Get a cheap personal 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

Much better rate

"Over the past four years I have realised that paying a big car loan off just to do 30 miles a week is ridiculous. I have sold my car and settled the original loan - after four years due to depreciation it just covers the value. What I intend doing now is buying a cheaper smaller car for about �2000 that will get me to work and back without paying �300 a month I used to pay to drive a flashy new car. This loan should buy a decent reliable small car at a much better rate."

I will save money over the long term

"I'm taking out this loan to pay off an outstanding Lloyds TSB loan and also finish off my motorbike loan with the finance corp. I decided to come to Zopa as I will save money over the long term. I have got my loan at a much cheaper interest rate."

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

Your interest is much more reasonable

"I am grateful for this opportunity to borrow money from you in order to achieve freedom. I am going to pay off a consolidated debt, promptly and cheaply (because your interest is much more reasonable) and when I have paid you back, I will be debt free, and that is freedom indeed!"

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