Rating based on 27 reviews



  • Debt Consolidation up to £25,000
  • Low-interest starting from 15.4%
  • Repayment up to 5 years

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Author Zopa. Screenshot of Zopa website. [Accessed May 15, 2020]

About Zopa

Finance does not have to be difficult. When a financial institution is dedicated to offering financial products and services that ensure the borrower is placed in a better financial position, finance becomes easy.

Gaining control of your finance no longer has to be a drawn-out process. All it takes is one simple online loan application and you can be in control once again.

A lender who cares about its customers

Since 2005 we here at Zopa have been reincorporating values, honesty, and integrity into lending and overall finance. For this reason, we have assisted hundreds of thousands of customers to receive the financial assistance that they deserve with our fast loans.

We pride ourself in responsible lending

We take pride in being a responsible lender because it allows our customers to feel secure and at ease. We believe in being more than just a bank; we believe in providing our customers with the tools and products to manage their money better such as debt consolidation loans.

This is why our employees go beyond the line of duty in order to adapt our products and services to suit the need and preferences of our customers.

Zopa Services

The next best thing to variety is flexibility and versatility. Nothing makes a customer happier than options except maybe good deals!

At Zopa, we offer a range of financial products and services like payday loans that can be as flexible as you need them to be. Allow us to help you make the best decision for your situation.

Manage your money the right way

In today’s economic climate it is not uncommon to have multiple credit cards, store cards and small loans that make up part of your debt. The problem with having multiple debts is that they can be difficult to keep track of which often results in missed payments.

We can help you get out of debt quickly

A debt consolidation loan will allow you to repay all of your debt and repay it with only one monthly repayment.

We offer consolidation loans from the value of £1,000 up to £25,000 repayable over a period of one to five years.

Refinance your debt today to gain access to lower rates and more manageable money! Consolidation is the answer you have been looking for.

Zopa Product Details

  • Loan Type Debt Consolidation
  • Interest Rate from 15.4%
  • Loan Amount up to £25,000
  • Repayment 1 year to 5 years

Benefits of Zopa

  • Apply for a debt consolidation loan online
  • Get a quick online quote
  • One affordable monthly repayment
  • Lower your monthly repayments

Financial management is something to get excited about

A common misconception between the UK public is that loans are only for people who are in debt however this is far from the truth.

We also offer personal loans to assist our fellow citizens to finance the happy times in their lives such as weddings and home improvements.

The big day deserves the best

A wedding will always be one of the most important days in your life which is why it is understandable that you want everything to be perfect. With a wedding loan, you can afford to invite those additional guests or add those extra few days onto your honeymoon. Simply complete the online application and we will take it from there allowing you to focus on more important matters like food tasting or dress fittings! Make your ‘big day’ the best day with a little help from Zopa!

Home improvements – for when the DIY bug bites

Whether you are a DIY fanatic or prefer to sit back while the magic unfolds, we can assist you to get the kitchen revamped just the way you want it. The best part about home improvement loans is that you are investing directly into your property. By adding on an additional room for junior or getting a pool installed you are increasing the overall value of your property. Not only can you live the way that you have always dreamed but you can invest in your property while you’re at it. Now that is an investment that we can get behind!

Why a Zopa loan is the best loan for you

Before applying for a Zopa short-term loan you can make use of our free, nifty software that will determine the personalised rate that you can receive without affecting your credit score. We offer some of the lowest rates meaning you can save money on interest and use it to finance what you love. Tedious and cumbersome in-store loan applications are matters of the past which is why we have paper-free, online applications that can be completed from the comfort of your home. We even allow our customers to make additional loan payments free of charge. What are you waiting for? Apply today!

A responsible lender with standards

As a responsible lender, it is our responsibility to have specific criteria in place to ensure that our borrowers are well protected whether they're taking out a personal or debt consolidation loan. For this reason, we will only lend to applications who are UK citizens over the age of twenty.

The application should be employed or retired with a regular income of at least £12,000 per annum. We will also assess the applicant’s credit record to ensure that they will be able to afford the loan. If you qualify against the above-mentioned criteria then complete our online application and start your journey toward a better financial future.

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Zopa is a trusted & reliable provider of debt consolidation

In our review, Zopa adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Zopa is a registered credit provider in the UK; FCA number 800542

Customer Reviews & Testimonials

A good option if you need an affordable unsecured loan with relatively flexible repayment terms.

Codie H
— London —

Very convenient and speedy online application + approval, the funds were in my account the next morning.

Hayden C
— Blackpool —

My Zopa loan really helped me get my finances back in perspective, I used my loan to pay off existing debts and now just have the one repayment to focus on.

Skylar N
— Watford —

Zopa Contact Details

Physical Address

  • 47-49, Cottons Centre, Tooley St London England SE1 2QG United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed