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Normal returns varies from 3.1% ~ 5% but is subject to P2P market conditions.
ZOPA was the first P2P lender in the UK. It was founded in London by James Alexander, Giles Andrews, Tim Parlett, Richard Duvall, David Nicholson
In 2011 the Peer-to-Peer Finance Association was established, with Zopa as a founding member.
ZOPA stands for Zone Of Possible Agreement, a negotiating term specifying the bounds within which agreement can be reached between two parties.
Zopa has a yearly party in Central London for its lenders so they can meet and talk about peer-to-peer technology