About us

We’re Zopa, and we want to make money work better for you.

Our diverse team is united in their mission of creating simple, fair and honest financial products that have the customer’s needs at their heart. We’re proud that this dedication is reflected in our excellent rating on TrustPilot.

We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future.

We’re not the new kids on the block though - we’ve been a pioneering force in finance for 16 years. In 2005, we built the first ever peer-to-peer (P2P) lending company, giving our customers access to loans built for real-life and intelligent investments backed by cutting-edge tech. In 2020, we launched Zopa Bank, meaning we could offer more – like fixed term savings backed by FSCS protection and a credit card to help customers take control of their finances.

We’ve lent out over £6 billion and are proud to have made money work better for over half a million people across the UK, whether they were looking to borrow or save.

You get a fair deal as standard. At Zopa there are no catches like offers only for new customers. Our products are built so that we win when you win.
Managing your money is no sweat. With handy tools to help you get stuff done and helpful people to talk to when you need to. Easy.
We go beyond 'good enough'. We listen to what our customers want and change with their needs. We are built so we can evolve easily and use the latest tech to give you a great experience.

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."
The Times

We're regulated by these authorities

Financial Conduct Authority

Zopa is regulated by the FCA. The FCA takes responsibility for regulating the conduct of financial services firms and markets.

Prudential Regulation Authority

We are also authorised and regulated by the Prudential Regulation Authority (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

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