How can I compare the benefits and risks?

Read the pre-contract information and credit agreement before accepting an offer. Compare the monthly payment, repayment period, interest rate and total amount repayable with paying upfront or using another lender. Borrowing more than you can afford or missing payments may affect your credit record and ability to obtain credit. EPC Improvements does not provide financial advice; contact Zopa about the finance product or seek independent advice if needed.