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Zopa


Zopa built the first ever peer-to-peer (P2P) lending company in 2005 to provide access to simple, better-value loans and investments. They have since helped hundreds of thousands of customers take the stress out of money by building a business on honesty, transparency and trust.

To better manage money, Zopa want to give their customers access to a range of products and tools by launching a different type of bank.

  • Target returns of up to 5.2%
  • Minimum investment is £1,000
  • Terms are available up to 5 years.
  • £4.5 billion in personal loans lent to over 470,000 UK consumers
  • £280 million interest generated for over 60,000 investors

* correct as of 14/10/2019


Invest from £1000 Borrow up to £25,000

Zopa Borrower rate vs Default rate

* Borrower rate represents the gross interest rate charged to the borrower. * Definition of what represents a default will vary according to each platform. * Default value represents loans originating from that month


  • Total lent

    The total amount ever lent out by the platform

    £4,032,744,637

  • Average loan

    The mean average loan amount

    £7,101

  • Biggest loan

    The single biggest amount lent out

    £35,000

  • Biggest default

    The single biggest default

    £29,910

  • Min investment

    The minimum amount needed to invest

    £1000

  • Established date

    04/08/2004

Products


Zopa Core

Min investment
£1,000.00
Estimated return
4.5%

Zopa Core investors can expect potential returns of 4.5% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Core borrowers range from A* - C, meaning they are low-risk loans.

This product is available as an IFISA, which follows the guidelines as set out by UK government.

Zopa Plus

Min investment
£1,000.00
Estimated return
5.2%

Zopa Plus investors can expect potential returns of 5.2% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Plus borrowers range from A* - E, meaning they contain the full range of loans offered on the platform.

This product is available as an IFISA, which follows the guidelines as set out by UK government.

IFISA

Min investment
£1,000.00
Estimated return
up to 5.2%

With an IFISA, Zopa customers can earn interest tax-free on their P2P investments by depositing up to £20,000 in the current tax year. Both the Zopa Core and Zopa Plus products can be converted into this IFISA product and customers can receive the same benefits, without having to pay tax on their earnings.

This IFISA's flexibility means that customers can withdraw and replace any funds without affecting their annual limit. There is also the option of transferring-in ISAs from other providers, as well as transferring-out a Zopa ISA to other providers.


Disclaimer

The statistics are generated from data we have collected. We can not guarantee that there are no errors, omissions or inaccuracies.

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  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph