Applying for a Zopa loan is a simple online process.

There's no paperwork to send through the post. We've built a secure system that carries out thorough checks and handles every stage of your application online, and we use bank-level encryption throughout the site.

How to apply in 3 simple steps:

1. Choose how much to borrow and for how long.

We offer personal loans from £1,000 to £25,000 over 1 to 5 years.

2. See your personalised rates in 3 minutes.

Just fill in our simple form to tell us a few details about you and your circumstances. Don't worry, this won't affect your credit score.

3. Apply online and get a decision within 5 working days.

We may need you to provide proof of your identity, income or bank account. It's simple to do this online.

If approved, the money could be with you in as little as 5 working days. Sometimes this process does take a little longer. This is because Zopa works by directly matching investors with people looking for a loan, we only match people who meet our careful lending criteria.

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