A smart investment

Managed risks. Fair rewards.

Demand from investors for our peer-to-peer platform is exceptionally high. If you would like to start investing with us, sign up to our waiting list and when we're next open to new investors we'll be in touch.

What you get from investing at Zopa

Returns ranging from 2.9%-6.1%*

At Zopa, you lend directly to borrowers. This means our returns are significantly higher than traditional bank investment products. Our peer-to-peer platform matches investments to loans directly, narrowing the margin between investment rates and personal loan rates.

A diversified portfolio

When you invest through Zopa, your money is lent out in chunks, starting at £10, to a range of borrowers. Meaning if you invest £1,000, no one person would have more than 1% of your overall investment.

Easy access to your money

You can withdraw your monthly repayments as they are paid back by borrowers or access a lump sum by selling your outstanding loans to other investors.

*Annualised projected return (capital weighted average loan interest rate minus expected principal loss and any fees)

When you invest your money, your capital is at risk and is not protected by the Financial Services Compensation Scheme (FSCS). Our risk statement has all the details.

How Zopa works

Show transcript


At Zopa, we match people looking for a great return on their money with people who want to borrow money, cutting out the banks so that both sides get a better deal.

It's easy to lend with Zopa: set up an account, transfer your money and it is automatically split into small loans that are lent to lots of different borrowers, each at a fixed rate.

Each month, borrowers make regular repayments of both the loan and interest. These go back into your Zopa account to be lent to new borrowers, which means you're lending out your original amount, and the interest you've already earned so your money grows over time.

You can access your money at any time by withdrawing the repayments or by selling your loans in a lump sum to other investors – for a 1% fee in Classic and Plus and for no fee in Access.

We lend to carefully selected borrowers, but if a borrower is unable to meet their repayments we'll investigate and take the necessary action. In the event that they can't repay the loan we have the Safeguard fund to protect you by covering investor losses, provided there is enough in the fund – it's not a guarantee, but to date it has paid out all covered loans.

If your money is invested in a non-Safeguard product, you will experience some capital loss when a loan defaults. We have measures in place to protect investors, but it's important to recognise that your capital is at risk. With Zopa, it's easy to lend online, and our award-winning customer support team is ready to help if you have any questions.

Join tens of thousands of people who are getting more from their money while helping borrowers get a better deal with Zopa.

Join the
waiting list

When we're accepting new investors, we'll send you an email with a personal link to open your account.

You then select a product, which will be the automatic destination for new funds.

We invest your money

Your money goes into a queue with other lenders to be matched to borrowers. It will typically be lent out within a week.

How your money is matched

Access your money anytime

You can withdraw your monthly repayments as they are paid back by borrowers or access a lump sum by selling your outstanding loans to other investors.

How you access your money

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You trust us with your money. We take that seriously.

We have 59,000 active investors who have lent over £2.23bn with us. Our investors come from all walks of life, and all over the country and have different investing goals.

Zopa has an unrivalled track record of performance in the personal loans asset class. We minimise our investors’ risk in three ways: a prudent credit risk policy, diversification and an effective, recoveries policy.

How we manage risk

We're here to help

We have 59,000 active investors who have lent over £2.23bn with us.

Monday to Thursday (9am to 5:30pm), and Friday (9am to 5pm).

Email: contactus@zopa.com

Telephone: 020 7291 8331

UK residents only. Calls may be monitored or recorded.