Where people meet to lend
and borrow money
- • Get a low-cost loan with no sneaky
early repayment fees and pay your
interest to real people, not fat cats. - • Get great returns by lending to
real people, and let us do
the hard work in the middle.
Lending at Zopa
A smart way to get a return, alongside your savings and investments
Great returns
Some lenders are getting up to 14%pa, and the average return on all money lent over the last 12 months is 8.8%pa (figures shown are before tax and bad debt, but after fee)
It's human
Your money helps real people, rather than banks
It's safe
All the safety measures banks use... plus a few more:
- All borrowers are identity-checked, credit-scored and risk-assessed
- Your money is spread across at least 50 borrowers when you lend £500 or more
Borrowing at Zopa
Low, low rates
8.3% typical APR (based on £5,000 over 3 years in
the A* market).
No banks
Rather than making banks even richer, your interest goes to real people
It's fair
You can repay your loan early at no extra cost, and you get a rate based on your
creditworthiness