Peer-to-peer investments

Anyone aged 18 or above who is a UK resident and has a UK current account can invest through Zopa without restriction.

Short answer: as long as you like!

Because borrowers repay monthly, your money isn't tied up for a fixed duration. If you have automatic reinvesting on, then that money is put towards buying new loans. If you don't, it goes into holding and waits for you to decide what to do with it: reinvest it at Zopa, or withdraw it to spend on whatever you like.

And if you need to access your money while it's still lent out, you can always sell your loans to other investors (rememebr there's a 1% fee associated with this).

So there's no fixed term, and no upper time limit on investing. It's entirely up to you.

To get started lending at Zopa you'll first need to open an account. You'll be asked for your details so that we can identify you and set up your Zopa account.

Once you've successfully created your account, you will see the product comparison table:

• Read the descriptions for each of our lending products – Zopa Core and Zopa Plus
• Select the product you would like to lend your money in
• You'll then be prompted to transfer money into your Zopa account so you can start lending your money at Zopa

The exact amount will vary depending on how much money you have in the platform, but no one borrower will hold more than 1% of your total investment.

For example, by investing £1,000, 100 borrowers will each get £10. This is one of the ways we manage risk in your investment.

Yes and no. You'll be able to see relevant information about their loan in your loan book: like how much they borrowed, what risk market they're in, loan purpose, etc. But you won't know their name or address or anything like that for obvious security reasons.

The headline rate is the annualised projected return (capital weighted average loan interest rate minus expected principal loss and any fees), across a bundle of loans in a single product.