Home improvement loans
Mood boards at the ready. Revamp your space with a home improvement loan. See the rate you could get in just 3 minutes.
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.
What makes a home improvement loan with us feel good?
Our home improvement loan rates are often among the lowest in the market
A fast, friendly personalised rate that won't affect your credit score
Apply online (no fiddly paperwork in the post)
We approve more than 300 loans each day to people with good credit history
It's easy to pay extra towards your car 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
Fantastic company to deal with
Zopa was just what I wanted
Based on 14972 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