Visit your personalised loan prices in only three minutes.

Our prices in many cases are on the list of cheapest available to you. Checking your prices will not influence your credit rating.

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Representative instance

That loan of Ј10,000 over five years can cost you Ј242.32 per month at a representative 17% APR.

The sum total price after five years is Ј14,539.29, which include Ј4,539.29 interest at 17% fixed and A ј0 cost. The total quantity of credit is Ј10,000.

The price you may be provided is determined by your circumstances that are individual.

Representative instance

That loan of Ј10,000 over five years can cost you Ј242.32 per at a representative 17% APR month.

The full total price after five years is Ј14,539.29, which include Ј4,539.29 interest at 17% fixed and a fee that is ј0. The total number of credit is Ј10,000.

The price you might be provided depends on your circumstances that are individual.

We Are Zopa

In 2005 we built the first ever peer-to-peer (P2P) home loan company to provide people use of easier, better-value loans and investments. Since that time we have aided thousands and thousands of clients make the anxiety away from cash because they build our business on sincerity, trust and transparency. In 2020, we began a brand new chapter in our journey, formally introducing Zopa Bank alongside our P2P company. The explanation for carrying this out ended up being easy: to give much more techniques to enable our customers to FeelGood about cash.

We have authorized over Ј5 billion in loans.

Why choose Zopa?

Start to see the price you ll actually get, with no effect to your credit rating

Apply in a couple of minutes online no types or documents

If for example the loan s authorized, you ll get the income within 2 hours

You can spend additional to your loan and now we don t charge a cost

Our customer care is award-winning, and that means you know you’ll receive an excellent solution as standard when you really need to obtain in touch

Just just What our customers think

Exceptional service that is fast Card

Exceptional loan provider Alexander Macaulay

High grade loan provider. Andy

A really good solution supplied Alan Williams

TrustPilot 5 star score an example of five movie movie stars

According to 14633 reviews

We battle for the liberties

We led the cost in looking for legislation when it comes to peer-to-peer loans industry to make fully sure your requirements are often payday loans Arizona put first. Today, it really is managed because of the Financial Conduct Authority (FCA).

Individuals frequently ask us

There are some conditions, and possesses to own been at the very least a few months as your Zopa loan that is last application.

Just Exactly Exactly How?

Whenever you check in, under ‘My account’ you can easily find the choice to ‘Borrow more’.

You really need to just borrow what you are actually able repay, and all sorts of Zopa loans are susceptible to our normal credit checks

Please understand that the total amount you can borrow is Ј25,000. What this means is when you have a superb stability of Ј5,000, you have actually up to Ј20,000 left to borrow.

Consolidating a current loan?

Great. Just tick the ‘debt consolidation’ package should you want to consolidate a current loan. Into the ‘about you’ area of the mortgage application you will end up because of the choice to consolidate your Zopa that is existing loan and shown the amount. Don’t neglect to tick the ‘final consolidation authorization’ field.

Please be conscious that a settlement amount is immediately extracted from your bank account once you sign up for a brand new loan with us. Which means that the residual stability of one’s loan, any costs in addition to interest due are deducted from your own brand new loan quantity.

Yes well, kind of.

Your month-to-month repayments will decrease in the event that you spend extra towards your loan.

But it is extremely hard to choose a unique quantity from scratch, because your Loan agreement is just a fixed agreement. This can help us responsibly prepare the income that goes in and away from Zopa.

Yes, it is possible to. To combine more than one existing Zopa loans.

First you will have to log to your zopa account

Under ‘My account’ you can easily find the choice to ‘Borrow more’.

The application will be subject to our normal credit checks and you can only borrow up to the maximum loan allowance out of Ј25,000 as with your original loan.

For instance: in the event that you borrowed Ј5,000, you have actually up to Ј20,000 left to borrow.

Please be conscious that a settlement quantity is immediately extracted from your account once you sign up for a new loan with us. This means the rest of the stability of one’s loan, any charges, in addition to interest due are deducted from your own loan that is new quantity.

For instance: if the staying Zopa loan stability had been Ј1,000 and also you sent applications for a brand new Ј3,000 Zopa loan. Let’s imagine your charges and interest add up to Ј20. The residual stability of the original loan ( Ј1,000), in addition to any charges and interest payable ( Ј20) will likely to be deduced just before are credited aided by the staying amount that is disbursal.

Using the above mentioned instance, this might suggest your loan disbursal quantity is Ј1,980.

Yes you are able to. The is automatically set to 30 days after your loan is approved, but you’re welcome to pick a more convenient one day.

To improve your payment time, please signal to your Zopa account, open the appropriate loan, and proceed with the steps on screen.

Items to bear in mind

• You will constantly want to select a romantic date that is at the very least 3 times in the foreseeable future.
• We try to provide the maximum amount of flexibility even as we can, many times will not be feasible due to how we procedure repayments. In the event that very first date you choose is not an alternative, please decide to decide to decide to try a short time before or after it.
• The next month-to-month payment will increase or decrease somewhat. We try this to modify for the alteration in interest payable brought on by the increased or reduced amount of times from your own initial payment time to your brand new payment time. (don’t be concerned, it is a one-off! Your repayments will come back to normal the next thirty days. )
• You’ll not have the ability to improve your payment time if: there is a payment pending or perhaps in progress, or perhaps you’ve missed more than one repayments or have actually defaulted on your own loan, or perhaps you recently made a repayment that is extra have not made a frequent month-to-month payment since.

Require a hand?

We are right here to assist. Give us a call on 020 7580 6060 (to Thursday 9am-5.30pm monday and 9am-5pm) friday.

Yes you can easily. As much as you love, without any penalty costs.

To spend extra on line or through the software: please signal to your Zopa account, start the appropriate loan, and stick to the steps on display. We will make the cash throughout your Direct Debit.

To pay for additional within the phone: give us a call on 020 7580 6060 (to Thursday 9am-5.30pm monday and Friday 9am-5pm) and now we’d be pleased to walk you through it. You are able to decide to pay by Debit Card or via your Direct Debit.