Peer-to-peer investments

Invest in personal loans: competitive returns, well-managed risk, and that feel good moment of knowing you're helping people achieve their goals.

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Our products

Zopa Core


Invest in loans across our core risk markets. A 1% fee applies when selling loans.**

Zopa Plus


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.

Did you know we also offer an Innovative Finance ISA?

The same great value returns with a tax-free wrapper on investments up to £20,000 in 2018/19. And we accept transfers in from other providers too.

Explore our IFISA

“A 'peer-to-peer' system in which investors and borrowers are brought together for mutual advantage”

— Independant

What makes a Zopa investment feel good?

Great value returns

By accepting more risk, you could earn better returns than a savings account with less volatility than a stocks and shares investment.

How we manage risk

Warm feelings

While you earn better returns on your money, you can feel good knowing your investment is helping others reach their goals.

Award-winning service

We're proud of being one big team that's committed to providing the best experience for our customers. Not to brag, but we’ve got a few awards to prove it…

Our awards

Withdrawing money

Access your money for a 1% fee at any time, or turn off reinvesting to let your money accumulate free of charge.

How you access your money

We're here to help

Since 2005, more than 76,000 investors and institutions have lent over £3.81bn with us.

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


Telephone: 020 7291 8331

UK residents only. Calls may be monitored or recorded.