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

We feel much more content paying it off at a much lower rate

"I think my family and I are very similar to lots of very busy parents in the UK. Credit has been used in the past and has crept up to an amount that we now want to be rid of. We feel much more content paying it off at a much lower interest rate than we have been offered elsewhere. Zopa also appeals as we wouldn't be penalised if we do find ourselves able to pay it off in bigger sums or possibly early."

This whole process is very refreshing

"This whole process is very refreshing. We have fallen out with our bank as they changed the terms and conditions on a special bill payment account when they changed it to a normal current account and found ourselves overdrawn on it! Hence my appreciation of Zopa. We don't have large amounts of debt but this loan will help us consolidate, pay vets fee and allow us to put our daughter through university."

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
9.5% 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