Personal Loans

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Zopa Personal Loans - Instant Free Quote
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Zopa Personal Loans - Instant Free Quote
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Zopa, started over in the UK, launched in the USA in partnership with 6 Major Credit Unions on December 4, 2007. The USA model is somewhat varried from that elsewhere due to regulatory restrictions. Customers can be "Investors" or "Borrowers". This is turn reduces many of the associated costs of lending.

Borrowers can obtain a loan via Zopa itself, or from one of the associated Credit Unions. Borrowers will then post a profile on Zopa giving some details about themselves.

Investors buy a Zopa Certificate of Deposit. Investors are able to help Borrowers buy offering them a slice of the return on their CD, reducing the amount of interest the Borrower has to pay. If enough Investors help a single Borrower then all of their repayments can be covered.