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Compare Peer To Peer Lending

P2P (peer to peer) lending is when investors lend their money via a platform direct to a business, individual or against a property/asset at an agreed rate. There is no guarantee against losses, however some P2P lenders have a provision fund, secure the debt against an asset or spread the risk amongst multiple loans. See our P2P guide.


The lender can choose to lend Balanced via their Classic Account.  This option has a higher projected return, with a higher estimated bad debt rate. There is an initial minimum investment amount of £1,000. 

With Classic accounts, tax is not deducted from your earnings, Funding Circle provides a tax statement which can be downloaded for tax return purposes.

term: 6 - 60 months min. investment: £1,000 return: up to 6.50%*
* provided on 16/01/2020

The lender can choose to lend conservatively via their Classic Account.  This option has a lower projected return, with a lower estimated bad debt rate. There is an initial minimum investment amount of £1,000. 

With Classic accounts, tax is not deducted from your earnings, Funding Circle provides a tax statement which can be downloaded for tax return purposes.

term: 6 - 60 months min. investment: £1,000 return: up to 4.70%*
* provided on 16/01/2020
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