Home improvement loans

Mood boards at the ready. Revamp your space with a home improvement loan. See the rate you could get in just 3 minutes.

I want to get a loan for:

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We’re Zopa

In 2005, we built the first ever peer-to-peer lending company to give people access to simpler, better-value loans and investments. Since then we've helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust.

We've approved over £5 billion in loans.

Why choose a Zopa home improvement loan?

Our home improvement loan rates are often among the lowest in the market
A fast, friendly personalised rate that won't affect your credit score
Apply online (no fiddly paperwork in the post)
We approve more than 300 loans each day to people with good credit history
It's easy to pay extra towards your home improvement loan
Our customer service is award-winning, so you know you’ll get a great service as standard when you need to get in touch

"I tried a few high street providers but couldn't get a loan at an acceptable rate, so did a search online and found Zopa. To get a loan from you Zopa could not have been simpler. The application was quick and simple and the service was great."
Louise

A fair deal as standard

With us, there are no catches or offers for new customers only. Our loans are built so that they're easy to understand and so we only win when you win.

Our story

What our customers think

We fight for your rights

We led the charge in seeking regulation for the peer-to-peer loans industry to make sure your needs are always put first. Today, it's regulated by the Financial Conduct Authority (FCA).

We’re happy when you’re happy

Trusted Loans Provider

Moneywise Customer Service Awards

Best Personal Loan Provider

British Bank Awards

Best Customer Service

Moneyfacts Consumer Awards

Best Personal Loans Provider

MoneySuperMarket Supers Awards

See more awards

"Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as little as 12 seconds. In a market where lending approval can take days, that’s an important advantage."

People often ask us

Yes you can.

There are a few conditions, and it has to have been at least 6 months since your last Zopa loan application.

How?

When you sign in, under 'My account' you can select the option to 'Borrow more'.

You should only borrow what you are able repay, and all Zopa loans are subject to our normal credit checks

Please remember that the total amount you can borrow is £35,000. This means if you have an outstanding balance of £5,000, you have up to £30,000 left to borrow.

Consolidating an existing loan?

Great. Simply tick the 'debt consolidation' box if you want to consolidate an existing loan. In the 'about you' section of the loan application you'll be given the option to consolidate your existing Zopa loan, and shown the amount. Don't forget to tick the 'final consolidation permission' box.

Please be aware that a settlement amount is automatically taken from your account when you take out a new loan with us. This means that the remaining balance of your loan, any fees as well as interest due are deducted from your new loan amount.

Yes, you can. To consolidate one or more existing Zopa loans.

First you'll need to log into your zopa.com account

Under 'My account' you can select the option to 'Borrow more'.

As with your original loan, the application will be subject to our normal credit checks and you can only borrow up to the maximum loan allowance out of £35,000.

For example: If you borrowed £5,000, you have up to £30,000 left to borrow.

Please be aware that a settlement amount is automatically taken from your account when you take out a new loan with us. This means that the remaining balance of your loan, any fees, as well as interest due are deducted from your new loan amount.

For example: If your remaining Zopa loan balance was £1,000 and you applied for a new £3,000 Zopa loan. Let's say your fees and interest amount to £20. The remaining balance of your original loan (£1,000), as well as any fees and interest payable (£20) will be deduced before you are credited with the remaining disbursal amount.

Using the above example, this would mean your loan disbursal amount is £1,980.

No, this is because your monthly repayment amount was calculated to repay your agreed loan amount over your agreed term. We can’t change this once your loan is up and running.

Make extra payments

Paying extra towards your loan is simple and we currently don’t charge a fee. Read our guide to making extra payments.

Change your repayment date

You can also easily change your repayment date if it isn’t working for you. Read our guide to changing your repayment date.

Yes, you can pay more towards your loan at any time. The easiest way to pay more is by using the Zopa app. Select your loan, then ‘Make an extra payment’ and follow the steps. We currently don't charge any fees for this.

Things to keep in mind

You'll still need to make your regular monthly repayment
Paying more will reduce your loan size, the amount of interest you pay and the cost of your monthly repayments but your loan term will stay the same.
You’ll need to pay at least £10.
If one of your regular repayments is going through, you’ll need to wait a few days until that’s cleared before making an extra repayment.
Once your payment's cleared, we'll send you an email confirming your new loan balance and any adjustments to your monthly repayments.