Zopa is the world’s oldest and Europe’s largest peer to peer lender, and it has operated in the UK since 2004.
Zopa helps savers get a better rate of interest by lending their money out direct to individuals, who in turn get to borrow at a cheaper rate than they might find elsewhere, and is the foremost of a new breed of innovative lenders challenging the traditional banks.
Its customers love it, rewarding it with happiness and trust scores that are off the scale. This may in part be due to its fantastic record on handling complaints. It also achieves an above average transparency score, which combines with the other scores to secure Zopa not just a Gold Fairer Finance Ribbon but also first place in our tables.