See your personalised loan rates in just 3 minutes. Our rates are often among the lowest out there. Checking your rates won't affect your credit score.
In 2005 we built the first ever peer-to-peer (P2P) 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. In 2020, we started a new chapter in our journey, officially launching Zopa Bank alongside our P2P business. The reason for doing this was simple: to provide even more ways to empower our customers to FeelGood about money.
We've approved over £5 billion in loans.
Why choose Zopa?
See the rate you’ll actually get, with no impact to your credit score
Apply in a few minutes online – no forms or paperwork
If your loan’s approved, you’ll get the money within 2 hours
It's easy to pay extra towards your loan – and we don’t charge a fee
Our customer service is award-winning, so you know you'll get a great service as standard when you need to get in touch
What our customers think
Based on 14431 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).
People often ask us
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 and fee you are offered will depend on your individual circumstances.