The fair and simple P2P platform

Invest in personal loans to creditworthy borrowers

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With investments, your capital is at risk.

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How lending works

Lending Works is a UK peer-to-peer lending platform that connects smart investors looking for a return on their money with sensible borrowers looking for a personal loan.

Learn more about P2P lending  >

 
Innovative Finance ISA

An Innovative Finance ISA (IFISA) allows you to enjoy all the benefits of peer-to-peer lending within a tax-free wrapper. Invest up to £20,000 each year and transfer any existing ISA for free.

Learn more about IFISAs  >

 
Diversified portfolio

Investors benefit from a diversified portfolio of personal loans, in addition to first-loss cover across our entire loan book provided by the Lending Works Shield.

Learn more about the Shield  >

A smart, flexible and hands-off investment

A smart, flexible and hands-off investment

Easy to set up. Easy to use.

Peer-to-peer lending shouldn’t be daunting, so we’ve reduced the complexity as well as adding first-loss cover provided by the Lending Works Shield. The result? A flexible, diversified and hassle-free investment.

Remember, with investments your capital is at risk.

Start investing

For more information, read our guide: How safe is peer-to-peer lending? 

Tax-free investments with IFISAs

Tax-free investments with IFISAs

Innovative finance. Tax-free.

Invest up to £20,000 each year and easily transfer any existing ISA into our Innovative Finance ISA (IFISA). Benefit from tax-free interest on your peer-to-peer investment, while enjoying the same great benefits as our Classic account.

Projected returns are not guaranteed. With investments, your capital is at risk.

Open your ISA
Tax-free investments with IFISAs

Find out more by reading our guide: What is an Innovative Finance ISA 

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The Lending Works Shield does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The Lending Works Trustee has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Lending Works Shield when considering whether or how much to invest. For more information click here.