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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.

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TermAPRMonthly cost

Representative example

A loan of £NaN over years will cost you £NaN per month at a representative undefined% APR.

The total cost after years is £NaN, which includes £NaN interest at undefined% fixed and a £NaN fee. The total amount of credit is £NaN.

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 over £4 billion in loans.

Our APRs range from 2.9% to 34.9%.

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Why a Zopa loan

  • A fast, friendly personalised rate that won't affect your credit score
  • Our loan rates are often among the lowest out there, and it only takes 3 minutes to find out yours
  • Apply online (no fiddly paperwork to send through the post)
  • We approve more than 300 loans each day to people with a good credit history
  • It's easy to pay extra towards your 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
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What our customers think

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Car Loan.

Ian
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Excellent service from David

Nick
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Zopa was recommended to me through…

Paul
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Rated excellent based on 12930 reviews

Read 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).

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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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The Times

People often ask us

TermAPRMonthly cost

Representative example

A loan of £NaN over years will cost you £NaN per month at a representative undefined% APR.

The total cost after years is £NaN, which includes £NaN interest at undefined% fixed and a £NaN fee. The total amount of credit is £NaN.

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

We're here to help

Monday to Thursday (8am to 8pm), Friday (8am to 5pm)

We can't take applications over the phone. UK residents only. Calls may be monitored or recorded.

020 7580 6060

contactus@zopa.com