How do listings work?

In a nutshell, they work just like an online auction, except that the 'price' comes down instead of going up.

Once a listing becomes 100% funded, you'll see that the overall interest rate will begin to fall as lenders compete with each other to be included in the loan.

Don't worry if it doesn't look like much is happening on a listing. The real action usually happens just before the listing ends.

Once a listing has finished, the borrower has up to 48 hours to decide if they want the loan at the final interest rate. There is no obligation to take the loan.

Active listings at Zopa

Listings is a new way to lend and borrow, allowing an even greater choice
of the real people you want to lend to. People set their own terms and
rates. Money's human again...

Zopa doesn't provide bad debt estimates for Listings because they are intended to allow lenders to make their own evaluations of a borrower's ability to repay a loan. Zopa does still ensure that each borrower passes our minimum criteria and that their listing accurately reflects their current financial circumstances.
You may want to see more information on Listings performance to date.

Show expired listings

Title	Amount	Rate	Term	Purpose	Status	Time
Just moved in to new home and need to make it warm for winter	£4,630.00	6.70%	36 m	Home improvements	100% 120 offers (9.18% avg)	18 hours
just moved house and now need to pay for a car	£15,130.00	8.00%	60 m	Car	100% 269 offers (13.65% avg)	20 hours
Home Improvements for our sons bedroom!	£2,080.00	5.00%	12 m	Home improvements	49% £1,010 from 12 offers (16.98% avg)	9 days

How do listings work?

Active listings at Zopa

Listings is a new way to lend and borrow, allowing an even greater choice of the real people you want to lend to. People set their own terms and rates. Money's human again...

Getting Listings...

Listings is a new way to lend and borrow, allowing an even greater choice
of the real people you want to lend to. People set their own terms and
rates. Money's human again...