Peer-to-peer lending (P2P lending) is
the modern way to invest your money online

And here at Lending Works, we make it as simple and rewarding as possible

With investments, your capital is at risk.

Earn up to 4.5% p.a. projected

Lend money to approved, creditworthy borrowers.
Enjoy first-loss cover from the Lending Works Shield.
Keep control: reinvest, draw income or withdraw early.
Flexible access options with fee-free early exit.
Sign up in 2 minutes - it’s free!

Interest rates shown are annualised, assuming loan repayments are reinvested at the same rate,
loans are held to maturity and any bad debt is covered by the Lending Works Shield.

Projected returns are not guaranteed. As with all investments, your capital is at risk.

Invest in a way that suits you

Build a loan portfolio to suit your individual investment style and access requirements. Choose one product or mix and match. Both of our investment products are diversified across all loan terms, from 2 - 60 months, and are available tax-free within an ISA. 


  • Reinvest repayments or withdraw income
  • No fees for early access
  • Start investing with £100
  • 4.0% p.a. projected return


  • Reinvest repayments or withdraw income
  • 0.5% fee for early access
  • Start investing with £100
  • 4.5% p.a. projected return

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.

Flexibility to suit every investor

Automatically reinvest or withdraw income. Invest in our Flexible product for flexible fee-free access, or our Growth product to maximise returns.

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 

Average income




Typical age


Don't forget that we also offer Innovative Finance ISAs (IFISAs), which allow you to make peer-to-peer investments in a tax-free wrapper. Find out more by reading our guide: What is an Innovative Finance ISA?

Projected returns are not guaranteed. With investments, your capital is at risk.

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.

Lending Works Shield

The Lending Works Shield provides first-loss cover across our entire loan book using a contingency fund which takes care of defaulted loans.


Automatic diversification

Your investment is automatically split across many loans. It's inherently diverse, and much less volatile than stocks and shares.


Read more about how we manage risk at Lending Works here.

Total invested


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.

Our customers have helped us win

Accessing your money

Accessing your money is simple. You can draw a regular income or withdraw your money early. You can choose to invest in Flexible lending or maximise returns with Growth lending.

Flexible lending

Fee free early withdrawals by selling your loans, provided other other investors can take on your loans.

Growth lending

For a 0.5% fee, you can withdraw your money early by selling your loans, provided other investors are available to take on your loans.

Any questions?

We’re here to help. Contact us with any question, Mon-Fri, 9am-5.30pm.

You can also visit our lender help centre for assistance with your Lending Works account, or read
our finance guides to learn more about P2P lending in the UK