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.

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

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.

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.

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

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

— BBC

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

We have more than 60,000 investors and institutions currently investing 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

Since 2005, more than 76,000 investors and institutions have lent over £2.31bn 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.