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Does anyone have any experience with Zopa?

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Look it up under zopa dot com if you're not familiar. It's somewhat similar to Prosper but I don't think you have to get any bids; your loan is simply approved if you meet certain criteria like FICO score of 640 and above, and a few others.

Looks pretty attractive - I don't quite understand the "helping" part (people can bid on partially underwriting your loan to lower your payments - I have not taken the time to read every last word so I don't quite get it yet.)

Since everyone is talking about Prosper, I thought this might be useful to someone, possibly even us eventually. Anyone have any experience with it?

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