Our investment products

You can sign up to Zopa with as little as £1,000. Please note that we charge a 1% fee with our products if you choose to sell your loans early.

Zopa Core

3.7%

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


A*-C

Risk markets: Lending to individuals taking loans up to 5 years in our A*–C risk markets. Across Core investors, returns are likely to be less volatile than for Plus investors.

Zopa Plus

4.5%

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


A*-E

Risk markets: Lending to individuals taking loans up to 5 years across all our risk markets (A*–E), including (D–E) markets which are higher risk than A*–C. Across Plus investors, returns are likely to be more volatile than for Core investors.

£1,000 minimum

With both of our products, there is a minimum initial investment amount of £1,000. This is to ensure your investments are sufficiently diversified. Your money is lent out in chunks starting at £10, meaning no one person would have more than 1% of your overall investment.

Access your money

You can withdraw your monthly repayments as they are paid back by borrowers for free, by letting repayments go into your holding account. If you would like to access a lump sum, you can sell your outstanding loans to other investors for a 1% fee.

Defaults at Zopa

If a borrower misses 4 months’ worth of repayments, their loan is defaulted and your capital may be lost. After a default, we still make every effort to recover your capital, and return those funds to you. Your projected return factors in expected defaults, although actual defaults may vary from expectations.

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 our waiting list

Demand from investors for our peer-to-peer platform is exceptionally high. If you would like to start investing with us, sign up to our waiting list and when we're next open to new investors we'll be in touch.

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

We're here to help

Since 2005, more than 76,000 investors and institutions have lent over £2.81bn with us.

And we've just extended our opening hours: 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.