Grow your money

Lend your money directly to creditworthy borrowers. They benefit from low-cost loans while you earn interest - that's peer-to-peer lending. To help ensure you receive exactly what you're expecting, we've created the Lending Works Shield which combines a reserve fund with our unique default insurance.

Up to 3 years
Up to 5 years

 The interest rates are calculated presuming you re-lend your interest. Remember, you will need to tax your interest where necessary. Projections are not an indicator of future performance, and are intended as an aid to decision-making, not as a guarantee. Your capital is at risk and we are not covered by the Financial Services Compensation Scheme (FSCS).

Protecting your money

There are a million things to worry about every day, lending your money shouldn’t be one of them. 

That's why we've created the Lending Works Shield.


More about the Shield

How lending works

Create your account
It only takes 2 minutes
Choose your rate
Flexible - 4.0% p.a. projected return (no-fees for early access) or Growth - 5.4% p.a. projected return (0.5% fee for early access) 
Securely transfer your money
You can start lending from as little as £10
Manage your monthly repayments
Re-lend them or take them as income
Enjoy watching your money grow
That's it. We'll do the rest.

Accessing your money

Choosing where to invest your money is a very personal choice, as is deciding how you'd like to access it. We give you total flexibility in both investing and accessing your money.

Need to access your money early?

For a small fee of 0.5%, you can take some – or all – of your money back early, provided we can find another lender to step in.

Want to take a regular income?

Automatically transfer either your interest, or interest and capital into your bank account, every month. Totally hassle and cost-free.


“It has been another fiercely competitive year, but the likes of Lending Works continue to bring something fresh and more rewarding to the table."

Key statistics

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