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Getting started

  1. What are the criteria for investing with Lending Works?
  2. How do I create a Lending Works account?
  3. What's the difference between a Classic and an ISA account?

  1. What are the criteria for investing with Lending Works?

    To sign up as an investor with Lending Works, you must have a UK bank account, be at least 18 years of age and be a registered UK tax payer. See also Can I invest with Lending Works if I don't live in the UK?

    We'll also need to validate your identity to help prevent money laundering and other financial crime.

    For more information, please see section 6 of our terms and conditions.

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  2. How do I create a Lending Works account?

    Creating your Lending Works account is easy. Simply complete a short sign-up form, accept our terms and conditions and you're all set up.

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  3. What's the difference between a Classic and an ISA account?

    The Classic account is your general investment account, which is provided to all investors by default.

    The ISA account is an 'Innovative Finance ISA' - an Individual Savings Account which allows investors to subscribe up to £20,000 each tax year and earn tax-free interest on the full balance. You can also transfer in an unlimited amount from existing ISAs. There are a number of important rules relating to your ISA, which are set out in our ISA help section.

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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.