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Our story

In 2005, we built the first ever peer-to-peer lending company. Our founders saw an opportunity to create a better financial services experience, giving people access to simpler, better-value loans and investments. The model was the first of its kind in the world — directly matching people looking for a low rate loan with investors looking for a higher rate of return. It's efficient and online which keeps our overheads low and allows us to pass on the rewards to our customers, so everyone is better off. Today, we're MoneySuperMarket's largest non-high street lender.

We are so passionate about doing the right thing for customers that we co-founded the Peer to Peer Finance Association (P2PFA) and lobbied hard for more regulation across the peer-to-peer sector (which we achieved in 2014). In 2017, we became the first major peer-to-peer lender to offer an Innovative Finance ISA (IFISA) in response to customer demand.

We've weathered a recession, learnt from it, built up a reputation for consistency and prudence in a world of uncertainty following the crash. We've learned from our past and use it to plan our future.

We're proud to do things differently and earned our reputation as an innovator by obsessing about tech, data, and delivering an exceptional customer experience.

Since 2005 we've lent out over £5 billion to almost half a million borrowers and generated £250 million interest for our investors. We've also helped hundreds of thousands of customers take the stress out of managing their money by building our business on honesty, transparency and trust. It works so well that we wanted to give our customers access to other great products and tools to help them manage their money. That's why, in December 2018, we launched a bank, but a new kind of bank, one where we're driven by what our customers need. Our peer-to-peer model remains at the heart of our business, having our banking licence simply allows us to give even more people a better experience with their finances.

The FeelGood Money® Company

Our bank will allow us to give more people a better experience with their finances by introducing more simple and fair products

Jaidev Janardana

Steering the ship

We've assembled boards to help us on our journey, full of experience and a shared vigour for Zopa success.

More about Zopa's boards or our leadership team.

What we’ve been up to

Intel, updates, company news and beyond, the Zopa blog has the latest.

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