Zopa blog
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Current account vs savings account: how to find the right fit for your finances
When it comes to opening a bank account, you’ll normally be choosing between two options: a current account or a savings account. But what’s the difference? And how do you know what’s the best option for your finances?
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Declaring your Zopa earnings to HMRC
With the new tax year fast approaching, we’ve put together a handy guide to help you find what you need to do to declare your Zopa investments to HMRC. Do I have to pay tax on the money I earn through my Zopa investments? All Zopa earnings are paid to you without any tax deducted,
•We have a new look!
After months of research, development, and testing, we’re thrilled to unveil our brand new look. This fresh new identity will give us a springboard for our ambitious plans to bring our products to even more UK consumers, and create radically personalised services that will help people fully realise their financial potential. While a lot has
•Zopa announces plan to launch "Next Generation" Bank
We launched Zopa in 2005 to create a richer life for everyone by making money simple and fair. Since then, we have lent over £1.8bn, inspired a £100bn global industry and helped our lenders earn over £75m of interest. We have built a profitable, scalable and viable business. Yet we’ve only just begun.
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Zopa and credit scores
We want to explain exactly how Zopa uses your credit history and other information to make lending decisions. Step one – the soft credit search When you ask for a quote from Zopa, we initially perform a soft credit search. This involves asking our two credit reference agencies, Equifax and Callcredit, for information about your
•The Zopa soft search and your credit file
If you apply for a loan, credit card or mortgage but get rejected, it can – in some cases – make you even less likely to obtain a deal elsewhere. This Catch-22 situation facing borrowers is due to the fact that formal loan applications are recorded on their credit files.
•How to sell your home through online agents
September is a prime time to sell your home: everyone’s back after the summer holidays, the weather is still ok and thoughts have yet to turn to Christmas. But how we sell our properties is changing thanks to the rise of a number of internet-only estate agent services, such as eMoov, PurpleBricks and the Sarah
•Zopa's arrears management process explained
Treating customers fairly and delivering value to them is the central idea behind Zopa. This means giving consistent returns to the lenders while offering competitive rates to our borrowers. Our responsible lending practices created through sophisticated data analysis and underwriting has enabled Zopa to fulfill this promise for the last 10 years.
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