For a low rate 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

The facility to repay early is a great feature of Zopa

"I like flexible loans and the facility to repay early is a great feature of Zopa. I intend to use the money to settle a loan on which I'm currently paying an extortionate APR. I was really impressed with your low rates!"

Individuals benefit from the interest

"I currently have a small flexible loan with a bank and they keep pushing the rates up and up. I like the fact that at Zopa, individuals benefit from the interest rather than a national organisation."

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 impressed with the low rates being offered

"I chose Zopa because it has the lowest APR and I can pay back my loan quicker than planned without penalty. I was impressed with the low rates being offered. I am using the money to (unfortunately) buy a sensible car to last me for the future. This is the first time I have borrowed any money in my 26 years. Thank you."

Right now you can pay just
9.0% 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 loan quote now