Personal bank loan. See your personalised loan prices in only three minutes.

Our prices in many pre approved installment loans cases are one of the cheapest nowadays. Checking your prices will not influence your credit rating.

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Representative instance

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

The sum total price after 5 years is ВЈ14,539.29, which include ВЈ4,539.29 interest at 17% fixed and A вј0 cost. The sum total quantity of credit is ВЈ10,000.

The price you may be provided depends on 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 fee that is вј0. The sum total number of credit is ВЈ10,000.

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

We Are Zopa

In 2005 we built the very first ever peer-to-peer (P2P) mortgage lender to provide individuals use of easier, better-value loans and assets. Since that time we have assisted thousands and thousands of clients simply take the anxiety away from cash because they build our company on sincerity, transparency and trust. In 2020, we began a brand new chapter in our journey, formally starting Zopa Bank alongside our P2P company. The cause of achieving this had been easy: to produce much more approaches to enable our customers to FeelGood about cash.

We have authorized over ВЈ5 billion in loans.

Why choose Zopa?

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

Apply in a minutes that are few – no forms or documents

When your loan’s approved, you’ll get the cash within 2 hours

You can spend additional towards your loan – and then we don’t charge a cost

Our customer support is award-winning, so that you know you'll receive outstanding solution as standard when you really need to have in contact

Just exactly exactly What our customers think

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Centered on 14535 reviews

We battle for the legal rights

We led the fee in searching for legislation for the peer-to-peer loans industry to make fully sure your requirements are often placed first. Today, it really is controlled because of the Financial Conduct Authority (FCA).

People usually ask us

There are some conditions, and possesses to own been at the least a few months as your Zopa loan that is last application.

Just How?

You can select the option to 'Borrow more' when you sign in, under 'My account'.

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

Please understand that the total quantity you can borrow is ВЈ25,000. This implies when you yourself have a superb stability of ВЈ5,000, you have actually up to ВЈ20,000 left to borrow.

Consolidating a current loan?

Great. Just tick the 'debt consolidation' package if you wish to consolidate a current loan. Within the 'about you' element of the mortgage application you're going to be because of the solution to consolidate your existing Zopa loan, and shown the amount. Don't neglect to tick the 'final consolidation authorization' package.

Please be conscious that a settlement quantity is immediately extracted from your bank account whenever you take out a brand new loan with us. This means the rest of the stability of one's loan, any costs along with interest due are deducted from your own loan that is new quantity.

Yes… well, kind of.

Your repayments that are monthly decrease in the event that you spend additional towards your loan.

But it is impossible to select a unique quantity from scratch, because your Loan agreement is really an agreement that is fixed. It will help us responsibly prepare the income 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 account

Under 'My account' it is possible to find the choice to 'Borrow more'.

Just like your initial loan, the application form will likely to be at the mercy of our normal credit checks and you may just borrow as much as the utmost loan allowance away from ВЈ25,000.

As an example: in the event that you borrowed ВЈ5,000, you have actually up to ВЈ20,000 left to borrow.

Please be conscious that the settlement quantity is automatically obtained from your bank account once you sign up for a brand new loan with us. Which means that the residual stability of one's loan, any charges, along with interest due are deducted from your own loan that is new quantity.

For instance: when your staying Zopa loan stability 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 rest of the stability of one's initial loan (ВЈ1,000), in addition to any charges and interest payable (ВЈ20) are going to be deduced just before are credited with all the staying amount that is disbursal.

Using the aforementioned instance, this could suggest your loan disbursal amount 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 proceed with the steps on display.

Items to bear in mind

  • You are going to constantly need certainly to choose a romantic date which is at minimum 3 times in the foreseeable future.
  • We try to provide just as much flexibility once we can, many times defintely won't be feasible due to exactly how we procedure repayments. In the event that very first date you choose is not a choice, please decide to decide to decide to try a short time before or after it.
  • The next repayment that is monthly increase or decrease somewhat. We repeat this to regulate for the alteration in interest payable brought on by the increased or reduced wide range of times from your own initial payment time to your brand new payment day. (Don't worry, it is a one-off! Your repayments will come back to normal the next thirty days. )
  • You'll not manage to change your repayment time if: there is a payment pending or perhaps in progress, or perhaps you've missed a number of repayments or have actually defaulted on your own loan, or perhaps you recently made a repayment that is extra have not made a typical month-to-month payment since.

Require a hand?

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

Yes you are able to. 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 screen. We are going to just take the cash throughout your Direct Debit.

To cover additional within the phone: contact us on 020 7580 6060 (Monday to Thursday 9am-5.30pm and Friday 9am-5pm) and now we'd be pleased to walk you through it. You'll elect to spend by Debit Card or via your Direct Debit.