Zopa offers two ways to lend and borrow money. One method uses the markets, where lenders offer loans on an open market to anyone who qualifies for that market. A second method uses Listings, which offer the borrower to place an "advert" for a loan, allowing them to justify their need. This is designed to allow the borrower the ability to explain why they're a good candidate for a loan and to allow the lender to be more discriminate as to the causes he / she wishes to help support. Each loan is tailor made, with each lender actively offering money at a rate that the lender decides on a case-by-case basis.
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