The fair and simple P2P platform

Invest in personal loans to creditworthy borrowers

With investments, your capital is at risk.

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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 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, easy and safe as possible.

Learn more about ISAs >


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.

Get a loan

Our customers have helped us win

Moneynet Award Best Consumer Peer to Peer Platform - Lending Works
MoneyfactsCommended Award Peer to Peer Platform - Lending Works
Moneywise Award Best P2P Platform for Savers - Lending Works
Moneywise Award Trust Provider Personal Loans - Lending Works

Any questions?

We'd love to hear from you
Monday to Friday from 8am until 6pm.