Visit your personalised loan prices in only three minutes

Our prices in many cases are on the list of cheapest on the market. Checking your prices will not influence your credit rating.

Representative instance

That loan of ВЈ10,000 over five years can cost you ВЈ210.05 per at a representative 9.9% APR month.

The cost that is total 5 years is ВЈ12,602.87, including ВЈ2,362.87 interest at 8.8per cent fixed and a ВЈ240 fee. The full total quantity of credit is ВЈ10,240.

The price and cost you may be provided is determined by your specific circumstances.

Had Been Zopa

In 2005, we built the very first lending that is ever peer-to-peer to provide individuals usage of easier, better-value loans and opportunities. Since that time we have aided thousands and thousands of clients use the anxiety away from cash because they build our company on sincerity, trust and transparency.

We’ve authorized over in loans.

Our APRs cover anything from 2.9per cent to 34.9per cent.

Why a Zopa loan

• An easy, friendly rate that is personalised will not impact your credit rating
• Our loan prices tend to be on the list of cheapest available to you, plus it just takes three full minutes to find out yours
• Apply online (no fiddly documents to deliver through the post)
• We approve a lot more than 300 loans each day to individuals with a good credit score
• You can spend additional to your loan, and then we do not charge early repayment costs
• Our customer care is award-winning, and that means you know you will get a fantastic solution as standard when you really need to obtain in touch

Exactly exactly What our customers think

Recommended that loan for dual glazing

Brill from beginning to end top quality

Ranked exemplary predicated on 13336 reviews

We battle for the 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 requirements are often placed first. Today, it really is controlled because of the Financial Conduct Authority (FCA).

“Thanks to its clever usage of technology – including a short ‘soft’ credit make sure that will not affect someones credit history – Zopa has the capacity to offer pre-approval for approximately 65 percent of candidates, in as low as 12 moments. In market where financing approval takes times, thats an essential benefit. “

Individuals usually ask us

Yes, often. We do an affordability check which looks at several different types of income when you apply for a loan. We possibly may accept Airbnb profits – this will depend on your own circumstances.

Whenever would you think about Airbnb profits?

We give consideration to Airbnb profits so long as we could recognize at the very least 3 re re payments.

Your Airbnb earnings must be significant ( ag e.g. Regularly significantly more than a few hundred pounds a month.

For marginal applications, we might start thinking about lower quantities of regular Airbnb profits alongside other styles of income to greatly help us come to a decision.

Specifying the quantity

To incorporate your Airbnb earnings in the job, simply enter the figure that is yearly the ‘additional earnings’ field into the application.

Offering proof

You’ll want to provide proof of these re re payments. This means uploading one or higher bank statements or statements that are payPal at minimum 3 Airbnb payments.

New-ish to Airbnb?

If you have been hosting on Airbnb for under a enter the amount you’ve earned so far year. (Please don’t estimate a complete 12 months’s earnings. )

How about other kinds of leasing earnings?

We cannot accept direct earnings that are rental a kind of earnings right now. That’s mainly because deals are compensated direct by bank transfer and are also tough to confirm, whereas all Airbnb transactions have payment guide that marks them down as Airbnb – so that they’re simple to just right a bank declaration.

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

Just Just How?

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

You ought 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 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 loan that is existing?

Great. Merely tick the ‘debt consolidation’ package if you would like consolidate a current loan. Within the ‘about you’ part of the mortgage application you will be because of the choice to consolidate your Zopa that is existing loan and shown the amount. Don’t neglect to tick the ‘final consolidation authorization’ package.

Please be mindful that a settlement quantity is immediately obtained from your account once you remove a loan that is new us. This means the rest of the stability of one’s loan, any charges in addition to interest due are deducted from your own brand new loan quantity.

Yes… well, kind of.

Your repayments that are monthly go down if you spend additional towards your loan.

But it is difficult to choose a brand new quantity from scratch, because your Loan Contract is just an agreement that is fixed. This can help us responsibly prepare the cash that goes in and away from Zopa.

Yes, it is possible to. To consolidate more than one current Zopa loans.

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

Under ‘My account’ it is possible to choose the solution 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: you have up to ВЈ20,000 left to borrow if you borrowed ВЈ5,000.

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

For instance: If for example the Zopa that is remaining loan ended up being ВЈ1,000 and also you sent netpaydayloan for yous applications for a brand new ВЈ3,000 Zopa loan. Let’s imagine your costs and interest add up to ВЈ20. The rest of the stability of the initial loan (ВЈ1,000), along with any charges and interest payable (ВЈ20) will soon be deduced just before are credited because of the staying amount that is disbursal.

Using the above mentioned instance, this could 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, open the loan that is relevant and stick to the steps on display screen.

Items to bear in mind

• You will constantly have to select a romantic date which is at the least 3 times in the foreseeable future.
• We make an effort to provide just as much flexibility once we can, however some times will not be feasible due to how exactly we procedure repayments. In the event that very first date you choose is not a choice, please try a couple of days before or after it.
• Your following repayment that is monthly increase or decrease slightly. We try this to regulate for the alteration in interest payable due to the increased or reduced quantity of times from your own initial payment day to your repayment that is new time. (don’t be concerned, it is a one-off! Your repayments will come back to normal listed here thirty days. )
• You may not have the ability to improve your repayment time if: there is a payment pending or in progress, or perhaps you’ve missed more than one repayments or have actually defaulted on the loan, or perhaps you recently made a additional payment and have not made an everyday month-to-month repayment since.

Desire a hand?

We are right here to aid. Give us a call on 020 7580 6060 (Monday to Thursday 8am to 8pm, Friday 8am to 5pm).