Introducing Rate Lock for a limited time only!

Invest in personal loans through our fair and simple P2P platform
Rates locked from Monday 11th March to Sunday 5th May

Open your ISA

With investments, your capital is at risk. Why Rate Lock?
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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 

Exceptional protection

Threefold protection for lenders, including an industry-first insurance against borrower default. The Lending Works Shield goes the extra mile
to help protect you.

Learn more about the Shield 

Insurance-backed 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 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.

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? 

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