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.

In 2017 Zopa became fully regulated by the Financial Conduct Authority so it could offer more financial products - aiming to offer bank accounts to customers in 2018.

Gold ribbon: first place

Personal loans

Ranked 1st of 25 providers reviewed.

Customer happiness 77%
Customer trust 67%
Complaints performance 88%
Transparency rating 53%
Fairer Finance score
Reviewed Spring 2018

We don't currently rate Zopa in our Product Ratings.