Your money, your choice
Zopa Listings gives you an even greater choice of real people to lend to. You decide who you want to lend to, how much you'd like to lend them and at what rate.
People looking to borrow are identity-checked and credit-scored, and all creditworthy borrowers are invited to create listings. You can browse through these listings, and make an offer on any that take your fancy. And if your offer is successful, your money gets lent out and you start making money.
How you lend, and who you lend to, are up to you - so you can choose a lending strategy that works for you.
How it works:
Browse the listings
Borrowers tell you about their financial situation and give you a guide as to the rate they're looking for. You'll also see their credit score.
Browse the listings now
Make an offer
If you believe the borrower is able to afford the loan, then decide the maximum amount you'd like to lend and what rate you want to receive.
Note that unlike Markets, Zopa doesn't provide predictions for bad debt on Listings.
The listing lasts for 5, 7 or 10 days
After that time the listing is closed, only the offers that combine to make the lowest possible rate for that loan are successful. If there were not enough offers to cover the total amount, the loan will not take place.
Your money gets lent out
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.
Fees