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Queue management, explained

Whether you’re new to Zopa, or an early adopter making your umpteenth deposit, your new money follows the same path: it goes into the queue for your selected product where it waits to be matched to borrowers.

We always aim to lend out your money within a reasonable time. Queue lengths can vary, though. We thought we’d take this opportunity to give you a little insight into how our queues are managed:

  • How quickly we can lend your money is linked to demand: demand from approved borrowers, and demand from other lenders.
  • The size of the queue depends on how much demand there is from other lenders like you.
  • Speed of lending depends on demand from borrowers that meet our criteria for sensible lending.
  • Only new money goes into the queue. Your repayments, if you have relending switched on, are recycled back into the system and matched to borrowers ahead of new money. This is the reason for different queue lengths by product.
  • New money is queued per the date it was funded into Zopa.


If our forecasts show that the volume of new money into the platform will cause queue lengths to become unacceptable, we will temporarily stop accepting new money. This “platform limit” is the total amount of new funds we believe we can accept before queues get too long. We’ll keep you informed when a limit is in place via the Weekly Update and My Zopa.

Any questions? We’re here to help.

This post has been updated from the original of June 9th, 2016.

Photo credit: Paul Dufour, 2016