ZOPA means Zone Of Possible Agreement, a negotiating term identifying the bounds within which agreement can be reached between two parties.

ZOPA was one of the first P2P lenders in the UK. It was founded in 2005 by James Alexander, Giles Andrews, Tim Parlett, Richard Duvall, David Nicholson

Zopa hosts an annual get-together in The Cotton Centre for its lenders so they can meet and talk about peer-to-peer finance

The Peer-to-Peer Finance Association was established in 2011, with Zopa as a founding member.

Typical Return on Investment ranges between 3.3% ~ 4.9% but is subject to peer-to-peer market variations.