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Say hello to a new kind of credit card

Get real control for your spending

Representative APR 34.9%

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

Personal loans from £1,000 to £25,000.See your rates

Investments & ISAs

Invest in personal loans with peer-to-peer lending.Invest with Zopa

Credit Card

Get the card that puts you in control.Let's go

Fixed Term Savings

A safe and simple way to grow your money.Save with Zopa

Get Zopa on the go

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

Check your credit score and how to borrow at your best rate with Borrowing Power. Representative 17% APR

See your existing Zopa loans and investments 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

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Very efficient company
cath Cook
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I have had 2 loans
Mike Healey
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Excellent service
Sheelagh Taylor
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Simple application
Bev Philpotts
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Based on 14967 reviews

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British Bank Awards

Best Personal Loan Provider

For the fourth year in a row, Zopa has been named the British Bank Awards’ Best Personal Loan Provider. We were also highly commended in the Best Alternative Finance Product category. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers and their genuine opinions. We’re hugely proud of winning this award again, so thank you to everyone that voted for us!

See our awards

What we’ve been up to

Intel, updates, company news and beyond, the Zopa blog has the latest.

How to stay safe from credit card fraud – spending safely online

Let’s face it, for the next few months a lot of our spending is going to be online, so it…

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How to stay safe from credit card fraud – the admin

Being aware of credit card fraud when you’re out spending is important, but there are also lots of things you…

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How to stay safe from credit card fraud – spending out and about

Knowing how to look out for your credit card – and your identity – should be high on your to-do…

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"Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as little as 12 seconds. In a market where lending approval can take days, that’s an important advantage."

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