How it works
Peer-to-peer lending allows you to lend your money to people online. It's a type of investment that we make as easy and rewarding as possible.
Personal loans to real people
We are a P2P consumer lending platform. You'll invest in personal loans to creditworthy individuals who pass our rigorous approval process.
Invest as long as you want
We offer quick withdrawals for flexible investments and reinvestments for long term growth.
Start from just £100
On average, our individual members invest £3,500 when they join, but you can start from just £100. However much money you have to lend, you’ll always get our best product interest rate.
Meet the borrowers
How we reduce risks
Peer-to-peer lending is an investment, which means your capital is at risk and returns aren’t guaranteed. And remember: the Financial Services Compensation Scheme (FSCS) doesn’t cover poor investment performance, just like with bonds or shares.
That said, we reduce the risk wherever possible. Here’s how.
The Lending Works Shield combines a reserve fund, which covers every consumer-funded loan, with unique insurance, which protects against the primary causes of borrower default.
It's not a guarantee against loss, but we believe it's the strongest protection of any unsecured peer-to-peer lending platform.
Your investment is automatically split across many loans. It's inherently diverse, and much less volatile than stocks and shares.
Learn more by reading our guide: How safe is P2P lending?
Figures relate to retail investors only (excluding institutional investors).
Reference period: 01/01/2014 to date; Source: Internal monitoring data.
Past performance is not a reliable indicator of future results, and returns aren’t guaranteed.
We’re here to help. Contact us with any question, Mon-Fri, 8am-6.00pm.
Just some of our Customer Service and Underwriting teams