Who uses Zopa?

We're the UK's largest peer-to-peer lender. Over 59,000 people trust Zopa to grow their money, more than any other peer-to-peer lending site.

We've been lending for 10 years, and our lenders have earned more than £58m in interest - and that's growing rapidly, in the last 12 months alone lenders have earned £18.1m in interest.

Our lenders come from all walks of life, and all over the country.

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Meet our lenders

Whilst on average, Zopa lenders have invested £6,200, there is no average customer at Zopa.

You can start lending from as little as £10 (but remember that to achieve compound growth you need to re-invest monthly repayments in at least £10 micro-loans) whilst some lenders have millions in Zopa.

Ryan, 24, from North Humberside

Amount saved: £2,300

I was introduced to Zopa by a friend, and I really enjoy using it, it gives me a great safe and secure way to save my money and watch it grow so that eventually I will be able to use it towards a deposit for a house. It's also great to know I can help those in need of a loan for whatever their needs.

Karina, 34, from London

Amount saved: £700

I started saving with Zopa to diversify my overall financial portfolio. High street banks have no competitive offers, and with an exposure to the stock market already through ISAs, saving with Zopa is a good middle ground for me: medium term savings with a medium amount of risk. An extra element is knowing that, by offering my unspent money at the end of the month, I am helping someone buy or do something that is really important to them. Saving and investing with a conscience, if you will.

Patrick, 65, from Belfast

Amount saved: £16,000

I've managed to get some cash from a private pension and wanted to put it into a scheme for my two grandchildren. It was obvious that Zopa offered the long term savings solution at a great rate and was too good to miss. My money is happily ticking away earning a high rate of interest compared to what is offered by the banks. This money will be for them when they need it and they would applaud the idea of peer to peer lending.

Show transcript


Chris: Hi, I’m Chris and I’m a Zopa lender

Tony: I’m Tony and I’m a Zopa lender

Alex: I’m Alex and I’m a Zopa lender

Elaine: I’m Elaine and I’m Zopa lender

Mike: I’m Mike and I’m Zopa lender

Maurice: My name’s Maurice and I’m a Zopa lender. I’ve been lending through Zopa for about three or four years

Elaine: About eight or nine years

Tony: For over a year

Alex: For about a year

Chris: For two years now

Elaine: I started lending with Zopa initially because I liked the idea of a more ethical way of lending which cut out the middleman

Mike: Getting started as a lender with Zopa couldn’t be easier

Maurice: I go on the website, I transfer it across from my bank account

Mike: You decide how much money you’re going to lend

Alex: For how long

Maurice: And then Zopa takes the money and Zopa chops it all up into little bits and lends it to lots of different people

Chris: And that means that my risk is spread and diversified

Maurice: So you invest your money for a three or five year term but if you need to get it earlier you can sell your loan on to another lender

Alex: Zopa’s a great example of something the internet has made possible

Maurice: So aren’t lots of layers and not lots of bureaucracy and not lots of people trying to take their cut

Chris: It’s a smart way of bring lenders and borrowers together

Elaine: The rate of return I get with my savings at Zopa is pretty good, I’m very pleased with it

Tony: It beats the rates you can get on the high street

Alex: I like Zopa because they invented peer to peer lending, and they know what they’re doing

Maurice: I find Zopa always really straightforward and simple to deal with

Elaine: They’re reliable because when I chat to them everything they say, they do

Mike: I like the fact that in a world where people want to borrow and lend money, Zopa allows them to do that really easily over the internet

Tony: I’m using Zopa for my general long term savings

Maurice: I suppose all my savings are for a rainy day, but I’ve been saving so long for a rainy day I think I might start spending some of it

Mike: If I was to describe Zopa in one word I’d say

Chris: Smart

Alex: Reliable

Maurice: Transparent

Tony: Honest

Elaine: Rewarding

Mike: Revolutionary

Alex: I’m constantly recommending Zopa to friends and family because I think it just makes so much sense

Trusted by financial institutions

We also have a variety of financial institutions that lend money through Zopa, from hedge funds to banks. We treat institutions just like individual lenders, there's no cherry picking of loans and they get the same basket of loans as we offer to individuals.

However we're proud to have more institutional funding than any other peer-to-peer lender in the UK - we see it as a sign of validation of Zopa, and our 51,000 individual lenders.

Read more about why Metro Bank lends money through Zopa

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.


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.