Fair financial services
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Earn up to 4.4% p.a. insurance-backed

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Your capital is at risk

Borrow at 5.9% APR Representative*

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Low-cost, fixed rate loans


Welcome to fair financial services

Lending Works isn’t like old fashioned financial services companies. We seamlessly connect people that want to invest their money with sensible borrowers who want to get a better rate on their personal loan, so both can get a better deal. Rather than focusing exclusively on profits, we focus on being fair, transparent and honest. These values not only make us proud of the way we treat our customers, but also help us to set a new standard in financial services.

Friendly, insurance backed lending

We’ve made growing your money easier than ever. Peer-to-peer lending shouldn’t be daunting, so we’ve reduced the complexity as well as adding our unique insurance cover. The result? Not a penny has been lost, and no (more) hairs have turned grey.

Start Lending

Straightforward personal loans

Our low-cost loans are quick and simple to arrange. Get a no-obligation personalised quote in just 2 minutes and once approved the money can be in your bank account within one working day.

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Our customers have helped us win

Moneynet Award Best Consumer Peer to Peer Platform - Lending Works
Moneywise Award Best P2P Platform for Savers - Lending Works
Moneywise Award Trust Provider Personal Loans - Lending Works
Moneyfacts Peer to Peer Provider of the Year - Lending Works

What our customers say

After researching, Lending Works offered the best balance of competitive returns and credible protection to me.


Don’t just take our word for it

Daily Mail
The Independetn
The Guardian
The Telegraph

We'd love to hear from you
020 7096 8512 cs@lendingworks.co.uk

*Representative APR applies to loans of £5,000 to £7,499. Other amounts between £1,000 and £25,000 are available at alternative rates. The rate you are offered depends on your personal circumstances, the loan amount and the repayment term, and may differ from the Representative APR. We will confirm your rate when you receive your personalised quote.