Spread the cost with Zopa

Zopa credit is available on orders from £300 to £12,500. Interest-free credit is available over 6 months on orders under £3,000, or over 12 months on orders under £6,000. Interest-bearing credit is available over 18 to 48 months at 9.9% APR representative. Credit offered is set by the retailer.

• Applicants must be aged 18 or over
• Be a UK resident with at least 2 years of UK address history
• Be able to comfortably afford the loan repayments
• Have a valid UK debit card
• Have a valid UK mobile number
• Have a valid email address

Yes. When you apply, Zopa first runs a quick eligibility check as the opening step of the application at checkout. This is a soft search and does not affect your credit file. A full credit check, which does leave a record, is only performed if you go on to complete the application. There is no separate eligibility checker to visit beforehand: select Zopa at checkout and the quick check is the first thing that happens.

Payment is collected via a Continuous Payment Authority (CPA). This method uses your debit card’s long card number, expiry date and three digit CV2. Payments will be collected automatically on the date your instalment is due.

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.

We're sorry that your application has been declined. The credit decision is Zopa's and Zopa is not permitted to share application information with us. You have the right to appeal the decision, although there is no guarantee the outcome will change: contact Zopa at customerservice@retailfinance.zopa.com, who may ask for additional information to support your appeal. You may also want to obtain a copy of your credit file before making further applications. The credit reference agency used for Zopa Bank applications is TransUnion International Limited, One Park Lane, Leeds, West Yorkshire LS3 1EP (transunion.co.uk). More about how credit referencing works is in Zopa's privacy notice at zopa.com/privacy-policy.

There are no hidden charges. With interest-free credit you pay exactly the cash price of your building, split into equal instalments. Where an interest-bearing credit product is selected, a fixed interest rate applies at 9.9% APR representative. The exact cost of your credit, including a representative example, is shown at checkout in the documentation you review before electronically signing. We reserve the right to add late payment fees to your account in the event of missed payments, as explained in your credit agreement.

To manage your account and make payments, log in at accounts.retailfinance.zopa.com.

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

To guard against fraudulent applications, orders paid for with Zopa credit can only be delivered to your home address. If you need delivery elsewhere after your order is placed, see the question below.

Zopa will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply. To have goods delivered to another address, once you have placed your order and paid a first instalment, you need to contact Zopa directly who will then notify us of the changes.