We're not currently
accepting referrals
As we're not currently accepting new investors,
we're not taking referrals at the moment.
Our products
Zopa Core
3.7%*Invest in loans across our core risk markets. A 1% fee applies when selling loans.
Zopa Plus
4.5%*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)
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.
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 2,396 reviews
