A better way to grow your money

Get more from your money by lending it directly to sensible people.

Cutting out the banks in the middle gets everyone a better deal. We call this peer-to-peer lending. And since we invented it in 2005, we've been making lending simple and fair.

Over 63,000 people have lent over £1.18bn through us.

Try our 5.0% interest calculator

I want to lend £
plus £ per month
at a projected rate of 5.0%

Get started

With peer-to-peer lending your capital is at risk, our risk statement has the details.

Projections are not an indicator of future performance, and are intended as an aid to decision-making, not as a guarantee.

Zopa Limited is authorised and regulated by the Financial Conduct Authority (firm registration number 563134).

How Zopa works

Watch our video to find out how Zopa works

Show transcript


At Zopa, we match people looking for a great return on their money with sensible 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 micro 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 lenders.

We only lend to sensible, credit-worthy 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 a Safeguard fund to protect you by covering lender losses, provided there is enough in the fund - it's not a guarantee, but to date it has paid out all covered loans.

We have measures in place to protect lenders, 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 more than 50,000 everyday people who are getting more from their money while helping borrowers get a better deal with Zopa.

With peer-to-peer lending your capital is at risk, our risk statement has the details.

What the press says

“Big banks beware - innovative technology challengers are coming to eat your lunch.”

BBC, January 2014

How lending works

Zopa is easy to use, and doesn't rely on you having any expert knowledge.

Opening an account is a simple, quick online process. Once you've transferred money into Zopa it automatically enters the queue to be matched and lent out to sensible borrowers.

Find out how lending at Zopa works

Choose your lending option

Lend at an average rate of 3.8% * in 2 & 3 year loans

Lend at an average rate of 5.0% * in 4 & 5 year loans

Get started

* Annualised projected return on money lent out, after expected defaults, but before tax.

With peer-to-peer lending your capital is at risk, our risk statement has the details.

Looking after your money

We have more than 10 years' experience of providing fair and competitive lending. Whilst we lend to sensible borrowers, our Zopa Safeguard Trust is designed to protect your money in the event that a borrower is unable to make their payments. To date, Safeguard has covered all money owed to lenders.

Find out how we minimize risk at Zopa

Who uses Zopa?

To date, over 63,000 individuals have lent with Zopa.

Our lenders come from all walks of life, and all over the country and have different lending goals - some use Zopa as an alternative to a regular savings account, some see Zopa as part of a diversified portfolio of investments, whilst others use the monthly repayments as a source of additional income.

You can start lending from as little as £10 whilst some lenders have millions in Zopa.

Hear from our lenders

Our awards

  • Moneywise award: Personal loan provider
  • Moneyfacts award: Personal loan provider
  • MoneyWeek award: Best P2P lender
  • Moneywise award: Specialist provider
  • The Sunday Times award: Tech track 100
  • Your money award: Best online p2p

To date, we've helped 63,000 individuals lend out over £1.18bn

Got a question?

Email: contactus@zopa.com

Telephone: 020 7291 8331

Calls may be monitored or recorded. UK residents only.