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Peer to peer lending » Funding Circle vs Zopa

Funding Circle vs Zopa

Funding Circle Established 2009

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  • Choose between two accounts; IFISA and Classic.
  • Choose lending options; Conservatively (Projected return 4.3 - 4.7%) or Balanced (Projected return 4.5 - 6.5%)
  • There are no fees for selling loans.
  • No fees to access funds.
  • Minimum investments from £1,000.

* correct as of 13/11/2019

VS

Zopa Established 2004

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  • 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






  • 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