Earn a great return

Why Lending Works?



  • Up to 3 years
  • Up to 5 years

Start Lending Now >>

  • Market leading protection

    The only peer-to-peer lender with insurance against borrower defaults, fraud and cybercrime. As with all forms of lending, capital is at risk.

  • Inflation beating returns

    Great returns with no banks and no fees for lending

  • Flexibility

    Access your money early using Quick Withdraw

    Maximise returns using Auto Lend or take an income

How does the Shield protect your money?

There are a million things to worry about every day. Lending money shouldn’t be one of them. We protect lenders against borrowers defaulting for any reason, including:

  • Fraud or cybercrime

  • Accident, sickness or death

  • Redundancy or loss of employment

100% money safely returned to lenders

Insurance cover

Unique to Lending Works

A reserve fund

Whilst the Lending Works Shield protects our lenders, it does not remove our borrowers’ repayment obligations which remain due and recoverable by Lending Works. As with all forms of peer-to-peer lending, capital is at risk.

What are the Statistics?


0.01% Actual arrears

£2,633,097 Money lent

£114,000 Reserve Fund which covers arrears


0.00% Actual defaults

1.54% Expected defaults

Insurance which covers defaults

We’ve taken the belt and braces approach to protecting your money. We’ve combined our Reserve Fund - which is used to cover any missed or late loan payments (arrears) - with our unique insurance cover which protects you against loan defaults. No other peer-to-peer lender offers this.

Lending Works is a member of the P2PFA. Our statistics are calculated in accordance with P2PFA standards.



Eric, London

”Quick and simple to register and transfer money in. My money was quickly lent at a very good rate for 5 years, way better than my bank.“

Eric, London


Nick, Surrey

”After several years of very low returns from banks and building societies, I am happy to be earning from this investment.“

Nick, Surrey

Average lender rating:


of our customers would recommend Lending Works to a friend

How it works

Quick Sign-up

Sign up for a Lending Works account in a couple of minutes

Protecting Lending

Transfer money securely into your Lending Works Wallet

Flexible Lending

Decide how long you want to lend your money for - up to 3 or 5 years

Earn Money

Your money is lent to real people and you earn interest - enjoy watching it grow

”The Shield offers threefold protection against defaults, fraud and cybercrime“