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
Our lenders are getting returns over 5.6% pa (after charges and actual average annualized defaults, over last 12 months)
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 in tiny chunks across all your borrowers to limit risk
Borrowing at Zopa
Low, low rates
7.53% 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