"Straight forward application process, very clear and easy to understand, no hidden costs, excellent customer service."
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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.
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Hello, we're Zopa
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
British Bank Awards
British Bank Awards 2023
Zopa Bank has been named the British Bank Awards’ Best Personal Loan Provider for the sixth time. 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
What we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
Zopa’s 2025 Fintech Pledge announces financial education programme
We’re proud to announce the 2025 Fintech Pledge (pledge2025.org), an industry scheme led by Zopa, has partnered with The Money Charity to launch financial education for those hit the hardest by the cost-of-living crisis.
Zopa acquires DivideBuy in 2023 embedded finance push
We are thrilled to share that we are set to acquire DivideBuy’s point-of-sale (POS) finance technology and lending platform.
"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."