Unsecured loan. See your personalised loan prices in only three minutes.

Our rates in many cases are among the list of cheapest available to you. Checking your prices will not impact your credit rating.

TrustPilot 5 star score an example of five movie stars

Representative example

That loan of ВЈ10,000 over 5 years can cost you ВЈ242.32 per thirty days at a agent 17% APR.

The sum total price after five years is ВЈ14,539.29, which include ВЈ4,539.29 interest at 17% fixed and A вј0 charge. The sum total number of credit is ВЈ10,000.

The rate you’re provided is determined by your specific circumstances.

Representative instance

That loan of ВЈ10,000 over 5 years can cost you ВЈ242.32 per thirty days at a agent 17% APR.

The sum total expense after five years is ВЈ14,539.29, including ВЈ4,539.29 interest at 17% fixed and A вј0 cost. The total quantity of credit is ВЈ10,000.

The price you will be provided is determined by your circumstances that are individual.

We Are Zopa

In 2005 we built the very first ever peer-to-peer (P2P) mortgage lender to provide individuals usage of easier, better-value loans and opportunities. Since that time we’ve assisted thousands of clients use the anxiety out of cash because they build our company on sincerity, trust and transparency. In 2020, we started a chapter that is new our journey, formally releasing installment loans today Zopa Bank alongside our P2P company. The cause of carrying this out had been easy: to supply more methods to enable our clients to FeelGood about cash.

We have authorized over ВЈ5 billion in loans.

Why choose Zopa?

Begin to see the price you’ll get, with actually no impact to your credit rating

Apply in a couple of minutes online – no forms or documents

In the event your loan’s approved, you’ll get the funds within 2 hours

It’s not hard to spend additional towards your loan – and then we don’t charge a cost

Our customer care is award-winning, and that means you know you’ll receive a great solution as standard when you really need to obtain in touch

Just just What our customers think

Most useful lender. Neil furnival

TrustPilot 5 star score an example of five movie movie movie stars

According to 14535 reviews

We battle for your legal rights

We led the fee in searching for legislation when it comes to loans that are peer-to-peer to make sure that your needs are often placed first. Today, it is controlled by the Financial Conduct Authority (FCA).

Individuals frequently ask us

There are many conditions, and possesses to own been at the least half a year as your Zopa loan that is last application.

Just Exactly How?

Whenever you check in, under ‘My account’ it is possible to choose the choice to ‘Borrow more’.

You need to just borrow what you’re able repay, and all sorts of Zopa loans are susceptible to our normal credit checks

Please keep in mind that the total quantity you can borrow is ВЈ25,000. What this means is when you have a highly skilled balance of ВЈ5,000, you have up to ВЈ20,000 left to borrow.

Consolidating a loan that is existing?

Great. Merely tick the ‘debt consolidation’ package if you’d like to consolidate a preexisting loan. In the ‘about you’ area of the mortgage application you’re going to be because of the choice to consolidate your existing Zopa loan, and shown the amount. Don’t neglect to tick the ‘final consolidation permission’ package.

Please be conscious that a settlement quantity is immediately obtained from your account once you remove a brand new loan with us. This means the rest of the stability of the loan, any charges along with interest due are deducted from your own loan that is new quantity.

Yes… well, kind of.

Your month-to-month repayments will decrease in the event that you spend extra towards your loan.

But it is impossible to select a brand new quantity from scratch, since your Loan agreement is really a fixed agreement. It will help us responsibly prepare the funds that goes in and away from Zopa.

Yes, you are able to. To combine more than one existing Zopa loans.

First you will have to log into the zopa.com account

Under ‘My account’ it is possible to choose the choice to ‘Borrow more’.

Just like your initial loan, the program will soon be susceptible to our normal credit checks and you will only borrow as much as the most loan allowance out of ВЈ25,000.

As an example: If you borrowed ВЈ5,000, you have actually up to ВЈ20,000 left to borrow.

Please be mindful that a settlement quantity is immediately extracted from your account once you sign up for a brand new loan with us. Which means the rest of the stability of one’s loan, any charges, along with interest due are deducted from your own loan that is new quantity.

For instance: in the event your Zopa that is remaining loan had been ВЈ1,000 and also you applied for an innovative new ВЈ3,000 Zopa loan. Let’s imagine your costs and interest amount to ВЈ20. The residual balance of the original loan (ВЈ1,000), in addition to any charges and interest payable (ВЈ20) is going to be deduced just before are credited using the staying amount that is disbursal.

Using the aforementioned instance, this might suggest your loan disbursal quantity is ВЈ1,980.

Yes you can easily. The is automatically set to 30 days after your loan is approved, but you’re welcome to pick a more convenient one day.

To alter your payment time, please signal into the Zopa account, start the appropriate loan, and stick to the steps on display screen.

Items to bear in mind

  • You are going to always want to select a romantic date that is at the least 3 times later on.
  • We make an effort to provide the maximum amount of flexibility even as we can, many times will not be feasible as a result of how exactly we procedure payments. In the event that date that is first choose is not an alternative, please decide to decide to decide to try a few days before or after it.
  • The next repayment that is monthly increase or decrease slightly. We do that to regulate for the alteration in interest payable brought on by the increased or reduced wide range of days from your own initial payment time to your repayment that is new time. (do not worry, it is a one-off! Your repayments will go back to normal listed here thirty days. )
  • You may not manage to replace your payment time if: there is a payment pending or perhaps in progress, or perhaps you’ve missed several repayments or have actually defaulted on your own loan, or perhaps you recently made a repayment that is extra haven’t made a typical month-to-month repayment since.

Need a hand?

We are right right here to aid. Contact us on 020 7580 6060 (to Thursday 9am-5.30pm monday and 9am-5pm) friday.

Yes you’ll. As much as you would like, without any penalty charges.

To spend extra on line or through the application: please signal into the Zopa account, start the appropriate loan, and proceed with the steps on display screen. We are going to make the cash using your Direct Debit.

To pay for additional within the phone: give us a call on 020 7580 6060 (Monday to Thursday 9am-5.30pm and Friday 9am-5pm) and we also’d be happy to walk you through it. You are able to elect to spend by Debit Card or via your Direct Debit.

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