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

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

This loan will really help get my monthly payments down

"I applied for the loan to consolidate my existing debts which are manageable, but I want to decrease at a faster rate! I'm getting married in a few months, and want to have my finances all sorted - my overdraft is already minimal and this loan will really help get my monthly payments down."

The rates are great

"I only discovered Zopa recently and I'm really impressed. I have been looking for a loan to consolidate a few small debts for a few weeks now and the rates are great."

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

We're pleased with the rate we've found

"My wife and I have 2 young children and are working hard to consolidate our outgoings. She looks after the children full time now but will work again after they go to school. In the meantime we both have overdrafts, and we want to pay off her overdraft completely. We're pleased with the rate we've found, we'll pay less to a lender at Zopa than we currently pay each month in bank charges."

Right now you can pay just
9.3% 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