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Zopa are one of the oldest P2P lenders in the market. Since 2005, they have approved £3.64bn worth of loans with APRs ranging from 2.9% to 34.9% and currently approve more than £2m per day. They currently offer 2 main products; Zopa Core and Zopa Plus that are not protected by a provision fund however both products employ a 1% diversification limit to ensure a reduced risk deposited funds. Zopa Core only targets A*-C borrowers, whereas Zopa Plus also includes D & E borrowers to achieve higher returns for additional risk.

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Peer to peer lending

Zopa is the UK's leading peer-to-peer lending service. We reward people who are good with their money by providing low rate loans and high interest returns.

Since Zopa was founded in 2005 we've helped people lend more than £594 million in peer-to-peer loans. We've also been voted 'Most Trusted Personal Loan Provider' in the Moneywise Customer Awards for the past 5 years in a row.

More than 52,000 people are lending between £10 and £1 million to credit worthy borrowers.

Zopa is a founding member of the industry group the P2PFA. We sought and won regulation for the industry. We're authorised and regulated by the Financial Conduct Authority (firm registration number 563134).

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