The FeelGood Money® company
In 2005 we built the first ever peer-to-peer (P2P) lending company to give people access to simpler, better-value loans and investments. 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. In 2020, we started a new chapter in our journey, officially launching Zopa Bank alongside our P2P business. The reason for doing this was simple: to provide even more ways to empower our customers to FeelGood about money.
Both our bank and P2P business are inspired by our customers’ real-life stories. Your stories fuel our mission to help people FeelGood about money. To make money fairer – for everyone. To make managing money easy. And to make a real difference when the unexpected happens. This is what we stand for.
We’re on a mission to make money Feel Good, with products designed to do Real Good.
"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."
We’re regulated by these authorities
Financial Conduct Authority
In 2014 consumer credit organisations – including p2p – began to be regulated by the FCA (previously we were regulated by the Office of Fair Trading). We welcomed this as Zopa, along with Ratesetter and Funding Circle, had lobbied the government for more regulation in our sector to help protect consumers. Since December 2018, we’re also regulated by the FCA as a bank.
Prudential Regulation Authority
We also adhere to the requirements set by the PRA, one of the successors of the Financial Services Authority (FSA). It's operated by the Bank of England and is designed to ensure the stability of UK financial system.
The ride so far…
The ride so far… From starting the peer-to-peer industry in 2005 to becoming The FeelGood Money Company® – here's our story.Our story
What our customers think
Just great service
Great loan provider
Quick n' Easy
This is my 3rd loan with this company…
Based on 15398 reviewsRead more reviews
Zopa, the world’s oldest peer-to-peer lender, has moved a step closer to competing with established retail banks on their home turf.
We’re happy when you’re happy
UK Finance member
Best Personal Loan Provider
4.8 / 5 out of 15,398 reviews
Most Trusted P2P Platform
Best customer service 2018
What we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
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