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

Hope in the future to be able to lend

"Thank you very much for helping me to avoid getting a loan from my bank! I've been looking for a personal loan and couldn't believe the rates I was quoted. I intend to pay off my one and only credit card which has crippling interest rates. I love the idea that the interest on my loan is going to real people rather than a faceless institution and hope in the future to be able to lend out my money to others who need it!"

It's a really inspiring concept

"My car died last year and we desperately needed a new one (having two year old twins), I originally took out a loan from my bank but was given misinformation by them and ended up taking out a loan which means I will have to pay interest of £960 instead of the £240 I had originally thought. Zopa was recommended to me by a friend and when I saw the rates I could get for a personal loan, I decided to apply. It is important to me that my money is used responsibly and this system of borrowing and lending really appeals. Many thanks; it's a really inspiring concept. Keep up the good work."

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

I was tempted to try Zopa

"I've always had a good credit history and have never missed a payment on any loan or mortgage that I've had. I was tempted to try Zopa when I read about the idea behind social lending. I really prefer to pay interest to a fellow human being - I've given enough money to faceless banks!"

Right now you can pay just
9.3% 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 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 Zopa loan quote now