Welcome to Zopa Bank

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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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

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What our customers think

Really easy to get hold of no long…Really easy to get hold of no long phone call queues, fast replies to everything I was shocked but pleased would definitely recommend zopa
andrea3 days ago
Great company and easy to communicate…Great company and easy to communicate with.
Paul Gardnerabout 17 hours ago
Zopa..... 1st ClassThis is the 3rd loan I've taken out with zopa. They have always given me the best rate of interest. I've never had any problems and will use them again I'd recommend them to anyone 100%
Trevor about 19 hours ago
Zopa is a great zopa outstanding service company to deal withZopa is a great company to deal with, everything is explained in plain wording, service for applications is very quick, would recommend this comment to anyone.
Allan Couper1 day ago
Great company to use for car loansGreat company to use for car loans. Just paid off my second loan. Rates are competitive and app is very easy to use. Also very easy to obtain settlement figure and pay off loan using the app. Highly recommend Zopa!!
Stephen Smyth1 day ago
Hi this has to be one of the best loan…Hi this has to be one of the best loan company’s I have ever dealt with there app is brilliant easy to navigate around fast response I wanted to pay my loan off early I went on the app and within minutes all done will recommend to everyone who’s looking for a loan a first class company well done 👍
Mr russell mcgivern1 day ago
Can't fault ZopaUsed Zopa a few times and cannot fault it. Super quick responses, app is great, easy to understand and navigate and reasonable rates
Kevin Wyatt1 day ago
Zopa Great loan companyEasy to apply for, great company and good rates, would recommend zopa to anyone and friend and family,five star's ⭐.
Mr Trevor Partridge2 days ago
Helped me when i needed a new carHelped me when i needed a new car . Paid it off early aswell .. so happy days
BORIS 2 days ago
Great experience using zopaGreat experience using zopa. Quick and easy, no stress.
Emma Dewar 2 days ago
Great serviceGreat service. Interest rate was great 👍 Answered all my queries when I needed them to. No penalties for paying early:)). Even told how much I’d saved in interest Cheers 🍻
Les Eadie2 days ago
Absolutely amazing !Absolutely amazing !! Great customer service. very polite, respectful and understanding members of staff. Really good finance packages. All round perfect experience with this company. No complaints whatsoever!!!
Oliver3 days ago
Really easy to get hold of no long…Really easy to get hold of no long phone call queues, fast replies to everything I was shocked but pleased would definitely recommend zopa
andrea3 days ago
Great company and easy to communicate…Great company and easy to communicate with.
Paul Gardnerabout 17 hours ago

Based on 19665 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