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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.


Invest from £20,000 with fixed interest rate of 4.5% - 9% p.a. paid monthly. Secured against UK land and property. No Lender losses to date* and tax efficient investments possible with their IFISA

term: 6 - 60 months min. investment: £20,000 return: up to 9.00%*
* provided on 16/01/2020

Customers can select which creditworthy small business loans to diversify their investments across.

The minimum investment amount is £20 and interest rates range from 5.95% to 14.25% per year. Loan term is 6 months to 5 years but you can sell your holdings on the Loan Markets for. 0.5% fee. 

There is no fixed term and customers can expect to receive a monthly income of their capital and interest.

term: 6 - 60 months min. investment: £20 return: up to 14.25%*
* provided on 16/01/2020

Lend to business becked by a wide range of assets with terms between 6 - 36 months

term: 6 - 36 months min. investment: £1,000 return: up to 9.00%*
* provided on 16/01/2020

All opportunities available on their platform are secured with a first legal charge against the property

term: 6 - 24 months min. investment: £500 return: up to 8.00%*
* provided on 16/01/2020

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

LendingCrowd will automatically diversify investments across various creditworthy small business loans. A minimum of 20 loans will be allocated funds.

The minimum investment amount is £1,000 up to £20,000 pa and the variable target rate is 4.9% per year. 

There is no fixed term. Full or partial withdrawals are possible subject to a 1% fee.

term: 6 - 60 months min. investment: £1,000 return: up to 4.90%*
* 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

LendingCrowd will automatically diversify investments across various creditworthy small business loans. Interest payments will be paid into a separate account for withdrawal purposes. Capital will continue to be reinvested into new loans.

The minimum investment amount is £1,000 and the target interest rate is 4.6% per year. 

term: 6 - 60 months min. investment: £1,000 return: up to 4.60%*
* provided on 16/01/2020
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