Earn a great return
Why Lending Works?
- Up to 3 years
- Up to 5 years
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
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
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?
0.0% Actual arrears
£2,633,097 Money lent
£114,000 Reserve Fund which covers arrears
0.0% 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, so you receive exactly what you’re expecting. 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.
Our market leading return is Rate Locked
Introducing Rate Lock, a market-beating interest rate offer available for a limited time. Due to surging demand from high quality borrowers we are pleased to announce we will lock lender returns so you can rest assured you will get a great return. No other fees apply, the rate displayed is the rate you get. As with all forms of peer-to-peer lending, capital is at risk.
- Rates are locked until Sunday 1st March 2015
- Easily access your money early using Quick Withdraw
- Your money is protected by the Lending Works Shield
At least 5% Up to 3 Years
At least 6% Up to 5 Years
”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.“
”After several years of very low returns from banks and building societies, I am happy to be earning from this investment.“
|Average lender rating:
of our customers would recommend Lending Works to a friend
How it works
Sign up for a Lending Works account in a couple of minutes
Transfer money securely into your Lending Works Wallet
Decide how long you want to lend your money for - up to 3 or 5 years
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“