Get a cheap homeowner loan
today from Zopa!

  • • Take advantage of fixed low rates
  • • Repay early at no extra cost
  • • Get a quote now:
See the rates

I found Zopa to be the most competitive on the market

"I am 43 years old, married with teenage children and am the type of person who does not believe in buying anything without counting the cost first. I am financially responsible and stable, I have my own home with a small mortgage and I'm applying for this money to buy a car that I've wanted for a long time - a Lexus. I love prestige cars. I admit I don't NEED the car, but I have my heart set on owning one. I have fully researched the available rates and found Zopa to be the most competitive on the market. I will be putting up a large sum of the money to buy the car from my personal savings and earnings from my eBay sales"

I am really pleased with my rate

"It is always a bit cheaper to buy a house that needs a little bit of work done to it - until it comes to doing the work that is! The time has come that I can no longer live with the 1970s avocado bath and grotty kitchen. So, I have come here for a loan to finally get the work completed on our house. Our heating system is also ancient, so the new boiler is a MUST! I am really pleased with my rate and would like to say a big thank you to my lenders!"

Zopa in the news

  • BBC News:
    "It cuts out the banks and middlemen."
  • Channel 4:
    "A new way to save and borrow."
  • What Investment:
    *****
    Product of the Month

Right now you can pay just
7.6% APR as a typical fixed
rate based on borrowing
£5,000 over 3 years as an
A* credit rated borrower.

  • The interest rate you pay on your cheap loan is set by our lenders, not by us and is based on your creditworthiness.
  • You borrow from and pay interest to real people and not a faceless corporation with many other interests.
    Meet some Zopa lenders
  • Borrowing at Zopa is a fairer and more human way of getting a low-cost cheap loan.
    How it works

How much can I borrow?

Zopa is a marketplace where people can lend anything from £10 to upwards of £25,000 - and our lenders come from all walks of life.

You could end up borrowing from pensioners, students, young professionals, entrepreneurs or even fellow Zopa borrowers - because some of our lenders are borrowers, and some of our borrowers are lenders.

Can I repay my loan early?

Yes, you can repay your loan early at no extra cost.

It's easy

Getting a cheap loan in the UK is one thing, but getting it from people you can trust can be quite another. At Zopa your cheap personal loan will be provided by Zopa lenders who are people just like you. So they understand that you want a low, fair rate that is fixed and matched to your individual credit rating, so that it's easily manageable. Plus you avoid all the hassle of going through the banks. So make life easier on yourself - get a cheap loan quote today!

Get a cheap loan quote now