You need to repay at least your minimum payment every month, otherwise we’ll add a £12 missed payment fee to your account.
If you fall behind, we’ll cancel your automatic payment and you’ll need to pay this manually each month.
It’s really important to get in touch with us if you’re struggling to keep up with your Zopa credit card payments. There are things we can do to try and get you back on track.
Missed or late payments are recorded on your credit file, which is what lenders look at when they’re deciding whether to approve you.
It’s always better to act early – the sooner you speak to us, the sooner we can minimise the impact on your credit file. Get in touch with us today:
Email us at repayments@zopa.com
Call us on 020 3770 5960
Others who can help
Organisations, such as PayPlan, give free, impartial and confidential advice, and contacting them won’t impact your credit score. They’ll help you check out your options, explore solutions and support you through every step of your journey to becoming debt-free.
To contact PayPlan you can call them on 0800 280 2816, Monday to Friday 8am-8pm or Saturday 9am-3pm, chat to them online or request a call back from PayPlan. Or you can use this secure online debt solution tool to get the advice you need
You can also find free and impartial money guidance through Money Helper. Money Helper offer in depth guides to improve your finances, tools and calculators to help keep track and plan ahead as well as support over the phone and online.
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