"Zopa brings money-making opportunities to the private investor which were previously only open to institutions."

What do you get
for your money?

Making loans happen

The website is safe, secure and easy to use, and is open to lenders and borrowers 24 hours a day
We match offers made by lenders to loan applications made by borrowers
We take care of the contractual side of things between lenders and borrowers, so you don't have to deal with endless paperwork and legal documents
We distribute the money between parties

We use a company called Equifax to do an identity check on all potential lenders and borrowers
Everyone looking to borrow is credit-checked and risk-assessed. Anyone who we feel is not creditworthy will be prevented from borrowing at Zopa
People we're happy to let borrow at Zopa are put into either the A*, A, B or C market. This allows borrowers to get a rate that's right for them, and means lenders can manage their risk level
We diversify risk by spreading lenders' money across a range of borrowers. When a person lends £500 or more, his or her money is spread across at least 50 borrowers
Our underwriters individually assess each borrower's ability to repay before any loans are approved
A collections agency chases any missed payments on each lender's behalf. This is exactly the same process that banks and other financial institutions use
As thorough as we are, we always respect our members' privacy

Lenders get a whole new asset class. It isn't a savings account, it isn't an investment and it's independent from anything else in your portfolio
Lenders can choose their rates and loan lengths, and whether they want to lend in the A*, A, B or C markets
We provide information – including market data and expected levels of bad debt – to help lenders choose their terms
Lenders earn 0.75% below the prevailing Bank of England base rate (click here for the current base rate) in interest even while they're waiting for their money to be lent out – so your cash is always working for you

Behind Zopa is a dedicated, passionate team of people who have done this sort of thing before
Our customer service team is only an email away, 7 days a week
Our underwriting team comprises real live people (rather than just a bank of computers) who look at every borrowing application on an individual basis. They're highly trained and very, very good at what they do
Our technology team are constantly looking for ways to improve the site. It's good already, but we're going to keep improving it and innovating
Our marketing team works hard to spread the word about Zopa and actively seeks out lenders and quality borrowers. Because the more people there are at Zopa, the more people there are to lend to and borrow from – and the better it is for everyone.