Rating Summary based on 11 reviews
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Advantages Very easy to use
Disadvantages None worth mentioning
Advantages Easy to use, excellent rates, cut out the banks
Disadvantages Some longer term rates can be less competitive for borrowers
Advantages Better rates than you would get at a bank
Disadvantages None so far
Advantages Not a bank, easy to use website, low rates, no early repayment fees
Disadvantages Max 3 years, rates not guaranteed
Advantages potentially very low borrowing rates
Disadvantages need good credit score
Advantages Efficient processing of data.
Disadvantages Illogical lending decisions, without feedback.
Advantages Zopa professes to help people with irregular incomes or short-term cash-flow requirements...
Disadvantages But in reality it does not take the 'individuals' circumstances into account.