Zopa Bank operates entirely online, allowing customers to apply for loans and open savings accounts through its website or mobile app. The bank uses innovative technology and data analysis to provide personalized loan offers and competitive interest rates.For personal loans, customers can borrow between £1,000 and £25,000, with repayment terms ranging from one to five years. Zopa Bank offers fixed interest rates, meaning customers will have a consistent monthly repayment amount throughout the loan term.Car loans are also available, allowing customers to finance the purchase of a new or used vehicle. Zopa Bank offers competitive rates and flexible repayment terms for car loans.In addition to loans, Zopa Bank provides credit cards with competitive interest rates and no annual fees. Customers can manage their credit card accounts online and access features such as balance transfers and cashback rewards.Zopa Bank also offers savings accounts with competitive interest rates. Customers can open an account with as little as £1 and have the flexibility to make withdrawals or deposits at any time.As a fully licensed bank, Zopa Bank is regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). This ensures that customer funds are protected and that the bank operates in a safe and secure manner.Overall, Zopa Bank aims to provide customers with a seamless and convenient banking experience, offering a range of financial products designed to meet their needs.

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