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

A***Excellent to use! They came to my attention via CreditKarma who recommended then as a loan company, the application was simple and straightforward, jargon was explained and the app was brilliant for monitoring my payment schedule. I will definitely use you again if I need to take a loan out! Thank you!
Jo M1 day ago
Loans made easy ..app is easy to…Loans made easy ..app is easy to navigate and use
matthew holmesabout 10 hours ago
Quick transferQuick transfer, good communication
Jennifer Feneleyabout 13 hours ago
Easy to manage, low interest rate loansI've had 2 separate loans with Zopa, both have been easy to arrange and manage, with low interest rates. Would use them again if I needed a loan. Highly recommended.
Frustrated Customer about 13 hours ago
Very happy with this service!Very happy with this service from start to finish!
Marty Stalkerabout 14 hours ago
ZOPA is well worth itQuick responses all done online so not subject to human (lack of knowledge) error. Paid off my loan early without hassle. Online transactions updated promptly within working hours.
BENEDICTA ODIMAYOabout 15 hours ago
Never had any problem getting loans and…Never had any problem getting loans and it straight forward to apply online. All the members of the team were excellent in dealing my cases. They all are very very helpful and supportive at all times. I would have no hesitation to recommend my friends and families to apply for any loans from ZOPA. Thanks again for all the your help. BIG thank you to all the team members at Zopa.👍🏻👍🏻❤️❤️
Mahbube Karimabout 15 hours ago
Very easy and friendly company to deal…Very easy and friendly company to deal with. A very happy customer 😊
Mr Brian Yatesabout 21 hours ago
A fantastic user friendly and efficient…A fantastic user friendly and efficient service received . Will definitely use again
Mrs kangabout 22 hours ago
Professional and HelpfulThe company were kind and supportive throughout the loan. Easy to use site. Thank you Zopa.
John Lightowler1 day ago
Really quick and easyReally quick and easy. Was accepted for a loan of £4000+ straight away, when I was rejected by other companies. Paid back early which again was stress free and easy. Interest rate okay, not the highest I've seen, not the lowest. Would definitely use again due to the ease and efficiency.
owen lash1 day ago
Great websiteGreat website, easy and clear with no confusion about where you stand.
Callum1 day ago
A***Excellent to use! They came to my attention via CreditKarma who recommended then as a loan company, the application was simple and straightforward, jargon was explained and the app was brilliant for monitoring my payment schedule. I will definitely use you again if I need to take a loan out! Thank you!
Jo M1 day ago
Loans made easy ..app is easy to…Loans made easy ..app is easy to navigate and use
matthew holmesabout 10 hours ago