What are the default rates on Zopa loans, particularly for the higher risk markets?

Updated 1 year ago

All advertised headline rates are published net of expected defaults. We publish expected vs. actual default rates by calendar year so lenders can understand how Zopa has performed in relation to our original forecasts.

We also provide more detailed information on our projected annualised returns and expected default rates by risk market.

In addition Zopa’s entire historic loan book is available for customers to download if they wish to perform their own analysis on our loan book.

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