New to Zopa?

Social lending is a smarter, fairer and more human way of doing money.
Find out about the financial revolution.
  • BBC News:
    "It cuts out the banks and middlemen."
  • Channel 4:
    "A new way to save and borrow."
  • BBC Radio 2:
    Zopa on the Chris Evans Drivetime show.
  • What Investment:
    ***** Product of the Month
  • BBC Radio 4:
  • The Daily Telegraph:

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It's a more human way of getting a low-cost loan

(£1000 – £15000)

How people use Zopa

Where does Zopa money come from?

It comes from people like you!

Over the last 12 months our lenders have made an annual return of 7.2% (after fees and before bad debt) on the money that they lend out, and it's getting even better as they earned a whopping 7.8% last month.

Rather tasty isn't it?
Why not get this kind of return for yourself, as well as a nice warm, fuzzy feeling inside from helping real people?

Find out more

Zopa loans – unsecured and very personal

Personal Loans and Car Loans are amongst the most popular uses for our lenders' money. Our interest rates are set by our lenders - ordinary people, just like you. The typical rate is 8.9%APR on a £5,000 loan over 3 years in the A* market.

Top 5 loan types

Zopa Listings

Zopa Listings is a new way for Zopa members to lend and borrow money. Find out more. Browse all listings
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2008 Webby Awards Winners

Hooray! We've just won another Webby award for Financial Services.

Thanks to all our lovely borrowers and lenders who make Zopa what it is...