Loans
Find answers to our most frequently asked questions.
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- Does Zopa offer payment holidays?
- Can I top up my loan?
- Can I extend my loan term?
- I'm struggling with my repayments. What should I do?
- If I take out a new loan, how much of my early repayment charge will be refunded?
- How are my loan repayments calculated?
- What is the bereavement process at Zopa?
- Can I borrow more?
- How can I get a settlement quote and statement?
- I’m looking to borrow more or consolidate an existing loan, am I able to?
- If I settle my loan early or make an extra repayment, will my Direct Debit still be taken?
- What is an early settlement quote?
- Why has my Direct Debit been taken even though I've already settled my loan?
- What's an early settlement quote?
- How do I close my Zopa loan or car finance?
- Why do I need to set up SMS two-factor authentication?
- How do I set up SMS two-factor authentication?
- What can I do if I'm not receiving SMS verification codes for two-factor authentication?
- Why has my repayment amount changed?
- Why was an extra repayment taken after my settlement?
- Can I extend my loan term?
- Who can get a Zopa loan?
- I think I’ve been a victim of fraud
- What happens when I check my rates?
- How do I apply for a Zopa loan?
- How much can I borrow and for how long?
- What can I use a Zopa loan for?
- What's a soft credit search?
- Why is my personalised rate different to the advertised rate?
- How quickly could I get the money?
- Why should I choose a Zopa loan?
- What's a credit reference agency or credit bureau?
- How can I find out my credit score?
- Rental earnings: do you accept them as a type of income?
- Airbnb earnings: do you accept them as a type of income?
- What happens if my loan is declined?
- What kind of bank account do I need to use when I apply?
- I’m on disability benefits: can I apply for a Zopa loan?
- What is an associate search?
- Why can’t I create a Zopa account?
- Where can I see the status of my loan application?
- I’ve been asked to upload documents to support my application, how should I do this?
- Why was my loan application Declined? What happens next?
- I've been asked to contact Zopa about my loan application, when and how should I do this?
- Why was my loan application declined?
- I'm self-employed, what documents should I upload?
- How do I cancel my loan application?
- When will I hear if I’ve been approved?