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 * LOANS

 * Personal loan


 * CREDIT CARDS

 * Credit card


 * CAR FINANCE

 * Compare car finance
 * Hire purchase (HP)
 * Personal contract purchase (PCP)
 * Car loan


 * TOOLS

 * Borrowing Power




SAVE

 * Smart Savings Hub
 * Smart Saver
 * Smart ISA
 * Fixed Term Savings




ABOUT

 * About Zopa
 * Our story
 * Our board
 * Our leadership team
 * Fintech Pledge 2025
 * Awards
 * Blog
 * Careers
 * Press office




PARTNERSHIPS

 * Consumer finance
 * Embedded lending
 * Retail finance


 * Skip to navigation
 * Skip to main content

Zopa Logo
 * Borrow
 * Save
 * About
 * Help
 * Partnerships
 * Sign in


WELCOME TO


ZOPA BANK

Car finance options to get you moving

Compare

Loans that are simple and stress-free

See your rates

A credit card built to put you in control

Let's go

Smart Saver for flexible savings pots

Start saving

"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




FEATURED IN

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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


WHAT OUR CUSTOMERS THINK

Previous Slide
Zopa are a friendly and professional…

Zopa are a friendly and professional organization. If I have any problems with
payment they are very understanding, I would not hesitate to recommend Them.

Patricia Hague

19 hours ago

Zopa loans was very easily to apply…

Zopa loans was very easily to apply for, within 2 minutes the money was in the
bank.

Phil Harris

19 hours ago

Easy fast and hassle free

Easy fast and hassle free

Tim Drayton

19 hours ago

Been using zopa for loans for a while…

Been using zopa for loans for a while and the customer service is great and the
ease of sorting a loan but also making payments or early repayments is so easy.
Highly recommend this company

Tom Jones

15 hours ago

You are more than just your credit score at Zopa

Zopa has given me credit that is helping my credit score rise even further. I am
delighted and thankful for this. Thanks Zopa.

PJ Harley

18 hours ago

Really helpful and a quick result

Really helpful and a quick result

Rita Rose

19 hours ago

Zopa are a friendly and professional…

Zopa are a friendly and professional organization. If I have any problems with
payment they are very understanding, I would not hesitate to recommend Them.

Patricia Hague

19 hours ago

Zopa loans was very easily to apply…

Zopa loans was very easily to apply for, within 2 minutes the money was in the
bank.

Phil Harris

19 hours ago

Easy fast and hassle free

Easy fast and hassle free

Tim Drayton

19 hours ago

Been using zopa for loans for a while…

Been using zopa for loans for a while and the customer service is great and the
ease of sorting a loan but also making payments or early repayments is so easy.
Highly recommend this company

Tom Jones

15 hours ago

You are more than just your credit score at Zopa

Zopa has given me credit that is helping my credit score rise even further. I am
delighted and thankful for this. Thanks Zopa.

PJ Harley

18 hours ago

Really helpful and a quick result

Really helpful and a quick result

Rita Rose

19 hours ago

Zopa are a friendly and professional…

Zopa are a friendly and professional organization. If I have any problems with
payment they are very understanding, I would not hesitate to recommend Them.

Patricia Hague

19 hours ago

Zopa loans was very easily to apply…

Zopa loans was very easily to apply for, within 2 minutes the money was in the
bank.

Phil Harris

19 hours ago

Easy fast and hassle free

Easy fast and hassle free

Tim Drayton

19 hours ago

Next Slide

Based on 22544 reviews

Read more reviews


BRITISH BANK AWARDS

British Bank Awards 2023

Zopa Bank has been named the British Bank Awards’ Best Personal Loan Provider
for the sixth time. 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


WHAT WE’VE BEEN UP TO

Intel, updates, company news and beyond, the Zopa blog has the latest.


ZOPA’S 2025 FINTECH PLEDGE ANNOUNCES FINANCIAL EDUCATION PROGRAMME

We’re proud to announce the 2025 Fintech Pledge (pledge2025.org), an industry
scheme led by Zopa, has partnered with The Money Charity to launch financial
education for those hit the hardest by the cost-of-living crisis.

Zopa BloggerinNewsroom
10 months • 28th Feb 2023


ZOPA ACQUIRES DIVIDEBUY IN 2023 EMBEDDED FINANCE PUSH

We are thrilled to share that we are set to acquire DivideBuy’s point-of-sale
(POS) finance technology and lending platform.

Zopa BloggerinNewsroom
11 months • 17th Feb 2023


ZOPA RAISES £75 MILLION

Today we’re proud to announce we have raised £75 million ($93m) to drive our
next phase of growth, supporting our vision to become Britain’s best bank.

Zopa BloggerinNewsroom
11 months • 2nd Feb 2023
More from the blog

> "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."

WHAT WE DO

 * Car finance
 * Hire purchase (HP)
 * Personal contract purchase (PCP)
 * Car loans
 * Debt consolidation loans
 * Home improvement loans
 * Wedding loans
 * Credit cards
 * Smart Saver
 * Fixed Term Savings

ABOUT ZOPA

 * About us
 * Our story
 * Meet the board
 * Meet the leadership team
 * Fintech Pledge 2025
 * Annual Reports and Pillar 3
 * Awards
 * Careers
 * Blog
 * Complaints
 * Press office
 * Peer-to-peer investments

LEGAL

 * Privacy notice
 * Cookie policy
 * Conflicts policy
 * Modern slavery
 * Terms of use
 * Investor principles
 * Remuneration

NAVIGATION

 * Help
 * Sitemap

Zopa Logo


Zopa Bank Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority, and entered on the Financial Services Register (800542). Zopa Bank
Limited (10627575) is incorporated in England & Wales and has its registered
office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG.

© Zopa Bank Limited 2024 All rights reserved. 'Zopa' is a trademark of Zopa Bank
Limited.

Zopa is a member of Cifas – the UK’s leading anti-fraud association, and we are
registered with the Office of the Information Commissioner (ZA275984).







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