We know this can be a concern for many people.
The good news is that in most cases, if we can't offer you a loan, we will tell you at the "get your personalised rates" stage. At this point you've only had a soft credit search (which doesn't affect your credit score) and it's only taken 3 minutes of your time to find out.
Of the people we can offer personalised rates, who then decide to apply (which involves a full credit search), we approve 9 in 10 loans. We're working hard to improve that number.
Please keep in mind, if we can't offer you a loan at either of these stages, you would need to wait 6 months before you can reapply with Zopa.