So Ive had 3 Zopa loans over the years, all of whi...

So Ive had 3 Zopa loans over the years, all of which I have paid off early and never missed a payment once. The first one I am sure I actually took a few years to close off. I have now had 3 straight refusals from them over the last 3/5 years for a new loan and my credit status is the same if not better. Pretty obvious that the clear strategy of Zopa is to take on only people who cannot pay off early at all or struggle with payments. A shame because it was a very quick, concise and clear service when they did allow me to use them before. One extra star for that so not 1 overall. Just a shame they penalise you for paying off early, when thats one of the things they have firmly pitched as a feature benefit of using them. Thats what it feels like anyway.