your credit score rates often lower than the banks see our loan rates become an investor sign in my zopa sign out based on over 450 reviews just how loans should work just agreed a loan with zopa . lowest rate in the market simple and straightforward online application with easy upload of supporting documents and a quick agreement . no penalties for early settlement . why can t banks operate like this faultless . jem 12 february our awards see all awards what the press says zopa is the pioneer of peer to peer lending which uses the internet to cut out the banks entirely . it matches savers with individuals who want to borrow leaving out the bank and offering better rates all round . the guardian become a zopa lender zopa lenders have earned millions of pounds in interest by lending money directly to responsible borrowers . with peer to peer lending your capital is at risk and isn t covered by the financial services compensation scheme fscs . lend your money got a question email contactus zopa.com telephone 020 7580 6060 we can t take applications over the phone . uk residents only . calls may be monitored or recorded . based on over 450 reviews loans zopa loans debt consolidation home improvements car finance weddings loan reviews faqs for loans about zopa about zopa blog partnerships working at zopa meet the team press office contact zopa navigation homepage sitemap privacy policy principles cookie policy conflicts policy social media twitter facebook google we have placed cookies on your computer to help make this website better . find out more about our cookies and how to change your settings otherwise we ll assume you re ok to continue . hide this message zopa limited 2016 all rights reserved . zopa and the zopa logo are trade marks of zopa limited . zopa is a member of cifas the uk s leading anti fraud association and we are registered with the office of the information commissioner no . z879078 . zopa limited is incorporated in england & wales registration number 05197592 with its registered office at 1st floor cottons centre tooley street london se1 2qg . zopa limited is authorised and regulated by the financial conduct authority and entered on the financial services register under firm registration number 563134 .