I've had about 3 loans off zopa and a credit card all paid off and closed my only issue is if I wanted another loan they are at 22%APR yet my credit file on experian score is 999 and on check my file 962 sorry zopa but with excellent credit worthyness like mine is now I dont think your rates are great

That said the process is smooth as silk and they helped me when I was a student but for now zopa it's good bye but they are efficient