How borrowing works
Borrowing from Zopa lenders is a fair and human way of getting a low-cost loan - and applying is a straightforward, paperless process.
Check today's rates
Use the loan calculator to see what rates are available today. If you like the look of them then apply right away.
Apply for your loan
You tell us your details and we get your credit score. There are 4 different markets (A*, A, B and C) and we look at your creditworthiness to work out whether Zopa's for you, and if so, which market suits you best.
The loan is reserved for you
We reserve your loan and do a few last checks before giving you a final decision. If it's a thumbs-up, the money could be in your bank account within a few days.
Next... Check out our great rates