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 6.5% p.a.

Lend money to approved, creditworthy borrowers.
Earn 6.5% p.a. over 5 years, 5.0% p.a. over 3 years.
Enjoy first-loss cover thanks to the Lending Works Shield.
Keep control: reinvest, draw income or withdraw early.
Sign up in 2 minutes - it’s free!

Interest rates shown are annualised, assuming loan repayments are reinvested at the same rate,
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.

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 for 3 or 5 years

Earn 5.0% p.a. on 3-year loans, or 6.5% p.a. on 5-year loans. Take loan repayments as income or reinvest automatically for maximum 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 3- or 5-year 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?

Past performance is not a reliable indicator of future results, and returns aren’t guaranteed.

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 reserve fund and unique insurance covering some of the leading causes of borrower default.

It's not a guarantee against loss, but it has ensured all investors have received exactly what they were expecting since we launched in 2014.


Automatic diversification

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?

Total invested


Total lost


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.

Accessing your money

Accessing your money is simple. You can draw a regular income or withdraw your money early.

Withdraw early

For a 0.6% fee, you can withdraw your money early, provided other investors are available to take on your loans.

Avg. withdrawal time

  < 1 day

Regular income

You can withdraw your P2P investment as weekly or monthly income. Choose interest-only or capital-and-interest income to suit your needs.


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Any questions?

We’re here to help. Contact us with any question, Mon-Fri, 8am-6.00pm.

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