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
- Check your personalised loan rates (3 mins) and apply (up to 30 mins).
- If we can't instantly approve your loan, our underwriting team will review your application (up to 2 working days).
- 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.