Hi kfk,

The optimal interest rate is one of the most frequently debated questions among Zidisha lenders.

Zidisha doesn't set interest rates. Our platform allows borrowers to offer up to 25% interest, and lenders may fund at any rate they choose, up to the maximum offered by the borrower.

The borrowers who have the highest on-time repayment scores are displayed first in the "Lend" page, and these are generally able to raise loans at the lowest rates. Newcomers, or borrowers with less than stellar on-time repayment histories, usually need to offer higher rates in order to have their loans funded.