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 £1.18 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.

Some 53,000 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.

How Zopa works

Watch our video to find out how Zopa works

Show transcript


Lending at Zopa is simple; everything happens automatically. Here's how it works...

Your money enters a queue with other lenders to be matched and lent out to approved borrowers. Once it reaches the front, it is split into micro loans of at least £10 to diversify your money.

Each month borrowers make their loan repayments, paying you back a portion of your capital plus interest. Borrowers repay on different days so money is coming into your account throughout the month.

Once you've collected enough repayments to buy a new micro loan your money will be automatically re-lent to new borrowers, so you're now starting to lend and earn money on your interest.

Each micro loan is repaid at a fixed interest rate, but your repayments will buy new micro loans at the latest market rates. This means your rates will evolve with the market as you re-lend.

With peer-to-peer lending your capital is at risk, our risk statement has the details.

Key facts

  • Launched in the UK in 2005 - we're in our 11th year!
  • 150 staff in our London Office
  • Zopa has lent over £1 billion to UK consumers
  • Over the last 12 months we lent over £485 million
  • Over 63,000 lenders including 53,000 active
  • Total number of borrowers - 150,000+
  • Average loan size - £7,300
  • Average amount lent - £6,200
  • Top three loan reasons: Car; Home improvements; Paying off credit cards
  • Safeguard is currently 1.2 times bigger than what we expect to cover

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.