For the cheapest flexible loan that
matches your needs choose Zopa

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

I've come to Zopa to get a cheaper rate

"I've always managed my finances very responsibly and have just received an email from Cahoot to say they're increasing the interest rate on my flexible loan to almost double the current rate! I've come to Zopa to get a cheaper rate and still have the flexibility I had with my other loan. My daughter is getting married next year and I need to clear this debt as soon as possible to allow any extra funds to be channelled towards the ever escalating costs of the 'big day'."

I opted for Zopa as it was more flexible

"I work for a major high street bank. Although I could have gone through them, I opted for Zopa as it was more flexible, and the rates were a lot cheaper than they were offering."

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

You have competitive rates and a flexible approach to lending

"I have just bought the car of my dreams. I applied for this loan to complete the purchase and ensure that at least some of my recent bonus is spent keeping my wife happy on the home improvement front. I came to Zopa as you have competitive rates and a flexible approach to lending."

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 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

A flexible loan from Zopa is different as it's provided by people just like you (Zopa lenders) who understand that you want flexibility built in. This means you get your own individual credit rating and can agree how much you borrow over what period without any rigid rules. Plus you'll be offered a low, low rate and can repay your loan early at no extra cost and with no penalties whatsoever.

Get a flexible loan quote now