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  • • Take advantage of fixed low rates
  • • Repay early at no extra cost
  • • Get a quote now:
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Zopa was recommended to me by some friends

"I had invested in a brand new, off plan holiday flat which I will be using for breaks and also renting out. I paid a big deposit which left me a bit low on funds. After 6 months I had to pay the second instalment for the building works to continue, I had recently also had to pay out a bill for repairs that had been done on my flat. The repairs to my flat were totally unexpected and took up a chunk of money I had put aside for my holiday home. I needed to get a loan fast so that I paid the developers on time. Zopa was recommended to me by some friends and I was able to get the loan arranged and pay my developers when I was supposed to. Thanks to my lenders!"

The rates Zopa lenders can offer will really help

"I came to Zopa for a loan to consolidate some existing debt. I had a great loan rate with my previous bank, but they hiked up the interest to almost double. I wanted to get rid of that loan, on principle if nothing else! I would rather Zopa lenders have the interest as I feel my bank are behaving badly. I also wanted to close one of my credit cards as I made a mistake with payment dates and lost my 0% deal so am paying a ridiculous APR. I am 2 years into a 5 year schedule (started when I bought our house) to clear all my personal debt and a loan at the rates Zopa lenders can offer will really 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

The Sunday Herald

"James Watson is a 31 year-old software analyst from Fife. He signed up to Zopa a few months ago. 'I like the concept,' he says. 'It's a bit like lending money to a friend or relative, because you can find out about the borrowers and chat to them over the website. It's all so much more human and personal."

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

Getting a cheap loan in the UK is one thing, but getting it from people you can trust can be quite another. At Zopa your cheap personal loan will be provided by Zopa lenders who are people just like you. So they understand that you want a low, fair rate that is fixed and matched to your individual credit rating, so that it's easily manageable. Plus you avoid all the hassle of going through the banks. So make life easier on yourself - get a cheap loan quote today!

Get a personal loan quote now