We were founded to make money simple and fair

More than a decade ago, our founders saw a simple problem: people borrowing money were being charged high rates and those able to invest money were getting low returns. Everyone was losing out.

Our founders wanted to change this and knew that by matching borrowers and investors directly, both would be better off. Their goal was, and still is, to make money simple and fair.

We're on a one-way journey to challenge established practices and make personal finance better for everyone.

"The way Zopa serves customers never stops evolving. We're always moving towards more simplicity"

— Giles Andrews, Zopa co-founder

We've grown year on year

Loans disbursed: £6m in 2006 vs. £690m in 2016

Total approved annually across all Zopa loans

We've achieved this growth without compromising on our high standards of responsible lending and risk management.

Timeline

2004

Zopa is founded as a market place for lending and borrowing with a management team drawn from those who founded Egg in the UK

2005

Zopa is launched to the public and originates its first loan

2008

The financial crisis hits and Zopa continues to provide positive returns to investors throughout

2013

Zopa launches the Safeguard fund as a tax-efficient way for investors to offset bad debt

2014

The Financial Conduct Authority starts regulating the peer-to-peer industry, a move that Zopa has long supported

2014

Zopa starts working with institutional investors, allowing a more diverse customer base

2016

Zopa launches a new suite of investment products: Zopa Access, Zopa Classic and Zopa Plus, giving investors more choice in how they lend their money

2016

Zopa announces plans to launch a next generation bank, offering FSCS-protected savings products and overdraft alternatives

2017

Zopa is granted full authorisation by the Financial Conduct Authority for peer-to-peer lending (Article 36H)

2017

Zopa opens a development centre in Barcelona

2017

Zopa launches the Zopa IFISA, allowing customers to earn tax free interest on their peer-to-peer investments, and Zopa Core, its latest peer-to-peer investment product

We're here to help

And we've just extended our opening hours: Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).

Holiday opening hours:

December 25th to 26th: Closed
December 27th to 29th: 9am to 5:30pm
January 1st: Closed

Email: contactus@zopa.com

Telephone: 020 7580 6060 for loans

Telephone: 020 7291 8331 for investments

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