Zopa Retail Finance
Finance Options
Zopa Retail Finance
Pay 0% APR over 6 or 12 months, or spread a larger order, such as a rack, rig or full gym package, over up to 36 months. Choose Zopa at checkout and apply in under 2 minutes.
How It Works
Choose Zopa Retail Finance at checkout, pick a term from 6 to 36 months and apply in under 2 minutes.
Add to basket
Choose your equipment and go to checkout.
Choose Zopa
Select Zopa Retail Finance and pick a plan.
Apply
Complete the application in under 2 minutes.
Sign and buy
Sign your agreement online and your order is placed.
Eligibility & Costs
Who can use it
- Aged 18 or over
- A UK resident with at least 2 years of address history
- Able to afford the repayments
- A valid UK debit card and UK mobile number
- Your billing address must match your delivery address and card address
Good to know
| Term | Interest |
|---|---|
| 6 or 12 months | 0% APR |
| 18, 24 or 36 months | Fixed rate, shown before you apply |
Your monthly payment, interest and total amount payable are shown before you apply.
Zopa runs a soft search to check you're eligible, which doesn't affect your credit score. A hard search is carried out just before your order is placed; this leaves a footprint on your credit file.
Returns & Refunds
Orders paid with finance follow our standard 28-day returns policy. Once we've received and checked your return, we let the provider know and they refund or cancel the payments due. Keep making any scheduled payments until the provider confirms the refund.
FAQs
How are my repayments collected?
Zopa takes your monthly payments from the debit card you provide, using a continuous payment authority. Keep the card details on your Zopa account up to date.
Can I pay off my agreement early?
Yes. Interest-free agreements can be paid off at any time from your online account. For interest-bearing agreements, request a settlement quote from Zopa. You also have 14 days after signing to withdraw from the agreement without giving a reason.
Why can't I complete my application?
The most common reason is an address mismatch: your billing address must match your delivery address and the address on your card. If you've had a Zopa agreement before, try applying with your existing details.
What if my application is declined?
Applications are assessed automatically against Zopa's lending criteria, and decisions can't be reviewed manually. You can still pay by card, PayPal or one of our other finance options.
Can I change my delivery address?
Zopa needs proof of the new address before it can be changed. Contact Zopa's customer services at [email protected], then let our team know.
Who do I contact about my Zopa agreement?
Zopa's customer services team is available by live chat or at [email protected], Monday to Friday 8am–6pm and Saturday 8am–4:30pm.
Zopa Retail Finance is provided by Zopa Bank Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register 800542). Zopa Bank Limited (10627575), Level 12, 20 Water Street, Canary Wharf, London E14 5GX. Credit subject to status.
Finance is provided by the third-party lenders named on this page, subject to status, affordability checks and their terms and conditions. UK residents aged 18 or over only.
Indoor Sport Services Limited, trading as Again Faster, is authorised and regulated by the Financial Conduct Authority (FRN 732587). We act as a credit broker, not a lender, and work with a limited number of lenders. We may receive commission from the lenders we introduce you to.