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Accessing your money

Our investors invest their money in loan contracts for the lifetime of the loan (the length of time it takes the borrower to pay back the entire loan), however, borrowers make repayments on a monthly basis. Investors usually use these repayments to re-invest in new loans, in order to compound their interest. Alternatively, if an investor wants to access their money, they could choose to receive these repayments directly rather than investing in new loans, or they could sell their existing loans to other investors.

Please note that loans where the borrower has missed a repayment cannot be sold.


. Take home repayments

Each month you'll receive repayments from borrowers which you can withdraw, at no charge. Although borrowers choose to pay back their loan over a fixed term (up to 5 years), Zopa does not charge early repayment fees and many of our borrowers pay back their loan early. This means that the monthly repayments you receive will vary.


. Withdraw a lump sum

You can access more of your money by selling active loans to other investors in the market. For both Zopa Core and Zopa Plus there is a 1% fee associated with this service.

This service is always available as long as the loans are up to date with repayments and there are other investors looking to buy loans. It's a speedy but not immediate service, as it isn't like an instant access bank account.

We have a fast-growing community of over 60,000 active investors but of course, there’s a chance that if there isn’t enough demand from investors to buy loans, you may not be able to access your money as fast as you’d like to.

Moving investors rates

Across all products, when withdrawing a lump sum, if one of your micro loans is at a lower rate than the lowest rate on a similar loan today, you'll need to pay a small amount to the investor taking over your loan. This covers the extra interest they could have earnt by buying a new loan instead.

Read our frequently asked questions for more detail on accessing money.

We're here to help

Since 2005, more than 76,000 investors and institutions have lent over £2.54bn with us.

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


Telephone: 020 7291 8331

UK residents only. Calls may be monitored or recorded.