Enjoy real peace of mind
with a debt consolidation loan
from Zopa!

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

Your loans are much cheaper

"I took out this loan to enable me to keep in touch with my Husband on operations in Afghanistan as communications provided by the MoD haven't been too reliable. I also wanted to consolidate the remaining balances on a couple of store cards as your loans are much cheaper. I decided to manage all our outstanding debts from one place before we have the baby we're planning - so thanks!"

I'm a great believer in your service

"I came to Zopa for a loan as I want to transfer my outstanding credit card balance and avoid paying interest to a faceless credit card company. I'm a great believer in your service and look forward to help other make some money while I save on interest."

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

I think this is an excellent rate

"This loan is for consolidation of credit cards (mainly for the cost of car that I purchased 5 months ago). I think this is an excellent rate and would be cheaper than using 0% credit cards and transferring balances every 6 to 9 months."

Right now you can pay just
8.5% 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 consolidation 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 conslidation 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

Let Zopa lenders help you take more control of your finances with a low rate debt consolidation loan. You'll be getting your personal debt consolidation loan from people just like you who understand the pressures of modern life and are there to help you get on top of your debts. With our fixed low rates, a consolidation loan from Zopa could be the cheapest consolidation loan you'll find in the UK and means you'll end up with much lower, more manageable repayments every month.

Get a consolidation loan quote now