I decided to borrow money for a car purchase and did a bit of research as to the best lenders. My bank was not very competitive even though there was a no questions asked loan available to me. I had heard of Zopa as a good investment platform but didn’t realise they were leaders in the APR league tables as well. The online application was very easy to complete and within a few days I had the loan amount arrive into my account. I’m guessing my credit rating is reasonable so I’m not sure if it will be as easy for people in different circumstances, but they get full marks from me.