For a flexible personal loan that
matches your needs choose Zopa

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

I like the idea of Zopa

"I have a flexible loan with another lender that helps me cover unexpected bills and purchases as I have no credit cards. The APR has been rising since I've had it and I've looked into changing it to something better. I like the idea of Zopa and thought I'd give it a go and move my current loan to it."

Our aim is to be debt free

"We are planning on using the money from our personal loan to pay the balloon payment at the end of our personal contract purchase on a Renault Clio. We also want to pay off our only credit card as the 0% deal is about to end. The rest of the money is to pay a couple of overdrafts. We did have a flexible loan with another lender, but they became more and more inflexible! Being able to have everything together on this loan would leave us in a nice situation with just the mortgage, a car loan and this loan as our sources of debt. Our aim is to be debt free apart from our mortgage (unless the lottery finally pays up)."

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
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 car 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 car 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

A flexible loan from Zopa is different as it's provided by people just like you (Zopa lenders) who understand that you want flexibility built in. This means you get your own individual credit rating and can agree how much you borrow over what period without any rigid rules. Plus you'll be offered a low, low rate and can repay your loan early at no extra cost and with no penalties whatsoever.

Get a flexible loan quote now