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Find answers to our most frequently asked questions.

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  • Top FAQs
  • I already have a Zopa loan.
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I’m considering a Zopa loan

  • 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?
  • Why is there a Zopa soft search on my credit file when I haven’t applied for a loan or credit card with you?
  • Do I have to send anything by post?
  • Does Zopa offer joint loans?
  • When will I hear if I’ve been approved?

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Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG.

© Zopa Bank Limited 2025 All rights reserved. 'Zopa' is a trademark of Zopa Bank Limited.

Zopa is a member of Cifas – the UK’s leading anti-fraud association, and we are registered with the Office of the Information Commissioner (ZA275984).