We look at a few things when you apply.

Please note, we can't offer joint applications or guarantor loans.

Our awards

“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)

How do I apply?

1

Choose

We offer loans from £1,000 - £25,000 over 1 to 5 years.

2

Review

See your personalised loan rates in 3 minutes.

Just fill in our simple form to tell us a few details about you and your circumstances. Don't worry, this won't affect your credit score.

3

Apply

Get a decision within 2 working days. If approved, the money will be with you 3 working days later.

In a hurry? You can always choose our Fast Track option for £10.

I want to get a loan for £

over a period of

Representative example

A loan of £7,500 over 5 years will cost you £157.40 per month at a representative 9.9% APR.

The total cost after 5 years is £9,443, which includes £1,763.93 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.

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

We're here to help

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

Email: contactus@zopa.com

Telephone: 020 7580 6060

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