Our investment products

An overview of the products we offer

Zopa Access

Zopa Classic

Zopa Plus

Great if you want to dip into your money occasionally. No fee applies when selling loans.

Great if you're looking to invest for the longer term. A 1% fee applies when selling loans.

Higher projected return in exchange for more risk. A 1% fee applies when selling loans.

Annualised projected return (capital weighted average loan interest rate minus expected principal loss and any fees)

Zopa access: 3.1%
Zopa classic: 3.9%
Zopa plus: 6.3%

Is my money covered by Safeguard?

Zopa access: Yes
Zopa classic: Yes
Zopa plus: No
Zopa access

Safeguard is our provision fund. It covers expected losses for Access and Classic investments during a normal economic environment. It's not a guarantee. Find out more

Zopa classic:

Safeguard is our provision fund. It covers expected losses for Access and Classic investors during a normal economic environment. It's not a guarantee. Find out more

Zopa plus:

Whilst expected returns are higher so is the anticipated credit risk. Find out more

What is the fee for selling my loans and taking my money out?

Zopa access: No fee
Zopa classic: 1% fee
Zopa plus: 1% fee

Free withdrawals

Withdraw your money for free as borrowers repay by switching auto-lending off. Borrowers may pay back loans early, and often do.

Loan sale fee

You can also choose to withdraw a lump sum or all of your Zopa money. To do this, we sell your loans to other investors. To date, this has always been possible but it is not a guarantee. In Classic and Plus, we charge a 1% fee to sell your loans. It's free in Access. Find out more

Is there a minimum investment?

Zopa access:
£10
but we recommend £1,000
Zopa classic:
£10
but we recommend £1,000
Zopa plus:
£1,000

Who do I lend to?

Zopa access:

Individuals taking loans up to 5 years who are in risk markets A*–C

Zopa classic:

Individuals taking loans up to 5 years who are in risk markets A*–C

Zopa plus:

Individuals taking loans up to 5 years who are in risk markets A*–E. Find out more about Zopa's risk markets

You can pick your product later

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.

Better rates in return for carefully managed risk

Returns at Zopa are significantly higher than a bank savings account because you lend directly to borrowers, cutting out the costs of running a bank and the typical bank margin between savings and personal loan rates.

However, you need to know that your money is not guaranteed by the Financial Services Compensation Scheme, and your capital is at risk.

Zopa's historical returns

Direct lending

Once your money has been matched it’s lent at a fixed rate for the duration of each loan contract. As money is gradually paid back it will be re-lent at the latest rates (or you can withdraw it). This means that the rate you get on new lending will follow the latest product rates.

Direct lending also means you have a loan contract with each borrower. The rate in the contract is fixed for the duration of the loan contract, which can be up to 5 years.

Not taxing

Zopa provides an annual statement to make it simple to declare your earnings to the HMRC for tax purposes. The amount of income tax payable is dependent on your individual circumstances and may be subject to change in the future.

From 2016/17 tax year lenders with the Zopa Plus product and no Safeguard cover will be able to set any losses that they incur against income from their other loans thanks to the Personal Savings Allowance.

We're here to help

To date, we've helped 63,000 individuals invest over £1.88bn

Please note: Our phone lines close at 3pm today.

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

Email: contactus@zopa.com

Telephone: 020 7291 8331

UK residents only. Calls may be monitored or recorded.