Zopa is a peer-to-peer lending platform based in the United Kingdom. Founded in 2005, it connects borrowers looking for loans with individual investors who want to earn interest on their money. This model allows borrowers to access funds at competitive rates while providing investors with the opportunity to diversify their portfolios. The platform offers various loan types, including personal loans and car finance. Zopa uses advanced technology to assess creditworthiness, ensuring that both borrowers and investors can engage in a secure and efficient lending process. Over the years, it has gained a reputation for transparency and customer service.