For a uk personal loan get a
Zopa quote now!

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

If you're after a cheap personal loan, make sure it's with Zopa. That's not just because we can offer you a low, low rate, but your loan will be provided by Zopa lenders who will ensure you get a fair deal with a fixed rate based on your individual credit rating here in the UK. Zopa is the more personal way to get a personal loan - and you won't have to deal with any banks either!

It's happily ever after for men and women between 20-40 years old who list 'wedding expenses' as one of their top reasons for getting a loan at Zopa, closely followed by 'paying off a loan from family or friends' Why not join them for a great personal loan deal.

Making life a little easier with lower repayments

"To cover all our monthly outgoings, I have to work lots of hours. That's just our mortgage and the usual bills, nothing extravagant. Paying slightly less per month can make the difference between an extra day at home each month with my family. Enjoyment and laughter is what life is about and not having to be pressured by ridiculous interest rates from the high street banks. Getting this loan with Zopa has really taken some pressure of us and I feel much happier knowing I am paying my money back to real people rather than some fat cats."

This loan will really help settle things

"We have had a very expensive year which has left my account rather depleted. A charity trip to Africa, a few unplanned expenses for our children, 3 family weddings and work needed on our car! This loan will really help settle things. Thanks!"

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

Want to know the top 5 reasons people are getting a personal loan at Zopa? Look no further, we've got it all here for you!

20-29 year olds:
  1. Wedding expense
  2. Pay off loan from family or friends
  3. Motor bike
  4. House deposit
  5. Personal computer
30-39 year olds:
  1. Wedding expense
  2. Motor bike
  3. Pay off loan from family/friends
  4. Repairs
  5. Personal computer
40-49 year olds:
  1. Motor Bike
  2. Repairs
  3. Pay off loan from family/friends
  4. Electrical audio/visual goods
  5. Stocks & Shares
50-59 Year olds:
  1. Wedding expenses
  2. Garden Improvements
  3. Motor Bike
  4. Repairs
  5. Pay off loan from family/friends
60-69 Year olds:
  1. House deposit
  2. Personal Computer
  3. Repairs
  4. Caravan
  5. Garden improvements

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