From start to finish, the process usually takes no more than 5 working days for you to receive the money. Because Zopa works by directly matching investors with people looking for a loan, careful matching against our lending criteria it sometimes takes a little longer.

Here's the breakdown

  1. Check your personalised loan rates (3 mins) and apply (up to 30 mins).
  2. If we can't instantly approve your loan, our underwriting team will review your application (up to 2 working days).
  3. Once approved, we send the money to your chosen bank account. This is usually just 5 working days but can sometimes takes a little longer.
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