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

Great experience throughout.Great experience throughout. Easy to use app.
Matthew Dixon2 days ago
Great company.Great company. They gave a good interest rate and the app is excellent. No trouble accessing my balance and made it very simple to pay off my loan early. Highly recommended
Shane Chebseyabout 20 hours ago
been with them since march amazing…been with them since march amazing service and at the moment good interest rates for savers at 4.25% unfortunately mine was locked at 1.36% but hopefully next year i can lock in at a better rate ...all in all so far a good experience
mark willoughbyabout 22 hours ago
Best experience ever with a Bank.Spend money on credit card and within minutes received a confirmation email. Shows up on statement immediately too. Pay or withdraw into/from savings account, again instant update on statement. Absolutely fantastic! Progressive and contemporary, what's not to like?
William Swift1 day ago
Twice had a loan from Zopa and never…Twice had a loan from Zopa and never had a problem, anytime I had a question it was answered and dealt with quickly and efficiently. 5 stars all round.
Lara Thomson1 day ago
Car LosnGreat service from start to finish
Ali Busaidy1 day ago
The money was with me almost instantlyThe money was with me almost instantly. The app. provided was easy to use and payment terms were clear. wanted to settle early and this was also a straightforward transaction. Yes, i would recommend.
rob1 day ago
Amazing serviceAmazing service, 10 points aut of 10.I would highly recommend their services.
Pawel Gąszczak1 day ago
Fantastic company all around.Fantastic company all around.
Matt MSW1 day ago
Great service from start to finishGreat service from start to finish. Easy application, regular updates and competitive rates. Used them 3 times before and would go straight back if I wanted another loan.
Scooter1 day ago
Very quick transferring when I needed…Very quick transferring when I needed the money, amazing experience. Easy to keep on tabs with my loan online.
customer1 day ago
Zopa have mastered the art of making…Zopa have mastered the art of making applying for a loan really simple and quick. Don’t get me wrong, they are not giving money away irresponsibly. They keep a carefully check on you credit status and only lend what you can afford to repay and the interest rates are a bit higher than some banks (but nothing near the exorbitant rates charged by credit card companies). I would highly recommend their services
Mrs Joanne Stewart 2 days ago
Great experience throughout.Great experience throughout. Easy to use app.
Matthew Dixon2 days ago
Great company.Great company. They gave a good interest rate and the app is excellent. No trouble accessing my balance and made it very simple to pay off my loan early. Highly recommended
Shane Chebseyabout 20 hours ago

Based on 18991 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