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

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

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

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Representative instance

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

The full total expense after 5 years is ВЈ14,539.29, which include ВЈ4,539.29 interest at 17% fixed and a fee that is вј0. The total number of credit is ВЈ10,000.

The price you might be provided is determined by your specific circumstances.

Representative instance

Financing of ВЈ10,000 over five 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, which include ВЈ4,539.29 interest at 17% fixed and A вј0 charge. The full total quantity of credit is ВЈ10,000.

The price you will be offered is determined by your specific circumstances.

We Are Zopa

In 2005 we built the ever that is first (P2P) home loan company to offer people usage of easier, better-value loans and opportunities. Ever since then we have aided thousands and thousands of customers simply take the stress away from cash because they build our business on sincerity, trust and transparency. In 2020, we started a chapter that is new our journey, formally starting Zopa Bank alongside our P2P company. The cause of achieving this had been easy: to give a lot more techniques to empower our customers to FeelGood about cash.

We have authorized over ВЈ5 billion in loans.

Why choose Zopa?

Start to see the price you’ll get, with actually no effect to your credit rating

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

Should your loan’s approved, you’ll get the amount of money within 2 hours

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

Our customer support is award-winning, and that means you know you’ll receive outstanding solution as standard when you really need getting in touch

Just What our customers think

Best lender. Neil furnival

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Centered on 14535 reviews

We battle for the liberties

We led the cost in looking for legislation when it comes to loans that are peer-to-peer to make fully sure your requirements are often placed first. Today, it is managed because of the Financial Conduct Authority (FCA).

People frequently ask us

There are many conditions, and contains to possess been at the very least half a year as your final Zopa loan application.

Exactly Just How?

Whenever you check in, under ‘My account’ you are able to choose the choice to ‘Borrow more’.

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

Please understand that the amount that is total can borrow is ВЈ25,000. This implies you have up to ВЈ20,000 left to borrow if you have an outstanding balance of ВЈ5,000.

Consolidating a current loan?

Great. Just tick the ‘debt consolidation’ package should you want to consolidate a preexisting loan. Into the ‘about you’ portion of the mortgage application you’re going to be because of the solution to consolidate your existing Zopa loan, and shown the amount. Do not forget to tick the ‘final consolidation authorization’ package.

Please be conscious that a settlement quantity is immediately extracted from your account once you sign up for a loan that is new us. Which means the residual stability of the loan, any costs in addition to interest due are deducted from your own brand new loan quantity.

Yes… well, kind of.

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

But it is extremely hard to choose an innovative new quantity from scratch, because your Loan agreement is just an agreement that is fixed. It will help us responsibly prepare the funds that goes in and away from Zopa.

Yes, you are able to. To combine a number of current 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’.

The application will be subject to our normal credit checks and you can only borrow up to the maximum loan allowance out of ВЈ25,000 as with your original loan.

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

Please be conscious that a settlement amount is immediately extracted from your account once you sign up for a loan that is new us. Which means the residual stability of the loan, any costs, along with interest due are deducted from your own brand new loan quantity.

As an example: If for example the Zopa that is remaining loan ended up being ВЈ1,000 and you also sent applications for an innovative new ВЈ3,000 Zopa loan. Let’s imagine your charges and interest add up to ВЈ20. The residual stability of your initial loan (ВЈ1,000), along with any charges and interest payable (ВЈ20) is going to be deduced just before are credited with all the staying amount that is disbursal.

Using the aforementioned example, this will suggest your loan disbursal quantity is ВЈ1,980.

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

To improve your payment time, please signal into the Zopa account, start the loan that is relevant and follow the steps on display screen.

Items to bear in mind

  • You will constantly want to choose a romantic date which is at the very least 3 times in the foreseeable future.
  • We seek to provide the maximum amount of flexibility we process payments as we can, but some dates won’t be possible because of how. In the event that very first date you choose is not an alternative, please decide to decide to try a few days before or after it.
  • Your following month-to-month payment will increase or decrease slightly. We try this to modify for the alteration in interest payable brought on by the increased or decreased wide range of times from your own initial payment time to your brand new payment day. (do not worry, it is a one-off! Your repayments will go back to normal the next thirty days. )
  • You’ll not have the ability to improve your payment time if: there is a payment pending or perhaps in progress, or perhaps you’ve missed more than one repayments or have actually defaulted on the loan, or perhaps you recently made a extra repayment and have not made an everyday month-to-month payment since.

Require a hand?

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

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

To spend online that is extra through the software: please signal to your Zopa account, open the appropriate loan, and proceed with the steps on display. We are going to simply take the money using your Direct Debit.

To cover additional throughout the phone: call us on 020 7580 6060 (Monday to Thursday 9am-5.30pm and Friday 9am-5pm) and we also’d be thrilled to walk you through it. You are able to elect to spend by Debit Card installment loans no credit check or via your Direct Debit.

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