Visit your personalised loan prices in only three minutes

Our prices tend to be on the list of cheapest nowadays. Checking your prices will not impact your credit score.

Representative example

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

The total price after five years is ВЈ12,602.87, which include ВЈ2,362.87 interest at 8.8% fixed and a ВЈ240 charge. The sum total quantity of credit is ВЈ10,240.

The price and charge you might be provided is determined by your circumstances that are individual.

Had Been Zopa

In 2005, we built the initial ever peer-to-peer home loan company to provide people usage of simpler, better-value loans and assets. Since that time we’ve aided thousands and thousands of clients just take the anxiety away from money 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

  • A quick, friendly rate that is personalised will not influence your credit history
  • Our loan rates in many cases are among the list of cheapest available to you, and it also just takes three full minutes to find down yours
  • Apply on line (no fiddly documents to deliver through the post)
  • We approve a lot more than 300 loans every day to people who have a credit history that is good
  • You can spend additional to your loan, and we also do not charge very early payment costs
  • Our customer support is award-winning, which means you know you’ll receive a service that is great standard when you really need to have in contact

Just exactly just What our customers think

Recommended that loan for double glazing

Brill from beginning to end high quality

Ranked exemplary centered on 13336 reviews

We battle for the liberties

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

“Thanks to its use that is clever of – including a preliminary ‘soft’ credit make sure that will not effect on someones credit history – Zopa has the capacity to offer pre-approval for approximately 65 % of candidates, in as low as 12 moments. In market where financing approval takes times, thats a significant benefit. “

Individuals frequently 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 earnings that are airbnb this will depend in your circumstances.

Whenever can you think about Airbnb profits?

We think about Airbnb profits so long as we are able to determine at the very least 3 re re payments.

Your Airbnb profits should be significant ( e.g. Regularly more than a few hundred pounds a thirty days).

For marginal applications, we might start thinking about reduced amounts of regular Airbnb earnings alongside other kinds of earnings to greatly help us come to a decision.

Indicating the quantity

To add your Airbnb earnings in the job, just enter the annual figure in the ‘additional earnings’ industry into the application.

Providing proof

You will have to offer proof of these re payments. This means uploading one or maybe more bank statements or statements that are payPal at minimum 3 Airbnb payments.

New-ish to Airbnb?

If you have been hosting on Airbnb at under a enter the amount you’ve earned so far year. (do not calculate a year that is full earnings. )

Think about other styles of leasing earnings?

We cannot accept direct earnings that are rental a style of earnings at this time. That is because these deals are compensated direct by bank transfer as they are tough to validate, whereas all Airbnb transactions have a re payment reference that marks them down as Airbnb – so that they’re an easy task to just right a bank statement.

There are some conditions, and has now to possess been at the least six 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 ought to just borrow what you’re able repay, and all sorts of Zopa loans are susceptible to our normal credit checks

Please understand that the amount that is total can borrow is ВЈ25,000. What this means is when you have a highly skilled stability of ВЈ5,000, you have actually up to ВЈ20,000 left to borrow.

Consolidating a loan that is existing?

Great. Just tick the ‘debt consolidation’ package if you’d like to consolidate a loan that is existing. Within the ‘about you’ element of the mortgage application you’re going to be offered the solution to consolidate your Zopa that is existing loan and shown the amount. Do not forget to tick the ‘final consolidation authorization’ package.

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

Yes… well, type of.

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

But it is extremely hard to choose an innovative new quantity from scratch, since your Loan Contract 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’ll want to log into the account

Under ‘My account’ you are able to choose the choice to ‘Borrow more’.

Much like your initial loan, the program will undoubtedly 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: you have up to ВЈ20,000 left to borrow if you borrowed ВЈ5,000.

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

For instance: If for example the staying Zopa loan stability had been ВЈ1,000 and also you requested a brand new ВЈ3,000 Zopa loan. Suppose your charges and interest add up to ВЈ20. The residual stability of the original loan (ВЈ1,000), in addition to any charges and interest payable (ВЈ20) is likely to be deduced just before are credited using the staying amount that is disbursal.

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

Yes you are able to. The time is automatically set to thirty day period after your loan is authorized, however you’re welcome to choose an even more convenient one.

To alter your repayment time, please signal into the Zopa account, start the relevant loan, and proceed with the steps on screen.

What to bear in mind

  • You are going to constantly have to select a romantic date that’s at the least 3 times later on.
  • We make an effort to provide the maximum amount of flexibility we process payments as we can, but some dates won’t be possible because of how. If the first date you choose is not a choice, please decide to decide to decide to try a few days before or after it.
  • Your following month-to-month payment will increase or decrease somewhat. We repeat this to regulate for the alteration in interest payable due to the increased or reduced wide range of days from your own initial payment time to your brand new payment time. (do not worry, it is a one-off! Your repayments will go back to normal the next thirty days. )
  • You will not have the ability to replace 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 normal month-to-month payment since.

Require a hand?

We are right here to aid. Contact us on 020 7580 6060 (to Thursday 8am to 8pm, Friday 8am to 5pm) monday.