Welcome to Zopa!

You have been referred by a friend. Earn a £50 bonus when you invest £2000 or more.

Get started

Our products

Zopa Core


Invest in loans across our core risk markets. A 1% fee applies when selling loans.**

Zopa Plus


Invest in higher risk markets for a higher return. A 1% fee applies when selling loans.**

*Annualised projected return (capital weighted average loan interest rate minus expected principal loss and our loan servicing fee)

**If the loans you're selling are worth less than equivalent loans today, you will pay a market rate adjustment fee to the purchasing investor.

When you invest your money, your capital is at risk and is not protected by the Financial Services Compensation Scheme (FSCS). Tax treatment depends on the individual circumstances and may be subject to change in the future. Our risk statement has all the details.

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 2018/19. And we accept transfers in from other providers too.

Explore our IFISA

Get up to £200 cashback in January

To celebrate getting our banking licence, we're thanking all our Investors with cashback on new money invested in loans. Limited time only. Capital is at risk, terms and conditions apply.

How to get your cashback

Open account & choose product

It's a simple online process to open an account and select a product, which will be the automatic destination for new funds. You can change your product selection at any time, or add additional lending products.

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

You can withdraw your monthly repayments as they are paid back by borrowers, or you may be able to access a lump sum by trying to sell your outstanding loans to other investors.

How you access your money

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


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

Our awards

We're here to help

Since 2005, more than 76,000 investors and institutions have lent over £3.92bn with us.

Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).

Email: contactus@zopa.com

Telephone: 020 7291 8331

UK residents only. Calls may be monitored or recorded.