What are 'D&E markets' or 'D&E borrowers'?

Updated a month ago

Today, when a borrower makes a loan application, we score their application using a wide range of information, such as income, mortgage and debt levels, to give them a rating from A*–E.

All customers accepted by Zopa must continue to meet our strict lending criteria for UK residency, minimum age, income and affordability. Customers may be scored as D or E due to a number of factors, including higher levels of personal debt or limited credit histories, which makes them slightly higher risk than our C-rated customers. Find out more about our risk markets.

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