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Zopa - anyone use it for lending/saving?

I was having a look at the interest I get from the bank and it is pathetic....even the ISA and high interest stuff is pretty poor, struggling to get over inflation.

A news article I read recently mentioned the website Zopa as a place to get a better return.


basically it is a lending/borrowing collective setup, people ask for a loan, you offer to lend an amount for a certain interest rate and they either accept or decline.

I was just wondering if anyone here has ever used them? I'm not going to drop the family savings into it, but I have a spare couple of hundred which is sitting in a carp interest account i thought i might give it a go.


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