Based on over 450 reviews
Just how loans should work
"Just agreed a loan with Zopa. Lowest rate in the market, simple and straightforward online application with easy upload of supporting documents, and a quick agreement. No penalties for early settlement. Why can't banks operate like this? Faultless."
— Jem, 12 February
What the press says
“Zopa is the pioneer of peer-to-peer lending, which uses the internet to cut out the banks entirely. It matches savers with individuals who want to borrow, leaving out the bank and offering better rates all round.” — The Guardian
Become a Zopa lender
Zopa lenders have earned millions of pounds in interest by lending money directly to responsible borrowers.
With peer-to-peer lending your capital is at risk and isn’t covered by the Financial Services Compensation Scheme (FSCS).