Why put yourself through all the
hassle of getting a bank loan
when you can get a Zopa loan
today!

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

I love that Zopa is all about people helping each other

"This is a great idea, I love that Zopa is all about people helping each other to get ahead. I've been with my bank 9 years and am paying a ridiculously high APR for a lesser loan. I am rather clueless with banking and now that I've been looking into it, I've realised how much they have been making out of my situation! I feel so much happier with the cheaper rates you have available."

I am much happier paying the interest directly to lenders

"This scheme makes a lot of sense and I am much happier paying the interest directly to lenders rather than a bank. I'll be using this money to consolidate a couple of loans so that I pay less interest and know where the debt is. I have recently had a baby and want to be able to stop worrying about money and concentrate on enjoying my time with her. Thank you!"

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

Real alternatives to borrowing money

"What a fantastic idea this is! I love it that we can turn our backs on the high street Banks now and have real alternatives to borrowing money at much cheaper rates."

Right now you can pay just
9.5% 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 car 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 car 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 trying to get a bank loan in the UK fills you with dread, don't worry, with Zopa there's an easier way to get a loan. Your loan will be provided by Zopa lenders who won't swamp you with paperwork or ask you endless questions. From a simple personal credit rating, you can be offered a loan at a fixed, low rate with the minimum of fuss. So whether you're after a personal bank loan, cheap bank loan - or even the cheapest bank loan - why not make life a lot simpler and get a Zopa quote today.

Get a loan quote now