Zopa was founded in 2005 as a peer-to-peer lending company.

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.

Their headquarters are based in London, UK, and they have an office in Barcelona.

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Gold ribbon: first place

Personal loans

Ranked 3rd of 29 providers reviewed.

Customer happiness 65%
Customer trust 51%
Complaints performance 88%
Transparency rating 57%
Fairer Finance score
Reviewed Autumn 2019

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