Will applying affect my credit score?

When you apply for retail finance with us, we carry out two credit checks. A soft search and a hard search.

The soft search helps us check whether you’re eligible for Zopa retail finance. Only you can see it on your credit report, and it won’t affect your credit score.

If you're eligible and decide to go ahead, we'll carry out a hard search before you place your order. This leaves a record on your credit file that other lenders can see, which may affect your credit score.