How Zopa works

We're proud to do things differently.

The Zopa model was the first of its kind in the world: we directly match people looking for a low rate loan with investors looking for a higher rate of return.

It's efficient and online. It lowers our overheads and allows us to pass on the rewards to our customers, so everyone is better off.

We've earned our reputation as an innovator by obsessing about tech, data, and delivering an exceptional customer experience.

A number of financial institutions also invest through our platform.

How do we make money?

We believe in transparency, so our fees are displayed clearly to our customers when they take out a loan or invest their money.

We charge 3 types of fee at Zopa. They enable us to provide the service our customers know and love.

Loan customers

We charge an origination fee to help cover the cost of setting up the loan. We also apply a loan servicing fee to each loan contract, which is deducted directly from each borrower repayment before the principal and interest is passed on to investors. Both fees are included in the loan's APR.


We charge a 1% fee if an investor wants to sell their loans to access their money quickly. It's free to withdraw money in other ways.

We're here to help

Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).


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.