Get a loan

The human way of getting a low cost loan. Rather than making the fat cats fatter you pay interest to real people.

Check today's rate

(£1000 – £15000)
(no early repayment fees)
Video still

Check out this short video, made by one of our members, dyf, to find out more on how it works.

Make money by lending

The money you lend at Zopa is protected using the same safety measures banks use... Plus a few more.

Set your own rates

lenders

Over the last 12 months Zopa lenders have made an annual return of 7.9%, before bad debt.

Let us do the hard work for you by lending on the Zopa Markets, or hand pick your borrowers by seeing their Zopa Listings.

Lend now
Video still

Check out this short video, made by one of our members, chocmonster, to find out more on how it works.

What is Zopa?

Zopa is a marketplace where people lend and borrow money to and from each other, sidestepping the banks.

It's a smarter, fairer and altogether more human way of managing your money, where both borrowers and lenders get better rates. Find out more

Today at Zopa

Zopa in the news

  • BBC News:
    "It cuts out the banks and middlemen."
    Read more
  • Channel 4:
    "A new way to save and borrow."
    Read more
  • Working Lunch:
    Working Lunch on BBC Two.
    Read more
  • Today (Radio 4):
    Zopa on the The Today Programme, BBC Radio 4
prime

Do you know someone aged over 50 who has a great idea for setting up their own business?
If so, PRIME and Zopa can help them finance it. Click here to find out how.

Fool.co.uk – compare credit cards, mortgages and savings

The other day, our MD, Giles, went along to have a natter with Motley Fool's David Kuo to discuss whether Zopa could be better than your bank.
To hear their chat and find out more about Zopa, listen to the podcast now!

Got a question?

We've got a bunch of members on our forums who'll be happy to help you out:

  • Pick a current borrower's brain on how it works in the borrowing forum.
  • Get advice from existing lenders on how to get the best returns in the lending forum.
  • Have a chat about the weather, your new motor, or whatever takes your fancy in the chat room!