Home loan, get your home loans here!

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

Looking forward to having a few Nigella and Jamie moments

"This loan will be going towards a long overdue new kitchen and bathroom. I very much look forward to enjoying it after the short term mess and stress of building work. I am really looking forward to having a few Nigella and Jamie moments with friends in the kitchen. Thanks for lending to me, it is much appreciated."

I needed a new roof for my outhouse

"I came to Zopa as I needed a new roof for my outhouse. All my things had been getting soaked whenever it rained. I'd been draping everything with plastic but the drips started turning into a steady stream, and global warming suggests that it could have become torrential at any time. I did consider buying a kayak, which would have been one answer, but thought it wise to go for the roof first. Thanks for my loan."

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

The Daily Mirror

"Faceless banks charging huge interest rates and slapping on penalties at the slightest excuse are encouraging growing numbers to seek alternatives. To fill the gap, imaginative ideas such as Zopa, an internet-based business where people borrow from one another, are starting to spring up."

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