Personal loan

See your personalised loan rates in just 3 minutes so you know exactly what you could get. Our rates are often among the lowest out there. Checking your rates won't affect your credit score.

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Average star score of 4.5 in trustpilot
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We're Zopa

At Zopa Bank, we’re combining our tech know-how with money expertise to make simple, fair and honest financial products that have the customer’s needs at their heart. 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.

Why choose Zopa?

See the rate you’ll actually get, with no impact to your credit score

Apply in a few minutes online – no forms or paperwork

If your loan’s approved, you’ll get the money within 2 hours

It's easy to pay extra towards your loan

Our customer service is award-winning, so you know you'll get a great service as standard when you need to get in touch

Award-winning loans

Following our win in 2023, Zopa won Best Personal Loan Provider at the British Bank Awards again in 2024! These awards are voted for by the people that matter most, our customers. We’re hugely proud of winning this award again, so thank you to everyone that voted for us. 

See our awards

What our customers think

A bank you can rely on

As a UK bank, we’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

People often ask us

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"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."

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