See your personalised loan rates in just 3 minutes

Our rates are often lower than most banks. Checking your rates won't affect your credit score.

I want to get a loan for £

Term APR Monthly cost
2.8% £846.04
2.8% £428.94
2.8% £289.94
2.8% £220.47
2.8% £178.81

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 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 £3.81 billion in loans.

Our APRs range from 2.8% to 34.9%.

“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.”

— The Times
MoneySuperMarket Supers Awards 2016: Best Personal Loans Provider
  • Best Personal Loans Provider (MoneySuperMarket, 2016)
  • Best Personal Loan Provider &
    Alternative Finance Provider (British Bank Awards, 2018)
  • Best Customer Service (Consumer Moneyfacts Awards, 2018)
  • 8 times Trusted Loan Provider (Moneywise Customer Service Awards, 2010 to 2017)

Why a Zopa loan?

“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

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

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.