Rating Summary based on 11 reviews
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Detailed rating
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Advantages Better interest rates for borrowers and lenders alike - just don't expect it to be an easy ride
Disadvantages Lenders - Don't tie up money you might need quickly
MONIES FOR ME
09/03/2011
Advantages Easy to use, better rates than banks for lenders and borrowers
Disadvantages Lending for 36 or 60 months no other choice
evergreen46
Zone Of Possible Agreement
13/04/2007
Advantages Very easy to use
Disadvantages None worth mentioning
andyev
The wacky loan-zone
10/04/2007
Advantages Easy to use, excellent rates, cut out the banks
Disadvantages Some longer term rates can be less competitive for borrowers
Loan (ar) Ranger
10/08/2009
Advantages Fun, easy to lend, makes you feel good, can earn better interest than a bank sometimes.
Disadvantages Can lose your money, your money is tied up - I mean it's tied up for years (or forever)
bigmadeejit
You could earn the same profits as the Bank
31/12/2005
Advantages Better rates than you would get at a bank
Disadvantages None so far
Islander72
Banking on real people
18/08/2005
Advantages Not a bank, easy to use website, low rates, no early repayment fees
Disadvantages Max 3 years, rates not guaranteed
suehappiness
Win Win Situation for Borrowers or Lenders
30/06/2007
Advantages potentially very low borrowing rates
Disadvantages need good credit score
coledavis
Not as human as it looks.
26/12/2005
Advantages Efficient processing of data.
Disadvantages Illogical lending decisions, without feedback.
ciaohello
Alas, no such luck for the self-employed...
01/03/2007
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.