The whole process was very easy. They offer competitive rates and give quick decisions. On completion money paid directly into my bank. Their app is vey easy to use and layout is great allowing yo... See more
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Zopa is excellent. Their process is very quick and very clear. Once you have the loan, the web interface is incredibly easy to use and informative (I've had loan companies where you take out a loan, t... See more
Zopa had been very good to us, we had car finance with them, as well as personal loan. Super fast decision and instant credit, competetive rates and reasonable early settlement fees. Will defo use the... See more
5 star for every single step of the service. Excellent, efficient, quick and hassle free loan approval path and subsequent repayment. Lovely communication on email and app for me. Have nothing but p... See more
Company details
About Zopa
Written by the company
Welcome to Zopa – better banking all round.
We combine the trust and stability of a high street bank with the speed and simplicity of app-based banking. The result? More value, less hassle – every step of the way.
Since 2005, over 1.6 million people across the UK have chosen Zopa to help them save, borrow and spend with confidence. And it’s no surprise why, with:
- Quick and easy applications from your mobile
- Competitive rates across credit cards, loans and savings
- Everything you need to manage your money at your fingertips
- No hidden fees – just clear, transparent products
In 2025, we launched Biscuit – our bank account that rewards your everyday money moves. With interest on your balance, cashback on bills and exclusive savings rates, it’s designed to make your money go further.
Whether you're saving, borrowing or spending – Zopa’s here to help you do it better.
Got feedback? We'd love to hear it – it helps us make Zopa even better.
Zopa
Written by the company
- Zopa is a pioneering digital bank. Since 2005 we've approved over £5 billion in loans and helped over half a million people get the most out of their money. We take the stress out of money by building our business on honesty, transparency and trust. We give our customers a fair deal as standard. Even better – we make managing your money no sweat with our handy tools and helpful humans at the end of the phone.
Contact info
Level 12, 20 Water Street, Canary Wharf, E14 5GX, LONDON, United Kingdom
- zopa.com
4.6
Excellent
38K reviews
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Excellent service from Zopa
A good straight forward process when applying for a loan etc, everything easily control in the Zopa app, great rates depending on your credit history, I'm a long term customer & I'm more than happy with the years of service I have received
September 4, 2026
Unprompted review
So easy and really fast
So easy to do online especially if you’ve got the app, I had two loans from Zopa and both of them are easy to track.
You get offers every now and then, I’ve just this minute had a lower rate offer so I’ve taken a loan that’s just enough to pay off one of the two I have, this makes the payment £5 P/M less and paid off 3 months sooner.. thanks Zopa
September 4, 2026
Unprompted review
Zopa not releasing my money
I had a fixed term ISA which ended in August and I completed form to transfer it to another bank with higher interest rate.Zopa blocked the transfer stating ERROR but not what that was.I rang them and was told I should have ticked partial transfer.I repeated the process doing this but still got blocked stating error.
I rang again and was told that was wrong and there was a problem with the app. I asked the agent why I hadnt been told this initially and to be informed of when I can do the transfer.He said he would raise a complaint .
No one has contacted me ,I dont know when I can transfer my money and my money is being kept by Zopa at 3,25% interest when I could be earning 4.72 elsewhere.
So I wouldnt recommend Zopa to anyone and will not be using them again myself.
August 15, 2026
Unprompted review
Simple application
Simple application, quick check of your details and financial information, id check and a chat facility is available. Great service, highly recommend.
September 4, 2026
Unprompted review
Easy to use and had the money in…
Easy to use and had the money in minutes. Highly recommend!
September 4, 2026
Unprompted review
Very easy and straightforward with very…
Very easy and straightforward with very little hassle!
September 4, 2026
Unprompted review
The app itself is very straightforward
The app itself is very straightforward. Easy to navigate. User friendly. I recently had my card not working and ordered a replacement through the app got the physical card in 3 days and was still able to use my wallet card for purchases which was great. Highly recommend!!!
September 1, 2026
Unprompted review
Excellent company, especially for credit building
Excellent company, especially for credit rating rebuilding. They gave me a card with an initial credit limit, even though my credit rating was not good at that time and traditional companies such as Barclaycard or my bank refused me, then raised the limit after a few months of paying it off (or paying a large chunk off) of the card each month. They then later offered me a loan at competitive rates a few months later. The app is super easy to use and shows all the products you have active with them in one place. 10/10
September 4, 2026
Unprompted review
5 star rating no bother from this…
5 star rating no bother from this company lend and pay back what thay say no extra charges very polite team would 100% recommend this company im many way bank loan credit card everything on one place impressive 😀
September 4, 2026
Unprompted review
Easy to apply
Easy to apply. Fast decision and money straight into bank
August 26, 2026
Unprompted review
Absolutely first class company ,would…
Absolutely first class company ,would highly recommend Zopa to anyone looking a credit card,loan etc customer service second to none.
September 4, 2026
Unprompted review
Brilliant company just a bit slow on…
Brilliant company just a bit slow on credit increases
September 2, 2026
Unprompted review
A very straightforward system
A very straightforward system, helpful team when needed to answer queries. Just an overall supportive and dignified way of doing business. Would highly recommend ZOPA.
September 4, 2026
Unprompted review
Very pleased with service and…
Very pleased with service and communication with customer is excellent.
September 4, 2026
Unprompted review
Great company applied and money was in…
Great company applied and money was in my bank within 15 mins got a great rate everything was very easy from filling out a few forms setting up the direct debit would highly recommend this company to any one looking for financial help
September 4, 2026
Unprompted review
Easy process
Easy process. Money in account within 30 seconds after approval and affordability check. So easy.
September 1, 2026
Unprompted review
Very efficient and easy service
Very efficient and easy service
Received good amount and also
Given reasonable amount to settle loan early. Highly recommended.
September 2, 2026
Unprompted review
Quick and fast payment into my account…
Quick and fast payment into my account , Easy to apply for and pretty decent rates ( apr)
September 2, 2026
Unprompted review
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