Loans to straighten up your finances
Could you manage your loans and credit cards better with a debt consolidation loan?
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.
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
"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."
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
Brilliant company to deal with
Had a few loans with Zopa always great…
Have had a great experience with this…
Based on 15165 reviewsRead 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).
We’re happy when you’re happy
Trusted Loans Provider
Moneywise Customer Service Awards
Best Personal Loan Provider
British Bank Awards
Best Customer Service
Moneyfacts Consumer Awards
Best Personal Loans Provider
MoneySuperMarket Supers 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."
People often ask us