ZOPA.COM

Zopa is the world's first social finance company.

Borrowing at Zopa

Rates for unsecured loans on Zopa are darn low. But that's just the start.

Because friends, family, and other Zopa members can help you pay down your loan, by investing in a Zopa Certificate of Deposit (CD).

That means as low as your rate is, it can go lower--even to zero!

APR as low as low as 8.49%

Social Finance

We pioneered the idea of online social finance, where people use the tools of financial services (like unsecured loans and investments and so forth) to help each other.

What does that mean for you? Answer: A better deal on an unsecured loan, and the feeling that you're a person, not just a dollar of revenue on some bank's financial statement.

The Zopa CD

A Zopa CD is guaranteed and insured way to earn a fixed rate
of return for a fixed term. Compare it to a "certificate of deposit"
at a bank or a "termshare certificate" at a credit union. But it's
different, too. Because your Zopa CD directly benefits the
borrowers you pick by reducing their monthly loan payments.

Today's Top APY 3.75% Compare with US Avg: 3.02% | Top 10 US Bank CDs: 3.73% (source: Bankrate.com, 20-May-2008)

With a Zopa CD, you choose the rate you want,
and you choose the borrowers you want to help.
The lower the rate you choose, the more Zopa
funds we'll earmark for your borrowers, to help
them with their monthly payments. It's a risk-free
way to help friends & family, too.

To buy a Zopa CD, you'll need to be a member
of one of our partner credit unions. That qualifies
your Zopa CD for NCUA insurance up to
$100,000. Not a member? We'll sign you up
online, lickety split.

Term: 1 year.

Annual Percentage Yield ("APY"): Set by you, up to today's maximum of 3.75%

Rate guarantee: Provided by each of our partner credit unions

Dividends: Paid at maturity

Early withdrawal: Possible, but with penalty of 3 month's dividends

Insurance: Up to $100,000 per Zopa member

Minimum: $500

Renewal: Set your preferences when you apply read more