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The Income Account is ideal if you’re looking for a quick and simple way to invest in peer-to-peer lending while taking an income from the interest earned on your investments. It offers a target rate of 5.6%* a year and your investment is automatically diversified across a portfolio of credit-assessed small business loans.

At a glance:

Minimum investment £1,000

Target rate of return: 5.6%* a year

No fixed term — full or partial withdrawals at any time

No investment decisions to make

*As an investor, it's important to remember you're lending to businesses so your capital is at risk. The 5.6% target rate is variable, net of ongoing repayment fees, estimated bad debt and before the 1% capital withdrawal fee. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

How it works

The LendingCrowd Income Account makes peer-to-peer lending simple for investors who want to take an income from the interest earned on their investments. You don’t need to choose which loans to invest in, as we’ll automatically diversify your funds across all the loans available on our Loan Market. Your interest payments will be transferred to a separate account so you can withdraw them, while your capital repayments will be automatically reinvested in new loans.

This approach gives you a balanced portfolio of loan investments that aims to produce a net annual return of 5.6%*, after repayment fees and estimated bad debts.

If you want to earn tax-free returns on your LendingCrowd Income account, read all about the LendingCrowd Income ISA.

Accessing your money

You can cash in all or part of your Income Account balance at any time, but you must have at least £1,000 invested to meet your target rate of return and continue reinvesting in loans.

If you want to withdraw your funds, you can sell investments on our Loan Market. There’s a withdrawal fee of 1% of the capital withdrawn. The time taken to access your funds depends on how quickly your holdings are sold. The ability to sell your investments depends on other investors buying your loans.

It's easy to get started

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Open an account

It’s fast and simple to do online


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Add funds to your account

You must pay in at least £1,000 to start investing in loans and you can add to this at any time


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Watch your investment grow

Keep up to date with your account activity on your Account page


Create your account

For peer-to-peer investing made simple with a target rate of return of 5.6%*, open a LendingCrowd Income Account today

Open now

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As an investor, it’s important to remember you’re lending to businesses so your capital is at risk. The 5.6% target rate is variable, net of ongoing repayment fees, estimated bad debt and before the 1% capital withdrawal fee. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme. 

If you invest through LendingCrowd you should understand that your capital is at risk.

LendingCrowd is the trading name of Edinburgh Alternative Finance Limited, Company Number SC468392, authorised and regulated by the Financial Conduct Authority (Firm reference number 670991). LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

Read more about the risk involved when investing and borrowing.

The company's registered office is 23 Manor Place, Edinburgh, EH3 7DX.

Copyright © LendingCrowd 2018. All rights reserved.

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