Zopa is a peer-to-peer lending platform launched in 2005 based in London that allows individuals to borrow and lend money. It operates in the UK, US, Italy and Japan, offering unsecured loans between $500 to $25,000 for 5 years at 0% interest. Zopa aims to increase access to credit by connecting borrowers directly with lenders, with loans underwritten by credit unions to reduce risk. While it has grown significantly since inception, Zopa believes it can continue to carve out a niche in the online lending market.