| Features | Core | Plus |
|---|---|---|
| Target returns This is the capital weighted average interest rate (or, in human-speak, an average that takes a huge number of data points into account and weights them according to set factors such as loan size or, in this case, loan interest rates) minus expected defaults and our loan servicing fee. It's what you can expect your investment to perform at or close to over time. | 4.5% | 5.2% |
| A* – C | A* – E | |
| Minimum initial investment | £1,000 | £1,000 |
Remember, with peer-to-peer investing your capital is at risk, and your actual return may be higher or lower than the advertised projected target return. Unlike a savings account from a bank, you're not protected by the Financial Services Compensation Scheme (FSCS). Tax treatment depends on individual circumstances and may be subject to change in the future. Our risk statement has all the details.
How investing at Zopa works
Did you know we also offer an Innovative Finance ISA ?
The same great value returns with a tax-free wrapper on investments up to £20,000 in 2019/2020. And we accept transfers in from other providers too.
What do I need to know?
Proud of our record
While the past is no indicator of future performance, we have an unmatched history of delivering the returns we set out to.
Withdrawing money
Access your money for a 1% fee at any time, or turn off reinvesting to let your money accumulate free of charge.
Tax efficiency
A quick guide on how you can be tax efficient with your Zopa investments — personal allowances, ISAs, etc.
"Big banks beware – innovative technology challengers are coming to eat your lunch"
"Zopa has experienced soaring demand for its IFISA"
"Zopa, founded in 2004, is credited with inventing the idea of peer-to-peer lending"
What makes a Zopa investment FeelGood?
Great value returns
By accepting more risk, you could earn better returns than a savings account with less volatility than a stocks and shares investment. Learn how we work to manage this risk
Warm feelings
While you earn better returns on your money, you can feel good knowing your investment is helping others reach their goals.
Award-winning service
We're proud of being one big team that's committed to providing the best experience for our customers. Not to brag, but we’ve got a few awards to prove it…
What our customers think
I like the simplicity of Zopa: it's very straightforward and if you want to see what's happening you can just log on to your Zopa dashboard and everything is there.
Zopa's strength is their complete transparency on their organisational culture and their lending platform as well as industry news.
Excellent customer services and really quick responses to all questions. No hesitation in recommending Zopa to anyone.
Just tremendous service, much easier than dealing with a bank. Open, honest and clear communications, plus an excellent rate!! Thank you so much, you've saved me valuable time and money in balancing my debt! I highly recommend you to everyone I meet, hopefully I can get in on the investment side of Zopa in the future!!
People often ask us
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.
We’re happy when you’re happy
Trusted Loans Provider
Moneywise Customer Service Awards 2018
Best Personal Loan Provider
British Bank Awards 2019
Best Customer Service
Moneyfacts Consumer Awards 2018
Best Personal Loans Provider
MoneySuperMarket Supers Awards 2016
Growing strong…
Our individual investors have lent over £4 billion to borrowers over the last 7 years.
In 2017, we temporarily closed our doors to new customers to manage lending speeds and demand for our IFISA.
Last updated: 25 July 2018
Gen Z the financially savvy generation
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Gen Z the financially savvy generation
My work life: Slavo
Funny Money: Zopa rewrites outdated money idioms
Our gender pay gap
We’re here to help
Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).
We have investor experts on-hand to assist you.
UK residents only. Calls may be monitored or recorded.
Based on over7,697reviews
Ready to start investing?
You can open an account in less than 5 minutes
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Remember, with peer-to-peer investing your capital is at risk, and your actual return may be higher or lower than the advertised projected target return. Unlike a savings account from a bank, you're not protected by the Financial Services Compensation Scheme (FSCS). Tax treatment depends on individual circumstances and may be subject to change in the future. Our risk statement has all the details.
