Your Borrowing Power is a 1-10 rating exclusive to Zopa. It shows you exactly how creditworthy you look to us and what rate you could get from us. It’s made up of your credit score and more, and it helps you to understand whether you’ll be accepted by us, and what loan rate you could get.

On the other hand, your credit score is a more general number and gives you a rough idea of how creditworthy you look to lenders. It’s calculated by credit reference agencies and it’s often different, depending on which agency you check it with.

Only Borrowing Power can tell you exactly what Zopa loans you’re eligible for.