— FCA-Authorised Lender
The price you see is the price you pay.
Zopa is a regulated bank — not a broker, not a middleman. Every rate we quote is yours to keep, with no hidden margin and no credit-score cost to check.
Lending without the gatekeeping.
Traditional lenders built opacity into the process — rates that shift at the last moment, inquiries that ding your score just for looking. Zopa was built to end that. One straightforward check, one honest number.
We don't pass your data to brokers or upsell you at every turn. You get a direct answer in three minutes, and your credit file stays exactly where it started.
Regulated, recognised, and accountable.
Regulated at every step.
Recognised for honest pricing.
Direct lender. Full stop.
Zopa Bank Limited is authorised and regulated by the Financial Conduct Authority. Your application is handled under UK consumer credit rules — not passed to a third party.
Zopa has received multiple industry awards for personal loan transparency and customer satisfaction — independently judged, not self-declared.
No referral fees, no data-sharing with lead generators. The rate you receive is the rate we fund — audited, published, and consistent.
Three minutes. No mark on your file.
See your personalised rate right now. No commitment, no credit inquiry — just a straight answer on what you can borrow and at what cost.