For a personal loan online get a
Zopa quote now!

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

I was attracted to Zopa because of the low rates

"I have been living in the UK for 10 years; I am originally from Canada but have dual citizenship. I came to Zopa for an online loan to pay for an engagement ring for my girlfriend. I did think about paying for it upfront with cash, but decided I would rather borrow the money and pay it back over the term than take this amount out of the bank in one lump sum. I am getting the ring from a diamond wholesaler in Chicago that I went to University with and he is making it for me as we speak. I was attracted to Zopa because of the low rates and will probably look at becoming a lender in the future. Thanks."

We really like the idea behind Zopa

"My wife gave up her job to have our last child Joe, now 2 years old. Our plan is she will stay with him at home until he starts school; she is then planning on returning to work. We wanted a loan to help make things a little easier until we are back to two salaries. We really like the idea behind Zopa. It feels much more human than dealing with the banks."

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 unusual approach of this service appeals to me

"The unusual approach of this service appeals to me. I liked the idea that I wouldn't be incurring bank charges, but would be offering a return to individual investors. I started my business 18 months ago with money that I borrowed from family (due to a bank offering assistance at exorbitant rates) and I am now looking to refinance to achieve independence. When I did an online search, you had the best rates."

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