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Help Centre

Can't find what you're looking for, or is something not clear? Find the answers here.

Lender help Borrower help Finance guides

Complaints and borrower safety

  1. Complaints
  2. Network security
  3. Borrower Terms and Conditions
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Getting started

  1. What are the criteria for getting a loan with Lending Works?
  2. Getting a quote
  3. Completing your loan application
  4. Your borrower dashboard
  5. Cancelling your loan application
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Lending Works

  1. Why we exist
  2. Our vision
  3. Our mission
  4. Peer-to-peer lending explained
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Rates, fees and repayments

  1. Annual Percentage Rate (APR)
  2. How we determine your APR
  3. What happens if I miss a repayment?
  4. If you have difficulty with your repayments
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Assessing your application

  1. What happens next?
  2. Underwriting process/criteria
  3. Calculating the APR
  4. Verification and fraud
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Popular

  1. Why borrow with us
  2. Who borrows with us?
  3. Common loan purposes
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Declined applications

  1. If your application is declined
  2. Your credit rating
  3. Improving your credit score
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Managing your loan

  1. Accepting your loan offer
  2. Cooling-off period
  3. Changing your monthly repayment date
  4. Making overpayments
  5. Settling your loan early
  6. Closing your borrower account
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File upload

  1. Uploading files to your dashboard
  2. Bank statement upload
  3. Waiting for your decision
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Didn't find what your are looking for?

Contact our support

The Lending Works Shield does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The Lending Works Trustee has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Lending Works Shield when considering whether or how much to invest. For more information click here.

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Lending Works Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 723151), a member of Cifas (leaders in fraud prevention) and registered with the Information Commissioner's Office (ICO) (registration number ZA002001). Lending Works Limited is registered in England and Wales (company number 8302549) and its registered office is at  55 Old Broad St, London, EC2M 1RX. All data from this website (including statistical or market data) is protected by © and may not be used for any purpose without a licence. © Lending Works Limited 2020. All rights reserved.