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. In 2018 Zopa was awarded a banking licence to offer even more financial products - aiming to offer credit cards and a fixed savings deposit to customers in 2019.

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Gold ribbon: first place

Personal loans

Ranked 1st of 24 providers reviewed.

Customer happiness 74%
Customer trust 62%
Complaints performance 91%
Transparency rating 56%
Fairer Finance score
Reviewed Spring 2019

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