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

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.

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”

— 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 £3.32bn with us.

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

Please note: We are closed on Monday 28th for the bank holiday.

Email: contactus@zopa.com

Telephone: 020 7291 8331

UK residents only. Calls may be monitored or recorded.