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

I've now had a few loans with ZopaI've now had a few loans with Zopa. Very low interest rates and the whole experience is very smooth throughout.
colin campbell1 day ago
Easy to sort loanEasy to use and sort out a loan with Zopa, all the info you need in the app and easy to use , will recommend to all friends
Jane Shuttleworthabout 1 hour ago
No complaintsGreat company. Easy to work with and sensible rather than beaurocratic
Joseph from Morecambeabout 2 hours ago
Was a great experience all round from…Was a great experience all round from taking out the loan to beating able to settle early they made it all so easy Iv had numerous loans over the years and would definitely say Zopa was the easiest all round only gripe would be interest rate but that was good aswell In all honesty
Danielabout 8 hours ago
Extremely easy to set up and fast…Extremely easy to set up and fast payment into account. Lowest apr out there at the time. Great communication throughout loan period. Great features on personnel log in page where you can see clearly all options available to you.
Paul J Chattingtonabout 15 hours ago
I have had 2 loans off zopa both have…I have had 2 loans off zopa both have been a good experience easy to repay early if won't will use when need again but ye great all round service well done
wayne vaughanabout 19 hours ago
Smart Saver worked fine for meThere's some negative reviews for their Smart Saver product. To provide some balance I opened one yesterday with minimal hassle and have made a couple of smal test deposits and a withdrawal. All worked fine.
R CUJabout 20 hours ago
Great company highly…Great company highly recommended!!!!!!!!!!!!
jon waldronabout 21 hours ago
Great and quickly service.Great and quickly service. Funds in 2 hours. Easy application.
Juris Antonenkoabout 24 hours ago
Great rate and easy to use appGreat rate. App is brilliant and easy to use. You can see the amount owed andamount paid off and it calculates your early pay off figure instantly.
Adam Houldershaw1 day ago
Super simpleSuper simple, easy to understand and the process was just what you need when dealing with finance. Would recommend to anyone.
Kirsty Robinson1 day ago
Highly recommend.Highly recommend.
Ian1 day ago
I've now had a few loans with ZopaI've now had a few loans with Zopa. Very low interest rates and the whole experience is very smooth throughout.
colin campbell1 day ago
Easy to sort loanEasy to use and sort out a loan with Zopa, all the info you need in the app and easy to use , will recommend to all friends
Jane Shuttleworthabout 1 hour ago

Based on 18487 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