See your rate before you commit to anything.
A soft-search quote shows you exactly what you'd pay — rate, repayments, term — without touching your credit score.
Three steps. No surprises.
Enter how much you'd like to borrow and over how long. We run a soft search — invisible to lenders, zero impact on your credit score.
Your rate is locked. Review it.
The rate you see is the rate you get. No last-minute adjustments at signing — review your repayment schedule and decide at your own pace.
Approved? Funds arrive next day.
Once you sign and we verify your details, funds are typically in your account by the next working day — no chasing, no waiting rooms.
Nothing hidden here.
Will checking my rate affect my credit score?
No. The initial eligibility check uses a soft search, which only you can see. Your score stays intact until you choose to proceed.
Can my rate change after I apply?
The rate shown in your quote is fixed. We do not adjust it later in the process — what you see is precisely what you sign.
How much can I borrow?
Zopa loans run from £1,000 to £50,000, repayable over 1 to 7 years. Your personalised quote will show the exact options available to you.
Ready to see your number?
Three minutes. No credit impact. A straight rate you can trust.