Get a cheap loan at a fixed
and fair rate from Zopa!

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

This form of borrowing was totally new to me

"I'm taking out this loan to pay off a different loan which I originally took out so that I could afford to move home to a cheaper location. Unfortunately the bank is currently charging me incredibly high interest, which is a drain on my finances. But if I pay it off early I need not pay the entire amount of extortionate interest. My friend suggested I check out your website and I am so pleased I did. This form of borrowing was totally new to me. I am much happier to be paying the more reasonable interest rate to more friendly people."

You have come out the cheapest wherever I have looked

"I'll be using my loan money to buy a newer car. I've decided to treat myself as I have just been promoted and will soon be being paid more. The fact that you do not penalise for early repayments was fantastic and you have come out the cheapest wherever I have looked."

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