Prior to joining us, Andrew was Global CTO of Digital Channels at HSBC. When you click on these links, I can sometimes receive a commission, at absolutely no cost to you. Zopa is a true peer to peer lending company so lenders have loan agreements with borrowers. Zopa used to have a provision fund called “Safegaurd”. Despite the downsides, Zopa will still appeal to those looking to place money with a company that has the longest peer to peer lending track record. I am in the process of paying off my 12 month loan 9 months early as the loan was for a family … Just choose your product, decide what to do with payments and you are done. To start off this update, I need to apologize as I haven't done a public update of the site in a couple of months because, even though the P2P sector has been in turmoil for the last few months, not a great deal has changed with many of the lenders. Overall I think Zopa is a good option for investors who want to diversify with a well established company, although return rates are low for the risk. * My opinions, reviews, star ratings and risk ratings are based on my personal investing experience with the company being reviewed. I consider Zopa to be at the lower to medium end of the risk scale. **  Some of the links on this website are affiliate referral links. More on that in this review. Contact Zopa for further information. In the 14 or so years they have been in business, they have lent in excess of £3 billion from almost 80,000 active investors. Great interest rate and really easy to pay more and adjust direct debit. There’s no differentiation between the primary market and resale loans for buyers. Start Here, Zopa Group Limited’s company accounts can be seen here. Unsecured loans with no provision fund is a recipe for disaster in this environment in my opinion. No more than 1% of your total deposit will be invested into a single loan. I particularly liked Zopa’s growth and the pat actions it took to protect loan quality and lenders’ interest by limiting new investors due to unbalanced demand and supply. Providing personal loans to consumers around the UK, Zopa offer their investors the option to invest with one of the most experienced lenders in the world. Simply choose which product you want to invest in and where you want your repayments and interest to go. Zopa Loans Reviews. Zopa is very simple to use as lenders choose from two products with different risks. I have an Investment ISA with zopa … Originally a peer-to-peer lending platform, the company announced in November 2016 that it planned to launch a bank in 2018. Plus offers higher returns for those willing to take more risk. Amount Lent:£3 billion+ Email:[email protected] One good thing about Zopa is you don’t need much of an investment strategy. Zopa has always been heralded for being one of the safer peer to peer lending options. Get To Know Octopus Choice – Office Tour + Interview, Get To Know Growth Street – Office Tour + Interview, Moneything Closes Its Doors And Enters Administration – My Thoughts, Kuflink Review – My Peer To Peer Lender Experiences After 2 Years, Lending Works Review – My Experiences After 5+ Years Investing, Assetz Capital Review – My Lending Experiences After 5+ Years, Ratesetter Review – My Lender Experiences After 5+ Years, Landbay Review – My Lender Experiences After 4+ Years, Best Tracker Funds – Forget Single Stocks, Best Investments During Low Interest Rates. I only invest in the higher paying Plus product because the added risk has netted me 3%+ in expected extra returns. Is Zopa safe? Initially it is offered to existing customers, then during July current customers can sell their existing loans and buy them back within the Isa. Zopa Limited is a member of Cifas – the UK‘s leading anti-fraud organisation. Zopa will launch its peer-to-peer Isa to existing customers next month. You can see with full transparency on my Lending Returns page which lenders I am invested with (or have previously been invested with) at any point in time. Please read my full website Disclaimer before making investment decisions. Zopa received my first investment in late 2016. Then just choose which product you want to be part of your Zopa ISA. Ability to exit is never guaranteed. Zopa’s account changes led me to begin exiting the platform because the risks are no longer worth the returns. I have an Investment ISA with zopa and have been steadily increasing my investment over time. Zopa is a large concern, and they are the oldest Peer to Peer lender in the world. An innovative finance Isa (Ifisa) - is an Isa that contains peer-to-peer loans instead of cash (as in a cash Isa) or stocks and shares (as in an investment Isa). Innovative Finance ISA. It still doesn’t give me any confidence that in a steep economical downturn they can survive unsecured lending. Peer-to-peer lending matches up investors, who … Platforms reviewed on this website I am currently investing with, or I have invested with in the past. Kuflink Review – My Peer To Peer Lender Experiences After 2... My Trading 212 £5,500 Portfolio Experiment – November 29th Update, Funding Circle Review – My Lender Experiences After 5+ Years, 1% loan exit fee + possible market adjustment fee, Established 2005 / survived 2008 financial crisis / Over £5 billion lent, Existing Access and Classic account loans continue to be Safeguard protected until 2022, Completely hands-off automatic diversification and reinvestment, Possible to exit loans for a fee (never guaranteed), Easy to use website with simple investing options, Core account offers no Safeguard Provision Fund, Plus product interest returns are falling, 1% exit fee + market rate change fees make exiting expensive, Main company operating at a loss and has been for many years. Peer to peer lending can be very time-consuming. Selling fees can be high, my recent test showed an estimated sales fee of 6% (see above in the fee section). Loanpad, Lending Works, Zopa… We believe this firm has been carrying out consumer credit activities in the UK without our permission or … You can also open an innovative finance ISA with Zopa – these have the same features as its non-ISA products, with the benefit of returns being tax-free. Lending ISA.   How good are Zopa's interest rates, bad debts and margin of safety? Read more below in my exclusive Zopa review. The Plus product used to be more attractive but the lowered rates make it a less attractive choice for the risk involved. It is also important to look at the circumstances behind the company accounts and any future plans. How to Sign Up**:Sign Up Here! I’ve been on and off investing through Zopa because Zopa is incredibly easy to use and offers two simple investment choices (standard and ISA) that should appeal to a wide range of peer to peer lenders. Bank deposits usually show up in your account the same or next working day. If I look … The interest rates don’t seem that much greater for the extra risk to me so I just kept my money in core when I invested with Zopa. Due to abnormal market and economic conditions caused by the Coronavirus, I expect Zopa to be affected but higher borrower defaults and lower investor demand. These ratings are personal opinions and are subjective. Core has a £1,000 minimum investment and lenders’ funds are split into £10 slices and automatically invested across multiple borrower loans. Should the worst happen, any un-lent money is held in a bank account separated from Zopa’s assets. It is 1% of the amount, plus any difference between current rates, and the rates your loans are at. With the removal of the Safeguard fund, I don't think the new Core account is worth the risk since the returns are low. General EUR P2x Discussion. Would You Like A Copy of the Spreadsheet I Use for Tracking P2P Lenders? An innovative finance Isa (Ifisa) - is an Isa that contains peer-to-peer loans instead of cash (as in a cash Isa) or stocks and shares (as in an investment Isa). Zopa charges an exit fee for withdrawing capital early. Borrowers can take loans for up to five years. If you’d like to discuss your feedback further, please let us know and we can discuss it together, hr@zopa.com. And the product can be sheltered tax free in an Innovative Finance Isa from the beginning of April. Only U.K. investors can invest in the Zopa ISA. Easy; I was verified by providing identification documents and my account was opened within a few hours. Usually, I’m somewhat pessimistic when discussing company failure but it seems as if Zopa has provisions in place to protect lenders. since Zopa is UK’s biggest peer to peer platform it is important to know the company’s background, history and achievements. In January 2017, Zopa became the first UK based peer-to-peer lending company to lend more than £2 billion worth of loans. You should do your own research before investing any capital and not base investments solely on the opinions published on this site. Website:https://www.zopa.com Only U.K. investors can invest in the Zopa ISA. Zopa Reviews. Zopa is a British financial services company based in Buckinghamshire. I am not paid a fee by any of the companies to write reviews, so the reviews are unbiased and purely based on my own personal experiences. Huge loan book but can still take several days. Excellent service Excellent service, fast processing, helped me to get funds for a short term requirement. I appreciate Zopa’s approach to providing lenders with transparent loan book information. Peer To Peer Lending and Investing Reviews List, Peer To Peer Lending Guide – Not Sure Where To Start? Zopa’s consumer loans are unsecured which makes the loans more vulnerable during an economic downturn. The three different products offer different return rates due to the varying levels of risk, exit availability and fees. For example, if you own a £10 loan that you want to sell and the borrower hasn’t been making consistent payments, Zopa can estimate the value of the loan to be £9.50, meaning you would receive £9.50 rather than the £10 you paid for the loan.   Kuflink’s Peer to Peer business was launched in May 2016 in Gravesend, Kent UK. Estimated Return:4.5% to 5.2% - changes daily. Time will tell of course, but I prefer asset secured lending in this environment with companies like Kuflink, Loanpad or CrowdProperty when defaults happen I have something to sell and get my money back. Opinions expressed in this Zopa review are opinions based from my own personal experiences investing my own money. If not, you may need to send them a copy of your passport or driving license, and a utility bill or bank statement. I used to set all capital and interest payments to reinvest but since the return rate targets were lowered to the mid 4% range, I decided not to reinvest. Zopa Loans Reviews Warnings First published: 12/05/2015 Last updated: 06/12/2016 Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. Company Failure: This is a risk with every single peer to peer lending company.   From your account dashboard, you can view your loan portfolio: And view your expected payment schedule and download your personal loan book to a .CSV file: This page shows you how many borrowers have missed payments: From the Loan Book page, you can even download your entire loan book. All on Types Of Investment. Zopa has demonstrated that it has highly satisfactory and thorough processes in analysing and approving loans, as you would expect from this team. ** This Zopa review is for information purposes only and should not be regarded as investment advice. When you click on these links, I can sometimes receive a commission, at absolutely no cost to you. Loan Security:No. ZOPA has warned that millions of savers could risk losing money in cash ISA accounts that are paying out less than the rate of inflation. Financial services company Zopa announced today that it will launch its Innovative Finance ISAs (IFISA) in June. If you are risk-averse, there may be better options such as Lending Works, Growth Street and even Assetz Capital. * My opinions, reviews, star ratings and risk ratings are based on my personal investing experience with the company being reviewed. Zopa Review ** Zopa review updated December 24th, 2020 ** Founded in 2005, Zopa is the largest and oldest peer to peer company and one that survived the 2008 financial crisis. Zopa, however, is quite the opposite providing full statistics and data. Find Reviews Filter. Zopa Limited is authorised and regulated by the Financial Conduct Authority, and entered on the Financial Services Register (718925). My Trading 212 £5,500 Portfolio Experiment – Dec 22nd Update. You’ll be charged this fee if your loans have a lower expected return rate than a new equivalent loan. Zopa Review, Last Updated on 21st November 2020 by Mark, 5.2% Annual Returns Available Investing With The World’s Oldest Peer to Peer Lender! You should do your own research before investing any capital and not base investments solely on the opinions published on this site. Read 1 more review about Zopa Ltd Only the latest review will count in the company's TrustScore Stacey Hepple 4 reviews. Zopa facilitates investors lending money to unsecured consumer loan borrowers via two products, Core and Plus. Opening an account with Zopa is fairly easy. Here we review the services of the industry’s biggest name, Zopa, with a run down of what’s on offer for lenders and borrowers alike. This is how you disable reinvestment from your main Summary page: If you decide to sell your loans you will pay a 1% fee plus a Value Adjustment fee. The Core rate is probably equivalent to other instant access accounts (corrected for defaults). Please read my full website Disclaimer before making investment decisions. The Obvious Investor - 2020 - All Rights Reserved. Zopa do not pay interest on uninvested funds unfortunately, so you won’t get a return while funds are not invested. Min. Whilst I understand why Zopa has exit fees, I still dislike them. Zopa offers lenders a possible exit through their secondary market provided there are lenders to buy your loans. Email: contactus@zopa.com This review relates to the just-launched Zopa Credit Card. Coronavirus: how to protect your pensions and investments. Zopa has 75,000+ active investors who have lent over £3 billion to borrowers. I don’t receive commissions from all lenders and it has no effect on my ongoing opinions on lenders. T he Zopa Isa will be rolled out in stages. Loans Amortize:Yes This helps me to continue to offer new reviews and monthly portfolio updates here on my website. It reduces the risk of the loan compared to a non-amortizing loan in which nothing is received until the end of the loan period, or only interest is received monthly, and then the capital repaid at the end of the loan period. Platforms reviewed on this website I am currently investing with, or I have invested with in the past. Zopa now offer 3 distinct lender products, best described in their own words: Zopa Classic (4-5%) – Safeguard lending. Zopa is the first major UK peer-to-peer lender to gain FCA authorisation. £50 cashback for a £2,000 investment. The Zopa website also has some handy pages which show how loans are distributed and when repayments are due. Since Zopa was founded in 2005, it has arranged more than £1.1 billion in peer-to-peer loans and has been voted ‘Most Trusted Personal Loan Provider’ in the Moneywise Customer Service Awards for the … The discontinued Access and Classic accounts and the removal of the Safeguard Provision Fund is a recent negative change for those wanting the lowest possible risk levels. I tend to favour the Core product and use auto-invest so that no checking is required. Zopa were launched in 2005 in the UK. (See the explanation in the fee section earlier in the review). In most cases, I have invested or continue to invest my own money through the companies I write about. Clear All. Taking in to consideration that all loans are unsecured, and there is no Provision Fund, if Zopa were a new lender I would be very cautions. Loans within the Access and Classic accounts will continue to be covered by the pre-existing Safeguard Provision Fund until all existing loans have reached maturity. Save my name, email, and website in this browser for the next time I comment. * This opinion risk factors in loan types, interest returns, company history, default numbers and my own investing experience. They also offer a retirement account (Zopa ISA) for potential tax free investing. Where does the extra risk come from? Zopa loans are in heavy demand so there can be a lot of money in the queue before you. I use Zopa mainly as diversification, as their ‘Plus’ rate isn’t quite up to the returns seen elsewhere. Having said that, the recent rate trends have been rising. 5.2% Annual Returns Available Investing With The World’s Oldest Peer to Peer Lender! Your support enables me to continue to operate the Financial Thing website. Also I've had more pressing family... Growth Street Declares "Resolution Event" & Enters Controlled Wind-down. Manual Invest:No. Despite opening my account in 2015, I had previously steered clear of Zopa because I was put off by their financial losses as a business. Zopa Limited is registered with the Office of the Information Commissioner (Z8797078). All new loans will be through the non-Safeguard protected Core and Plus lending products. The accounts can only be opened and managed online or via mobile app and require a minimum deposit of … My Actual Return (Per Lender): 5.7% It can take anywhere from a few minutes to a few days to sell loans and withdraw capital in normal market conditions. Check out what 14,998 people have written so far, and share your own experience. Borrower risk levels are considered between A and C. The Core account isn’t covered by any Provision Fund so the risk level has increased. By browsing this site, you give the thumbs-up for cookies to be used. Search job titles. I think the removal of the Safeguard Provision fund means increased risks to lenders so I won’t invest in the low interest paying Core account. Very quick and efficient. Easy to use platform. Currently Zopa’s rates are just “target rates” so there is no guarantee that you’ll get the rates they are targeting. Plus: 1% loan sale fee + a possible market adjustment fee. Zopa is a true Peer to Peer Lending platform. Check out what 12,947 people have written so far, and share your own experience. This provides lenders with instant diversity and lower risk. I am not paid a fee by any of the companies to write reviews, so the reviews are unbiased and purely based on my own personal experiences. Peer To Peer Platforms: Who Are You Lending To? Read more about ISA’s here. Search job titles. You may also receive less than your loan’s value if interest rates have changed. Here is the Portfolio dashboard: While savings rates remain at historically dismal levels, Zopa’s Core and Plus products still underwhelm compared to the higher rate offerings by other peer to peer companies. ... Zopa Review… Equivalent Competitors. Zopa’s management team originally started off in banking (Egg Internet Banking), and then helped start the P2P lending revolution leading Zopa to become one of the biggest P2P Lenders in the world. Zopa has also tightened its new borrowers’ lending requirements. Zopa’s website has lots of interesting information on loan diversification and distribution. Zopa said like-for-like comparisons were difficult as its loan terms were different in each year. Location:London, UK    Default Rates:Around 3% from an expected 4.52% What kind of loans can you get from Zopa? History. If you have questions or comments, I’ll be happy to hear from you. These cookies are necessary for the website to function and cannot be switched off in our systems. Deposits and withdrawals are made by bank transfer from a UK bank. Zopa provides loans to consumers for personal loans, debt consolidation, car finance, home improvement, wedding loans and holiday loans among others for terms of up to 5 years. Now I have a passion for helping others figure out what took me years to learn. Our projected returns between 2.0% - 5.3% mean we’re nestled in the sweet spot between low-risk, low-return cash ISAs and the wild volatility of stocks and shares. “Zopa are declining, I absolutely prefer Ratesetter” Written on: 25/03/2017 by xsCarey186 (1 review written) I took out a loan from Zopa, upon experiencing financial difficulty I spoke with the Collections team to make them aware of my difficulties due to being made redundant. Even after 14 years in business; they still get excellent ratings on TrustPilot from their customers. I've had some credit troubles in the past, which are thankfully behind me now, but of course my credit history will record the difficulties I faced for six years from when I resolved the situation. Overall Rating*: (3 / 5) Founded in 2005, Zopa is the largest and oldest peer to peer company and one that survived the 2008 financial crisis. Zopa Limited (05197592) and Zopa … While this is good news for lenders, it will be nice to see some history of Zopa’s profitability over the next years. The godfather of peer to peer lending Zopa, has published some information on the forthcoming Innovative Finance ISA. As with any financial investment, peer to peer lending involves risks, so never invest more than you can afford to lose. If Zopa fails, even though Zopa has made failure provisions, investors could lose all of their money though it’s more likely they would lose some rather than all. 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