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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.


  • No annual limit
  • Invest as much as you like
  • Available to all lenders
  • Manual and auto lending options
term: 1+ months min. investment: £10 return: up to 7.80%*
* provided on 16/01/2020

Invest in individual opportunities via their dashboard.

term: 1 - 60 months min. investment: £10,000 return: up to 15.00%*
* provided on 16/01/2020

Mezzanine finance is designed to fill the gap between the bank's lending and the developer's equity contribution and is held with a second legal charge which potentially carries higher risks but offers you the opportunity of higher returns. This type of investing was until recently only available to financial institutions and high net worth individuals.  

term: 1 - 24 months min. investment: £1,000 return: up to 14.00%*
* provided on 16/01/2020

View and choose from individual investments secured against UK property.  

term: 1 - 24 months min. investment: £500 return: up to 12.00%*
* provided on 16/01/2020

This product gives investors full control over their funds in exchange for the highest possible returns on the platform ranging from 4.5% to 12.5%.

Investors can choose which businesses to invest in.

All businesses offered have passed Assetz Capital's credit policy and are secured loans only.

There is no provision fund available on this account. Any loan investors wishing to sell can only do so if there is a demand from other investors. The minimum investment amount is £1, there is no upper limit.

Terms typically range from 1 month to 5 years.

term: 1 - 60 months min. investment: £1 return: up to 8.07%*
* provided on 16/01/2020

Zopa Plus investors can expect potential returns of 4.0 - 6.0% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Plus borrowers range from A* - E, meaning they contain the full range of loans offered on the platform. Typically D & E loans are limited to 20% of the loan mix.

This product is available as an IFISA, which follows the guidelines as set out by UK government.

term: 1 - 60 months min. investment: £1,000 return: up to 6.00%*
* provided on 16/01/2020

This product offers lenders to earn up to 5.75% target gross interest a year and gives access to funds 90 days after the notice under normal market conditions.

The interest rate on the 90DAA is variable and can change from time to time.

Unlike the Quick Access Account and the 30 Day Access Account there is no minimum interest rate for the 90DAA.

Minimum investment is £1 and there is no maximum.

Typically, the 90DAA may contain short-term secured business loans of less than one month through to five-year loans.

And like all the Access Accounts, the 90DAA auto-diversifies the funds lenders allocate to it across many matching loans at any given time, spreading the risk across the widest possible range of loans that we have available in the account.

 

term: 1 - 60 months min. investment: £1 return: up to 5.75%*
* provided on 16/01/2020

Growth Street’s marketplace aims to provide you with a simple way to potentially earn a decent return. You can lend any amount from £10.

term: 1+ months min. investment: £10 return: up to 5.30%*
* provided on 16/01/2020

This product gives a return of 5.1% per annum on investments and offers access to deposited funds under normal market conditions when 30 days’ notice is given. The rate will not drop below 4%.

Minimum investment starts at £1 with no maximum amount.

Interest is paid on the first day of each month.

Due to the nature of this account, there is no minimum term.

term: 1 - 60 months min. investment: £1 return: up to 5.10%*
* provided on 16/01/2020

Zopa Core investors can expect potential returns of 3.4 - 5% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Core borrowers range from A* - C, meaning they are low-risk loans.

This product is available as an IFISA, which follows the guidelines as set out by UK government.

term: 1 - 60 months min. investment: £1,000 return: up to 5.00%*
* provided on 16/01/2020
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