The fair and simple P2P platform

Invest in personal loans to creditworthy borrowers

With investments, your capital is at risk.

 
How lending works

Lending Works is a UK peer-to-peer lending platform that connects investors who want to lend money online with creditworthy borrowers who need 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. And here at Lending Works, we make investing as quick and easy as possible.

Learn more about IFISAs  >

 
Security first

We've combined three distinct layers of protection for your investment: the reserve fund, diversification and insurance. Together they form the Lending Works Shield.

Learn more about the Shield  >

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 a unique insurance cover. The result? Not a penny has been lost, and all investors have earned their expected returns.

Remember, past performance is not a reliable indicator of future performance, and your capital is at risk.


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

Tax-free investments with IFISAs

Tax-free. Innovative finance.

As one of the few FCA-regulated peer-to-peer lending sites in the UK, we're proud to offer Innovative Finance ISAs (IFISAs), which allow you to make 100% tax-free returns on your investments through peer-to-peer loans.

Projected returns are not guaranteed. As with all investments, your capital is at risk.

Open your ISA

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

Our customers have helped us win

Any questions?

We'd love to hear from you

Monday to Friday from 8am until 6pm.