How lending works

Lending to creditworthy borrowers is simple

Open your account in 2 minutes.
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Choose how long to lend for.
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Choose what to do with repayments.
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Add money by card or bank transfer.
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Watch your money grow!
 

1. Create your account

Register in just 2 minutes by completing our simple sign-up form.

Create your Account

 

2. Choose how long to lend for

Choose your rate

Want more flexibility? Choose our 3-year rate

Your loans will last up to 3 years, earning 4.0% p.a.

Want higher interest? Choose our 5-year rate

Your loans will last up to 5 years, earning 5.5% p.a.

Want the best of both options?

Split your money across the two rates. You're in control.

 

3. Choose what to do with repayments

Create your Account

Maximise your earnings

Set up your account to automatically re-lend your repayments, so your interest earns interest too!

Draw regular income

Alternatively, set up your account to automatically transfer your repayments straight into your bank account, either weekly or monthly. You can choose to withdraw interest only, or the full repayments.

Keep full control

You can turn off all automatic settings and manage your account manually. The choice is yours.

 

4. Securely transfer your money

Start lending from as little as £10 – simply add money by debit card or bank transfer. It's quick and secure.

Create your Account

 

5. Watch your money grow

You're all set up.

What happens next? Your offers will be placed in the queue to be matched with creditworthy borrowers. You'll be able to manage your offers and see exactly how long we anticipate it will take to match your money. As soon as you're matched, watch your money grow!

Need to get hold of your money quickly?

For a small fee of 0.6% or £20, whichever is greater, you can take some – or all – of your money back early, provided we can find another lender to step in and take over your loans.