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

Our prices tend to be one of the cheapest nowadays. Checking your prices will not impact 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 small personal installment loans full total price after five years is ВЈ14,539.29, including ВЈ4,539.29 interest at 17% fixed and a fee that is вј0. The total level of credit is ВЈ10,000.

The price you will be provided depends on your specific circumstances.

Representative instance

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

The sum 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 quantity of credit is ВЈ10,000.

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

We Are Zopa

In 2005 we built the ever that is first (P2P) home loan company to provide individuals usage of easier, better-value loans and opportunities. Since that time we have aided thousands and thousands of customers make the anxiety away from cash because they build our company on sincerity, trust and transparency. In 2020, we began a brand new chapter in our journey, formally establishing Zopa Bank alongside our P2P company. The explanation for carrying this out had been easy: to present much more techniques to enable our clients to FeelGood about cash.

We have authorized over ВЈ5 billion in loans.

Why choose Zopa?

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

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

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

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

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 touch

Exactly exactly What our customers think

Most readily useful financial institution. Neil furnival

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Centered on 14535 reviews

We battle for the legal rights

We led the fee in searching for regulation when it comes to peer-to-peer loans industry to ensure that your requirements are often placed first. Today, it really is controlled because of the Financial Conduct Authority (FCA).

Individuals usually ask us

There are many conditions, and has now to own been at the very least six months as your final Zopa loan application.

Exactly Just How?

Whenever you check in, under ‘My account’ you are able to choose the solution 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 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 would like consolidate a loan that is existing. Within the ‘about you’ part of the mortgage application you’re going to be given 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 conscious that the settlement quantity is immediately obtained from your account whenever you sign up for a new loan with us. Which means the residual stability of the loan, any fees along with interest due are deducted from your own loan that is new quantity.

Yes… well, type of.

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

But it is difficult to select an innovative new amount from scratch, because your Loan agreement is a fixed agreement. This can help us responsibly prepare the income that goes in and away from Zopa.

Yes, you can easily. To combine more than one current Zopa loans.

First you’ll want to log into the zopa.com account

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

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

For instance: 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 immediately extracted from your bank account whenever you sign up for a loan that is new us. Which means that the residual stability of one’s loan, any costs, in addition to interest due are deducted from your own brand new loan quantity.

For instance: if the staying Zopa loan stability had been ВЈ1,000 and you also sent 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), in addition to any costs and interest payable (ВЈ20) will undoubtedly be deduced just before are credited because of the staying amount that is disbursal.

Using the above mentioned instance, this might mean your loan disbursal amount 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 alter your payment time, please signal to your Zopa account, open the relevant loan, and stick to the steps on display.

What to bear in mind

• You will constantly have to choose a romantic date that is at minimum 3 times as time goes on.
• We make an effort to provide the maximum amount of flexibility once we can, however some times will not be feasible as a result of exactly how we procedure repayments. If the date that is first choose is not a choice, please decide to decide to decide to try a few days before or after it.
• Your following monthly payment will increase or decrease somewhat. We repeat this to regulate for the alteration in interest payable due to the increased or reduced amount of days from your own initial payment time to your repayment that is new time. (don’t be concerned, it is a one-off! Your repayments will come back to normal the next thirty days. )
• You’ll not manage to replace your payment time if: there’s a payment pending or in progress, or perhaps you’ve missed a number of repayments or have actually defaulted on the loan, or perhaps you recently made a repayment that is extra have not made a consistent month-to-month payment since.

Desire a hand?

We are here to simply help. Give us a call on 020 7580 6060 (to Thursday 9am-5.30pm monday and 9am-5pm) friday.

Yes you are able to. As much as you prefer, without any penalty charges.

To spend extra on line or through the software: please signal into the Zopa account, start the appropriate loan, and follow the steps on display. We will make the cash throughout your Direct Debit.

To cover additional within the phone: contact us on 020 7580 6060 (to Thursday 9am-5.30pm monday and Friday 9am-5pm) and then we’d be thrilled to walk you through it. It is possible to decide to spend by Debit Card or via your Direct Debit.