Why borrowers trust us

Regulated, recognised, and accountable.

+ FCA Authorised

+ Award-Winning Loans

+ No Broker, No Markup

Regulated at every step.

Recognized 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.a

No referral fees, no data-sharing with lead generators. The rate you receive is the rate we fund — audited, published, and consistent.

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Soft search only

Three minutes flat

Zero commitment needed

Checking your rate uses a soft credit search. Your score is not affected — now or ever at this stage.

See the number first, then decide. There is no obligation to proceed until you choose to accept.

Four fields and you have a real, personalized rate. No lengthy forms, no waiting on the phone.

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Three minutes. No mark on your file.

See your personalized rate right now. No commitment, no credit inquiry — just a straight answer on what you can borrow and at what cost.

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