Our investment products

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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: 2.9%
Zopa classic: 3.7%
Zopa plus: 6.1%

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

If you choose to sell your loans to withdraw all, or a lump sum, there need to be other lenders to buy your loans. To date, this has always been possible but it is not a guarantee. If you sell your loans to another lender, a premium may be charged if your loans are worth less than the open market (for example, if rates for loans have increased). In Classic and Plus, we charge a 1% service fee to sell your loans. 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. These loans are the same for Access and Classic.

Zopa classic:

Individuals taking loans up to 5 years who are in risk markets A*–C. These loans are the same for Access and Classic.

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

We're here to help

To date, we've helped 63,000 individuals invest over £2.05bn

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.