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We turn money on its head so it works better for you

Loans that are simple and stress-freeSee your rates
A credit card that puts you firstFind out more
Savings accounts that are safe & simpleSave with Zopa
Car finance to get you movingSee your rates
"Straight forward application process, very clear and easy to understand, no hidden costs, excellent customer service."
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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.

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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Can’t fault them so far…
Annon
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Excellent interest rate
K A Paton
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5 Star service. Great job!
Mike
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First class for loans
Jeffrey Rogers
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Based on 15922 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.

A six-person, plant-based BBQ feast for under £25

Vegan BBQ recipes on a budget.

A homemade Korean BBQ for 5 for under £25

An on-budget recipe for an at-home Korean BBQ

Family-friendly BBQ recipes on a £15 budget

Family-friendly BBQ recipes on a budget

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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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