The fair and simple P2P platform
Invest in personal loans to creditworthy borrowers

Start investing

Get a loan

With investments, your capital is at risk.

The Telegraph
The Independent
Daily Mail
How lending works

Lending Works is a UK peer-to-peer lending company that seamlessly connects shrewd 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 

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 

Hassle-free peer-to-peer lending

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? Not a penny has been lost, and all investors have earned their expected interest - on time.

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

Start investing

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

Straightforward personal loans

Fast and simple. Low cost loans.

Our low-cost Peer-to-peer loans are quick and simple to arrange.

Get a no-obligation personalised quote in just two minutes and, once approved, the money can be in your bank account within one working day.

12.9% APR representative

Get a loan

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.