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How Zopa works

Zopa was founded to make money simple and fair.

We directly match borrowers looking for a low rate loan with investors looking for a higher rate of return.

Our direct and online-only model allows us to be more efficient and pass on the rewards to our customers.

There are no hidden charges so both our investors and borrowers get a good deal. We charge borrowers a low, transparent fee once their application has been approved. This is added to the loan amount and is included in all our APR quotations.

For investors in our Classic and Plus products, we charge a 1% fee when selling loans. It’s free to withdraw money in other ways.

We also have a small number of financial institutions lending through our platform. Find out about who invests with Zopa

More about how investing at Zopa works

We're here to help

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


Telephone: 020 7580 6060 for loans

Telephone: 020 7291 8331 for investments

We can't take applications over the phone. UK residents only. Calls may be monitored or recorded.