Welcome to Zopa!
You have been referred by a friend. Earn a £50 bonus when you invest £2000 or more.
Get startedOur products
Zopa Core
4.0%*Invest in loans across our core risk markets. A 1% fee applies when selling loans.**
Zopa Plus
4.6%*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). Our risk statement has all the details.
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.
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.
“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.
Based on over 2,629 reviews
