Get a cheap homeowner loan at a
fixed and fair rate from Zopa!

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

Zopa rates fair and competitive

"I've been offered a small loan by the bank but at a silly rate. I'm 32 now and have a good job, good wage and a house, but they still seem to treat me like a student. I got a much better rate with Zopa, this loan will help consolidate some credit cards and lower my monthly bills."

Get a loan and help your money work harder

"We've been looking for a cost effective way to fund building a conservatory on our house. We have the money to pay for it outright, but would rather borrow at a cheap rate and let our money work for us that little bit harder. Thanks for the help."

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

Easier Finance

"Those looking to knock their finances into better shape should explore Zopa lending - a new alternative to savings that last year paid out more than double the average deposit account, and more than the very best accounts available."

Right now you can pay just
7.3% 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 home improvement 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

If you're a UK homeowner, you could get a cheap homeowner loan arranged today by Zopa lenders. Most of our lenders are also homeowners just like you, so they understand your needs. You'll be offered a fair, low rate without any of the hassle of going through the banks. It's a far more personal and relaxed way of doing business and we think you'll appreciate the Zopa difference. Why wait when you can get a quote today!

Get a home loan quote now