For a flexible personal 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

The rate is much more competitive than my current loan

"I needed to arrange a loan as I have recently moved over from being a contractor to permanent employee and need to pay off my last self-employed tax bill. I looked at Zopa and the rate is much more competitive than my current loan facility. I really liked the flexibility that was offered."

The ability to overpay was really attractive to me

"Thank you for the loan, this will enable me to reduce my outgoings so I can hopefully move into my own first home over the summer. I have taken out bank loans in the past and I always make sure any debts and savings plans are paid into first. I have found previous loans to be inflexible as when I get a bonus or have a good few months saving I can't repay lump sums. The ability to overpay was really attractive to me."

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

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