How borrowing works
Borrowing from Zopa lenders is a fair and human way of getting a low-cost loan - and applying is a straightforward, paperless process.
Check today's rates
Use the loan calculator to see what rates are available today. If you like the look of them then apply right away.
Apply for your loan
It’s quick and free to get a personalised quote for a Zopa loan. Simply tell us a few details about yourself to apply for your loan today.
The loan is reserved for you
We reserve your loan and give you a final decision within 24 hours (Mon - Fri) before transferring the money.