How lending works
Because you set your own terms, you can tailor
your lending to suit your wants, needs or even
your star sign.
Choose a rate, risk level,
and time period
You set your rates and choose whether you want to lend for 3 or 5 years. You can also decide on the level of risk you're comfortable with using our markets. There are five different markets, A*, A, B , C and Young (for borrowers aged 20-25).
Transfer your money in
You transfer money into your Zopa account and it's made available to borrowers at the terms you set. You can lend from £10 to upwards of £25,000.
Your money gets lent out
We match your lending offers to loan requests from borrowers. You can see how much you've lent, who's borrowed from you and how much is still available when you sign in to your account.
Next... Different ways of lending