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

Much better paying them off together with your rates

"I used my loan to consolidate existing credit card debts. Some of the credit card company rates are unbelievable, total sharks! I did have the means to pay for my debts in one payment but preferred to keep my money for other investments, I have been thinking about investing in property and wanted to hold on to some cash should a good deal come up. Consolidating my debts gave me the opportunity to not worry about paying all that interest to individual companies, it worked out much better paying them off together with your rates."

You had the best deals we could find

"This loan will be used to pay off an existing credit card arrangement that we set up to use to pay for our wedding expenses. We used a new card with 0% interest for the first few months, and now that it has ended, the rates have shot up. We would like to start paying off that balance at a reasonable rate and you had the best deals we could find."

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

Thank you to my lenders

"My loan will be used to pay off a high percentage overdraft I currently have, get some jobs done around my house which I've been meaning to get done for ages and get my garden tidied up - I'm really hoping for a long, warm summer. Thank you to my lenders."

Right now you can pay just
8.8% 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