These fuckers are criminals at 50% APR! Like all lenders they rely on people with low credit ratings so they can charge more interest to mitigate the risk.
I applied for a loan with Zopa, they offered me a rate of 7%, I went back and adjusted my income at 5k more and the interest was then slashed to 3%!
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The rich always get the best rates or even free banking...
Makes sense though. Default rate on debt must be very high.