About Zopa

Zopa is the UK's leading peer-to-peer lending service. We reward people who are good with their money by providing low rate loans and high interest returns.

Since Zopa was founded in 2005 we've helped people lend more than £1.09 billion in peer-to-peer loans. We've also been voted 'Most Trusted Personal Loan Provider' in the Moneywise Customer Awards for the past 6 years in a row.

More than 51,000 people are lending between £10 and £1 million to credit worthy borrowers.

Find out more about

Zopa loans or Peer-to-peer lending

Zopa is a founding member of the Peer 2 Peer Finance Association (P2PFA) industry group. We sought and won Financial Conduct Authority (FCA) regulation for the industry. Zopa’s FCA firm registration number is 563134.

What is Zopa?

When asked, this is how we describe Zopa:

Show transcript


Giles: So Zopa’s a business which sets out to reward people who are good with their money

Briony: We invented peer to peer lending in 2005

Giles: We connect people who have some spare money with people who wish to borrow it

Emily: We’re the UK’s oldest and largest lending platform

Sandy: Zopa’s values honesty, transparency and a great experience for our customers

Briony: We’ve lent over a half a billion pounds of real people’s money to sensible borrowers

Emily: We’ve got the best track record in managing risk of UK bank or peer to peer lender

Kylie: We’re actually trusted by 54,000 lenders

Mat: Zopa allows you to cut out the middleman and lend directly to sensible people

Giles: Well we’re really proud of our customer service and that’s shown by the fact that we’ve won Best Personal Loan Provider five years in a row

Caroline: Customer service is very important at Zopa, if we didn’t have our customers, we didn’t look after them then we wouldn’t have a business

Sandy: We make sure we treat our borrowers like real people and not computer decisions

Caroline: We don’t have a typical borrower or lender at Zopa, we have quite a huge range of different customers

Briony: It’s an ethical approach to money that I really believe in

Sharon: The whole process is a lot more efficient which means that we can keep our rates at a really competitive level

Sandy: I think peer to peer lending is the future because it allows lenders and borrowers to take charge of their money and make a difference through new technologies

Emily: If I had to describe Zopa in one word it would be

Mat: Honest

Kylie: Trustworthy

Briony: Ethical

Emily: Fresh

Sandy: Rewarding

Giles: Sensible

Key facts

  • Launched in the UK in 2005 - we're in our 11th year!
  • 130 staff in our London Office
  • Zopa has lent over £1097 million to UK consumers
  • Over the last year we lent over £280 million
  • Over £62m in interest earned by lenders since Zopa launched
  • Over 59,000 lenders including 51,000 active
  • Total number of borrowers - 110,000+
  • Average loan size - £7,500
  • Average amount lent - £6,200
  • Average return to lenders is 5.0%
  • Historical bad debt - 0.6% since 2005
  • Top three loan reasons: Car; Paying off credit cards; Home improvements
  • Safeguard fund total - over £10,815,569 and growing daily

The Zopa team

Zopa is run by a a small yet brilliant team who draw experience from a range of industries. We're backed by the firms who also invested in companies such as eBay, Betfair and Lovefilm.

Find out more about working at Zopa

Press office

Zopa is regularly featured in the news and press relating to peer-to-peer lending and finance.

Recent press coverage & news stories

Zopa awards cabinet

Case studies

Download customer stories from a wide variety of sensible borrowers and lenders.

Member stories (530kb)

If you would like to interview or feature a Zopa customer as a case study, please get in touch.

Press office contact details

All enquiries from the media should be directed to: Zopa's Press Office, on +44 (0)203 751 1743 or by email to pr@zopa.com

Press releases


Got a question?


Thinking of taking out a loan,
or already have a Zopa loan?

Email: contactus@zopa.com

Telephone: 020 7580 6060

Calls may be monitored or recorded. We can't take loan applications over the phone. UK residents only.


Thinking of lending your money,
or are already a Zopa lender?

Email: contactus@zopa.com

Telephone: 020 7291 8331

Calls may be monitored or recorded. UK residents only.