{"id":39686,"date":"2025-03-19T10:20:59","date_gmt":"2025-03-19T10:20:59","guid":{"rendered":"https:\/\/www.zopa.com\/retail-finance\/?p=39686"},"modified":"2025-03-19T11:20:14","modified_gmt":"2025-03-19T11:20:14","slug":"retail-finance-garden","status":"publish","type":"post","link":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/","title":{"rendered":"Millennials and high earners drive surge in garden product finance"},"content":{"rendered":"
\n
\n
\n

2023 VS 2023 Retail Finance consumer trends for the UK Outdoor and Garden sector\u00a0\u2013 by Zopa Bank Retail Finance<\/h1>\n

 <\/p>\n

With peak season approaching, UK outdoor and garden merchants must understand shifting consumer finance trends. Exclusive\u00a0<\/span>Zopa Bank Retail Finance<\/span><\/b>\u00a0data* shows more high earners using finance, bigger spending, and a strong preference for longer-term options. Adapting to these trends will be key to boosting sales and protecting margins.<\/span>\u00a0<\/span><\/p>\n

We\u2019ve examined our data for peak trading periods April \u2013 August, comparing 2023 to 2024.<\/p>\n

Who is buying garden products on finance?<\/span><\/b>\u00a0<\/span><\/h2>\n

1. Millennials lead the way<\/span><\/b>\u00a0<\/span><\/h3>\n

The biggest customer group using Retail Finance for outdoor and garden products are 31\u201340-year-olds, making up 35% of sales for the past two years. Millennials remain the dominant group in this space.<\/span>\u00a0<\/span><\/p>\n

2. Spending trends on the rise<\/span><\/b>\u00a0<\/span><\/h3>\n

The average Retail Finance order for UK outdoor and garden merchants reached\u00a0<\/span>\u00a31095 in 2024<\/span><\/b>, up\u00a0<\/span>23% from \u00a3891 in 2023<\/span><\/b>. With rising prices and increasing consumer demand, this trend is expected to hold as the sector enters its peak season in 2025. In Q3 2024 alone, spending on home and garden equipment hit approximately\u00a0<\/span>\u00a32.1 billion<\/span><\/b>.<\/span>\u00a0<\/span><\/p>\n

3. Higher-income customers are using finance the most<\/span><\/b><\/h3>\n

Retail finance is no longer just for lower-income shoppers. The\u00a0<\/span>income profile has shifted<\/span><\/b>\u00a0significantly:<\/span>\u00a0<\/span><\/p>\n

\u2013 Customers earning\u00a0<\/span>\u00a30-30k<\/span><\/b>\u00a0dropped from\u00a0<\/span>40% in 2023<\/span><\/b>\u00a0to\u00a0<\/span>29% in 2024<\/span><\/b>.<\/span>\u00a0<\/span><\/p>\n

\u2013\u00a052% of financed purchases in 2024<\/span><\/b>\u00a0were from customers earning\u00a0<\/span>\u00a340k+,<\/span><\/b>\u00a0up from\u00a0<\/span>38% in 2023<\/span><\/b>.<\/span>\u00a0<\/span><\/p>\n

\u2013 More shoppers now have stronger credit ratings\u2014<\/span>66% had a score above 627 in 2024<\/span><\/b>, compared to\u00a0<\/span>55% in 2023<\/span><\/b>.<\/span>\u00a0<\/span><\/p>\n

What finance options do customers want?<\/span><\/b>\u00a0<\/span><\/h2>\n

12-month interest-free credit dominates<\/span><\/b><\/h3>\n

Our 12 months IFC option was chosen by\u00a0<\/span>70% of outdoor and garden customers<\/span><\/b>\u00a0in both 2023 and 2024. Shorter-term options are far less popular:<\/span>\u00a0<\/span><\/p>\n

\u2013\u00a0 9-month interest-free:<\/span><\/b>\u00a015%<\/span>\u00a0<\/span><\/p>\n

\u2013 6-month interest-free:<\/span><\/b>\u00a010% (down 2.5% from 2023)<\/span>\u00a0<\/span><\/p>\n

 <\/p>\n

While interest-free credit remains king,\u00a0<\/span>most customers want to spread payments over at least 12 months<\/span><\/b>. With standard Buy Now Pay Later (BNPL) options of 2-6 months no longer meeting this demand, merchants should consider offering\u00a0longer-term finance<\/a>\u00a0to capture more sales.<\/span>\u00a0<\/span><\/p>\n

Balancing profit margins and finance options<\/span><\/b>\u00a0<\/span><\/h2>\n

Offering interest-free credit can cut into profits, especially on lower-priced items like gazebos, deck chairs, and lighting. Many long-term retail finance providers set minimum spend thresholds. Merchants who bundle products into single credit agreements can increase order values and protect margins, while still catering to demand for\u00a0longer-term finance<\/a>.<\/span>\u00a0<\/span><\/p>\n

 <\/p>\n

As consumer preferences evolve, businesses must adapt to remain competitive in the outdoor and garden sector. Partnering with a Retail Finance provider who can help build and implement a sustainable strategy that can be adjusted to keep profits high is key.<\/span>\u00a0<\/span><\/p>\n

 <\/p>\n

Source<\/span>:\u00a0<\/span><\/span>*<\/span>This data has been exclusively shared by\u00a0<\/span><\/span>Zopa Bank Retail Finance<\/span>\u00a0in February 2025,<\/span><\/span>\u00a0which partners with\u00a0<\/span>merchants sellin<\/span>g\u00a0<\/span>Outdoor and Garden products<\/span>\u00a0including\u00a0<\/span>Grass Warehouse and Dusk.<\/span><\/span> Data represents retail finance sales for DivideBuy merchants April-August for 2023 & 2024.<\/span><\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Your Sales and Finance teams both play a crucial role in Retail Finance, but are their objectives aligned?<\/p>\n","protected":false},"author":5,"featured_media":39693,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[],"class_list":["post-39686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-topicstrends"],"acf":[],"yoast_head":"\nMillennials and high earners drive surge in garden product finance - Zopa Finance<\/title>\n<meta name=\"description\" content=\"Your Sales and Finance teams both play a crucial role in Retail Finance, but are their objectives aligned?\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Millennials and high earners drive surge in garden product finance - Zopa Finance\" \/>\n<meta property=\"og:description\" content=\"Your Sales and Finance teams both play a crucial role in Retail Finance, but are their objectives aligned?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/\" \/>\n<meta property=\"og:site_name\" content=\"Zopa Finance\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-19T10:20:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-19T11:20:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2025\/03\/pexels-marianne-67058-238385-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1487\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marcus Hann\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marcus Hann\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/\"},\"author\":{\"name\":\"Marcus Hann\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#\\\/schema\\\/person\\\/6e37bb77b3406c97e3d52f60f7991877\"},\"headline\":\"Millennials and high earners drive surge in garden product finance\",\"datePublished\":\"2025-03-19T10:20:59+00:00\",\"dateModified\":\"2025-03-19T11:20:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/\"},\"wordCount\":461,\"publisher\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-marianne-67058-238385-scaled.jpg\",\"articleSection\":[\"Industry Topics|Trends\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/\",\"url\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/\",\"name\":\"Millennials and high earners drive surge in garden product finance - Zopa Finance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-marianne-67058-238385-scaled.jpg\",\"datePublished\":\"2025-03-19T10:20:59+00:00\",\"dateModified\":\"2025-03-19T11:20:14+00:00\",\"description\":\"Your Sales and Finance teams both play a crucial role in Retail Finance, but are their objectives aligned?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-marianne-67058-238385-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-marianne-67058-238385-scaled.jpg\",\"width\":2560,\"height\":1487},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/blogs\\\/retail-finance-garden\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Millennials and high earners drive surge in garden product finance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#website\",\"url\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/\",\"name\":\"Zopa Finance\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#organization\",\"name\":\"Zopa Finance\",\"url\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/zopa-logo.png\",\"contentUrl\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/zopa-logo.png\",\"width\":512,\"height\":105,\"caption\":\"Zopa Finance\"},\"image\":{\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.zopa.com\\\/retail-finance\\\/#\\\/schema\\\/person\\\/6e37bb77b3406c97e3d52f60f7991877\",\"name\":\"Marcus Hann\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9fbae4c1365969fa9c303e4f37cb61f140fd8d2507277bf87dbe42db94381b1f?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9fbae4c1365969fa9c303e4f37cb61f140fd8d2507277bf87dbe42db94381b1f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9fbae4c1365969fa9c303e4f37cb61f140fd8d2507277bf87dbe42db94381b1f?s=96&d=mm&r=g\",\"caption\":\"Marcus Hann\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Millennials and high earners drive surge in garden product finance - Zopa Finance","description":"Your Sales and Finance teams both play a crucial role in Retail Finance, but are their objectives aligned?","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Millennials and high earners drive surge in garden product finance - Zopa Finance","og_description":"Your Sales and Finance teams both play a crucial role in Retail Finance, but are their objectives aligned?","og_url":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/","og_site_name":"Zopa Finance","article_published_time":"2025-03-19T10:20:59+00:00","article_modified_time":"2025-03-19T11:20:14+00:00","og_image":[{"width":2560,"height":1487,"url":"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2025\/03\/pexels-marianne-67058-238385-scaled.jpg","type":"image\/jpeg"}],"author":"Marcus Hann","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Marcus Hann","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/#article","isPartOf":{"@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/"},"author":{"name":"Marcus Hann","@id":"https:\/\/www.zopa.com\/retail-finance\/#\/schema\/person\/6e37bb77b3406c97e3d52f60f7991877"},"headline":"Millennials and high earners drive surge in garden product finance","datePublished":"2025-03-19T10:20:59+00:00","dateModified":"2025-03-19T11:20:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/"},"wordCount":461,"publisher":{"@id":"https:\/\/www.zopa.com\/retail-finance\/#organization"},"image":{"@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/#primaryimage"},"thumbnailUrl":"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2025\/03\/pexels-marianne-67058-238385-scaled.jpg","articleSection":["Industry Topics|Trends"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/","url":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/","name":"Millennials and high earners drive surge in garden product finance - Zopa Finance","isPartOf":{"@id":"https:\/\/www.zopa.com\/retail-finance\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/#primaryimage"},"image":{"@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/#primaryimage"},"thumbnailUrl":"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2025\/03\/pexels-marianne-67058-238385-scaled.jpg","datePublished":"2025-03-19T10:20:59+00:00","dateModified":"2025-03-19T11:20:14+00:00","description":"Your Sales and Finance teams both play a crucial role in Retail Finance, but are their objectives aligned?","breadcrumb":{"@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/#primaryimage","url":"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2025\/03\/pexels-marianne-67058-238385-scaled.jpg","contentUrl":"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2025\/03\/pexels-marianne-67058-238385-scaled.jpg","width":2560,"height":1487},{"@type":"BreadcrumbList","@id":"https:\/\/www.zopa.com\/retail-finance\/blogs\/retail-finance-garden\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.zopa.com\/retail-finance\/"},{"@type":"ListItem","position":2,"name":"Millennials and high earners drive surge in garden product finance"}]},{"@type":"WebSite","@id":"https:\/\/www.zopa.com\/retail-finance\/#website","url":"https:\/\/www.zopa.com\/retail-finance\/","name":"Zopa Finance","description":"","publisher":{"@id":"https:\/\/www.zopa.com\/retail-finance\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.zopa.com\/retail-finance\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.zopa.com\/retail-finance\/#organization","name":"Zopa Finance","url":"https:\/\/www.zopa.com\/retail-finance\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zopa.com\/retail-finance\/#\/schema\/logo\/image\/","url":"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2024\/05\/zopa-logo.png","contentUrl":"https:\/\/www.zopa.com\/retail-finance\/wp-content\/uploads\/2024\/05\/zopa-logo.png","width":512,"height":105,"caption":"Zopa Finance"},"image":{"@id":"https:\/\/www.zopa.com\/retail-finance\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.zopa.com\/retail-finance\/#\/schema\/person\/6e37bb77b3406c97e3d52f60f7991877","name":"Marcus Hann","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/9fbae4c1365969fa9c303e4f37cb61f140fd8d2507277bf87dbe42db94381b1f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9fbae4c1365969fa9c303e4f37cb61f140fd8d2507277bf87dbe42db94381b1f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9fbae4c1365969fa9c303e4f37cb61f140fd8d2507277bf87dbe42db94381b1f?s=96&d=mm&r=g","caption":"Marcus Hann"}}]}},"views":867,"_links":{"self":[{"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/posts\/39686","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/comments?post=39686"}],"version-history":[{"count":5,"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/posts\/39686\/revisions"}],"predecessor-version":[{"id":39698,"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/posts\/39686\/revisions\/39698"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/media\/39693"}],"wp:attachment":[{"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/media?parent=39686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/categories?post=39686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zopa.com\/retail-finance\/wp-json\/wp\/v2\/tags?post=39686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}