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Managed risks. Fair rewards.

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At Zopa, we offer three lending products, with different levels of access and risk. As with all peer to peer lending, your capital is at risk.

We give choice around risk by offering Safeguard coverage in some products. This has been set up to cover losses but it’s not a guarantee.

In all three products, money is lent to individuals for up to 5 years.

You can withdraw your monthly repayments for free or can sell your loans at any time, as long as there are other lenders in the market to buy them.

Zopa Access is for lenders who are new to Zopa or who want to dip into their money occasionally for no access fee. All loans are covered by Safeguard.

Zopa Classic is great for lenders who want to earn a bit more by leaving their money to grow. You are covered by Safeguard and you can sell your loans, for a 1% fee.

Zopa Plus is for lenders willing to balance more risk for higher returns. Customers can lend across a wider range of risk markets. These loans are not covered by Safeguard. We have a minimum lending amount of £1,000 in Zopa Plus to spread your money across at least 100 borrowers to diversify risk.

As a Zopa lender, you can choose one or a combination of these products.

Zopa Access


Great if you want to dip into your money occasionally. No fee applies when selling loans.

Zopa Classic


Great if you're looking to invest for the longer term. A 1% fee applies when selling loans.

Zopa Plus


Higher projected return in exchange for more risk. A 1% fee applies when selling loans.

*Annualised projected return (capital weighted average loan interest rate minus expected principal loss and any fees)

When you invest your money, your capital is at risk and is not protected by the Financial Services Compensation Scheme (FSCS). Our risk statement has all the details.

How Zopa works

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At Zopa, we match people looking for a great return on their money with people who want to borrow money, cutting out the banks so that both sides get a better deal.

It's easy to lend with Zopa: set up an account, transfer your money and it is automatically split into small loans that are lent to lots of different borrowers, each at a fixed rate.

Each month, borrowers make regular repayments of both the loan and interest. These go back into your Zopa account to be lent to new borrowers, which means you're lending out your original amount, and the interest you've already earned so your money grows over time.

You can access your money at any time by withdrawing the repayments or by selling your loans in a lump sum to other investors – for a 1% fee in Classic and Plus and for no fee in Access.

We lend to carefully selected borrowers, but if a borrower is unable to meet their repayments we'll investigate and take the necessary action. In the event that they can't repay the loan we have the Safeguard fund to protect you by covering investor losses, provided there is enough in the fund – it's not a guarantee, but to date it has paid out all covered loans.

If your money is invested in a non-Safeguard product, you will experience some capital loss when a loan defaults. We have measures in place to protect investors, but it's important to recognise that your capital is at risk. With Zopa, it's easy to lend online, and our award-winning customer support team is ready to help if you have any questions.

Join tens of thousands of people who are getting more from their money while helping borrowers get a better deal with Zopa.

Open account & choose product

It's a simple online process to open an account and select a product, money which you transfer to Zopa will automatically go into that product. You can change your product selection at any time.

We invest your money

Your money goes into a queue with other lenders to be matched to borrowers. It will typically be lent out within a week.

How your money is matched

Access your money anytime

You can withdraw your monthly repayments as they are paid back by borrowers or access a lump sum by selling your outstanding loans to other investors.

How you access your money

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You trust us with your money. We take that seriously.

We have 59,000 active investors who have lent over £1.77bn with us. Our investors come from all walks of life, and all over the country and have different investing goals.

Zopa has an unrivalled track record of performance in the personal loans asset class. We minimise our investors’ risk in three ways: a prudent credit risk policy, diversification and an effective, recoveries policy.

How we manage risk

We're here to help

To date, we've helped 63,000 individuals invest over £2.05bn

Monday to Thursday (9am to 5:30pm), and Friday (9am to 5pm).

Email: contactus@zopa.com

Telephone: 020 7291 8331

UK residents only. Calls may be monitored or recorded.