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

Interested in a flexible solution to borrowing money

"I came to Zopa as I'm interested in a flexible solution to borrowing money. Rather than a typical loan, a product where I can make overpayments as I require. I have been offered another loan but wanted to improve on the rate that's available with them. My situation changed prior to Christmas where I have a much higher monthly disposal income, allowing for the purchase of a new car. The reason for the loan is to obtain a vehicle now, without waiting an additional 6-12 months to gain the full amount."

I am getting the best deal

"I would like to thank the lenders and the people behind this site for making the prospect of having to borrow money a much nicer and re-assuring process than I imagined. I have done my research to make sure I am getting the best deal. It was very important to me that the loan be flexible as it gives me the opportunity to pay back more when I can. This is a great deal and I hope this will enable me to buy a bigger car and pay it all off before I have to worry about a mortgage etc, then at least we have the car we need to start a family, rather than a tiny seicento!"

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