Welcome to FeelGood Money^®

Loans that are simple and stress-freeSee your rates

A credit card built to put you in controlLet's go

Smart Saver for flexible savings potsStart saving

Fixed Term Savings with 1 - 5 year termsSave with Zopa

"Straight forward application process, very clear and easy to understand, no hidden costs, excellent customer service."

Get Zopa on the go

We’ve built an app to help make managing your money stress-free. Keep on top of your loan, credit card or savings, know your credit score and more.

Check your credit score and how to borrow at your best rate with Borrowing Power.

See your Zopa loan, credit card or savings instantly, with Touch ID and Face ID

Apply for a Zopa loan in minutes with no fees or paperwork

Speak to helpful humans on live chat

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The FeelGood Money^® company

When we started in 2005 our ambition was to create better solutions for everybody’s money needs. Since then we’ve helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust.

We give our customers a fair deal as standard and our products are built so that we win when you win. Managing your money is no sweat. With handy tools to get stuff done and helpful people always at the end of a phone. We listen to what you want and change with your needs.

Learn more about us

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What our customers think

Very good experienceVery good experience
Dr Hanlon2 days ago
ZOPA BRILLIANTThis is my third loan and zopa have being brilliant all the way through and would recommend them to anyone who need a loan.
richard labout 11 hours ago
An excellent organisationAn excellent organisation to do business with, very quick and easy to complete.
Chrisabout 16 hours ago
Unbelievably easy to useUnbelievably easy to use. Couldn’t believe the money hit the account within 20 seconds. Not that we needed it that quickly. Excellent finance provider. Many thanks
Jw2413about 17 hours ago
Very easy to deal withVery easy to deal with, great app that helps you keep in control of everything. Would use again
daniel Rojas Alvarezabout 20 hours ago
2nd loan I’ve had2nd loan I’ve had, repaid them both early, easy to deal with, highly recommended
R Labout 21 hours ago
First class in terms of speed and quality of service.It was a pretty straightforward process in acquiring the loan, and once I was approved the money was in my account within minutes. All of this was done online, which suits me (and many others, I'm sure) perfectly in this day and age. I paid it off early and there were no fees for doing so. I would definitely recommend them to anyone and would not hesitate to take a loan from Zopa again if I needed to.
Mr Mark Griffithsabout 21 hours ago
Cannot fault this app based bankCannot fault this app based bank, easy to use app, interest rate increases passed on quickly to you, not like the other banks, best rates out there, 1.81 instant access. Keep you updated with tex and email when your transactions have gone though. Zopa over atom bank anytime.
paul lambertabout 22 hours ago
First classFirst class. Easy to apply fast Answer, Cash with in hours of applying. What more can you ask for
Mark P 1 day ago
Excellent serviceExcellent service
Ian1 day ago
So Quick and easy to get a loanSo Quick and easy to get a loan from Zopa, 3rd time when I use them and never let me down . Nice work guys Thank you
Truta Dragos1 day ago
Used Zopa a few times always good rate…Used Zopa a few times always good rate and easy to apply and pay early
darran hynes2 days ago
Very good experienceVery good experience
Dr Hanlon2 days ago
ZOPA BRILLIANTThis is my third loan and zopa have being brilliant all the way through and would recommend them to anyone who need a loan.
richard labout 11 hours ago

Based on 18089 reviews

British Bank Awards

British Bank Awards 2021

For the fifth year in a row, Zopa has been named the British Bank Awards’ Best Personal Loan Provider. And, for the very first time, we were recognised as Best Credit Card Provider. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers. We’re hugely proud of winning these awards, so thank you to everyone that voted for us!

See our awards