Earn a great return

Why Lending Works?



  • 5 year
  • 4 year
  • 3 year
  • 2 year
  • 1 year

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 your 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

Market leading lender protection

Lending Works Shield

An unprecedented level of protection within peer-to-peer lending, including:

  • Reserve fund to cover missed loan payments and borrower defaults
  • Insurance to cover fraud, cybercrime and borrower defaults not paid by the reserve fund
    Find out more »

Money safely returned to lenders: 100%

Ring-fenced Trust

Ring-fenced Trust * Data relates to loans issued in 2014.

Want more statistics? Check out our Statistics Centre »

Lending Works is a member of the P2PFA. Arrears and default rates are calculated in accordance with P2PFA standards. Click here to find out more.

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 your money securely into your Lending Works Wallet

Flexible Lending

Decide how long you want to lend your money for - from 1 to 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“