Award-winning personal loans built just for you
Need a loan? Get a personalised quote and check if you’re eligible for a Zopa loan in only 3 minutes, with no impact on your credit score.
Why choose Zopa for a personal loan?
With over 20 years of lending experience and more than £13 billion lent, we're proud to offer simple, fair and honest personal loans.
Use our calculator to see what you could borrow
See your personalised loan rates in just 3 minutes so you know exactly what you could get.
How does a personal loan work?
A Zopa personal loan gives you a lump sum of money upfront that you repay in fixed monthly instalments over an agreed term with interest. Your interest rate depends on factors like your credit score and income. Missed or late payments may affect your credit score and ability to borrow in the future.
Check eligibility
How much can I borrow?
With a Zopa loan, you can borrow between £1,000 - £50,000. Use our loan calculator to check your personalised rate and monthly repayments - it won’t affect your credit score. Because your rate is tailored to you, we’ll help make sure that you only borrow what you can comfortably afford.
See what you could borrow
How long do I have to pay back my loan?
You can choose how long you take to pay back your Zopa loan, from between 1 - 7 years. A longer term means lower monthly repayments, but you’ll end up paying more interest overall.
What can I use a personal loan for?
People take out a loan for all kinds of reasons – here are some of the most popular.
Buying a car
Secure your new motor with a car loan, or check out our car finance offers.
Home improvements
Mood boards at the ready. Revamp your space with a home improvement loan.
Wedding
Get your finances over the threshold, with a wedding loan from Zopa.
Debt consolidation
Manage all your repayments with a debt consolidation loan.
Who can apply for a Zopa loan?
To apply for a Zopa personal loan, you must:
Be at least 20 years old
Be a UK resident with at least 1 year of address history
Earn £12,000 before tax and are employed, self employed, or retired with a pension
Have a credit history and a good track record of repaying debt
How to apply for a personal loan at Zopa
Decide how much to borrow and for how long
Use our loan calculator to see your personalised rate
Apply online and, if approved, we'll send your money in less than 2 minutes
Managing your loan
It's all done in the Zopa app.
See your loan balance instantly
Make extra repayments
Get a settlement amount and pay off your loan in full
Change your monthly repayment date
Download the Zopa app
Choose Zopa for award-winning loans
We were chuffed to win Best Personal Loans Provider at the British Bank Awards in 2024 and be a finalist again in 2025. These awards are voted for by the people that matter most, our customers. We’re hugely proud of winning this award, so thank you to everyone that voted for us.
Get an award-winning loan