Unsecured personal loans to make plans happen

Want to spread the cost of a big expense, or take control of your finances? We make it simple.

I want to get a loan for £

Term APR Monthly cost
3.3% £848.25
3.3% £431.09
3.3% £292.09
3.3% £222.62
3.3% £180.97

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

Why a Zopa loan?

Just how loans should work

"Just agreed a loan with Zopa. Lowest rate in the market, simple and straightforward online application with easy upload of supporting documents, and a quick agreement. No penalties for early settlement. Why can't banks operate like this? Faultless."

Jem, 12 February

TrustPilot

5 stars

Based on over 2,629 reviews

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.

“Zopa is the pioneer of peer-to-peer lending, which uses the internet to cut out the banks entirely. It matches savers with individuals who want to borrow, leaving out the bank and offering better rates all round.”

The Guardian

Our awards

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.

“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)

Simple loans for...

Car finance loans Home improvement loans Debt consolidation loans Wedding loans

A Zopa loan could help you buy a new or used car, make home improvements, pay off credit cards, get debt-free faster and much more – simply tell us your loan purpose when you apply.

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.