For a cheap personal loan get a
Zopa quote now!

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

Liked the deals we saw with Zopa

"This loan will be used to buy proper camera equipment to capture those magical moments of our newly born second daughter. With two children, we are having to be really careful with our finances and liked the deals we saw with Zopa, they look much fairer than some other lenders. Many thanks."

BBC News

Alison Daniel is an HR Advisor at a magazine publishing company who was looking for a loan to pay her overdraft. "I looked at my bank and other various banks where I could get a loan and then I heard about Zopa, went on to their online calculator and the rates came up really cheaply so I opted for Zopa."

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

Money Week

"At Money Week, we love the idea of Zopa. We like the idea of cutting out the middleman and of helping people to help each other. And we like the basic claim Zopa makes: borrowers get cheaper rates via Zopa than they would if they borrowed from the banks, and lenders get higher rates than they would get if they saved via the banks... Does that mean you should be using Zopa? If you are a lender, the answer might well be yes (as) Zopa has much to recommend it."

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 home improvement 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 conslidation 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

Getting a cheap loan in the UK is one thing, but getting it from people you can trust can be quite another. At Zopa your cheap personal loan will be provided by Zopa lenders who are people just like you. So they understand that you want a low, fair rate that is fixed and matched to your individual credit rating, so that it's easily manageable. Plus you avoid all the hassle of going through the banks. So make life easier on yourself - get a cheap loan quote today!

Get a personal loan quote now