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.

Young woman looking pleased about improving her home, with a paint pot in the background
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 £14,539.29, which includes £4,539.29 interest at 17% fixed and a £0 fee. The total amount of credit is £10,000.

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

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.

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."

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

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Quick and easy to apply
Dannielle Garbutt
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1 yr fixed rate savings account
Tracey Davies
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Really easy to manage my loan
Alex Blackmore
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cheap loan ,easy to access via my…
Nick Blakey
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Based on 14748 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).

We’re happy when you’re happy

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Trusted Loans Provider

Moneywise Customer Service Awards

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

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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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People often ask us

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 £14,539.29, which includes £4,539.29 interest at 17% fixed and a £0 fee. The total amount of credit is £10,000.

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