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 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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