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ZOPA was one of the first P2P lenders in the UK. Zopa was created in London by Giles Andrews, James Alexander, Richard Duvall, David Nicholson, Tim Parlett
ZOPA stands for Zone Of Possible Agreement, a term identifying the bounds within which agreement can be reached between two negotiating parties.
The Peer-to-Peer Finance Association was established in 2011, with Zopa as a founding member.
Zopa has a yearly get-together in The Cotton Centre for its lenders so they can all meet and talk about finance
Normal returns varies from 3.1% to 4.9% but is subject to variations in the market.