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

Have used Zopa a few times nowHave used Zopa a few times now. Great rates and hassle free loans with quick response
Daniel Allegraabout 23 hours ago
ExcellentExcellent, hassle free service! Good rates, options to overpay too! Brilliant to take control on the go too.
Rachaelabout 12 hours ago
Great experience with ZopaVery easy to pay of extra money for my loan when available and Zopa recalculated very quickly. Also can see how much I have paid off since starting the loan. I would use Zopa again and very pleased with their service.
Shandchemabout 12 hours ago
Had two loans off Zopa both very quick…Had two loans off Zopa both very quick coming through. Customer services 10/10. Would highly recommend.
Steve Lindleyabout 15 hours ago
Excellent companyExcellent company, very efficient, so helpful, can’t fault them,
SUSAN HEMPSALLabout 18 hours ago
Excellent Customer ServiceSpeedy application process, very reasonable rates and excellent Customer Service. I would highly recommend.
Jane Louiseabout 20 hours ago
An entirely transparent experienceAn entirely transparent experience, extremely easy to tell where you stand at all times. Making extra payments/paying off the loan in full literally couldn't be any simpler. Will definitely look to Zopa for any further loans in the future.
Gary MacGregorabout 20 hours ago
Easy procedure to apply for loanEasy procedure to apply for loan, quarterly updates and a fair rate of interest. Would recommend to others.
Joanne Maliaabout 20 hours ago
Great service helpfulAlways use Zopa for the ease of use great service around best for credit solutions top rated
Brendon Bereznyckyjabout 21 hours ago
Great serviceGreat service
nicholasabout 22 hours ago
My credit rating was not brilliantMy credit rating was not brilliant, you believed in me when few others did and your interest rates were the most favourable - thank you. I have subsequently taken out another loan with you. Like the first loan, the service was excellent and the money was in my account within hours.
Stephen Greshamabout 22 hours ago
Excellent company to deal with..1st…Excellent company to deal with..1st class service as always
Markabout 22 hours ago
Have used Zopa a few times nowHave used Zopa a few times now. Great rates and hassle free loans with quick response
Daniel Allegraabout 23 hours ago
ExcellentExcellent, hassle free service! Good rates, options to overpay too! Brilliant to take control on the go too.
Rachaelabout 12 hours ago

Based on 17383 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