Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £15,240 each tax year, and you don’t need to pay any personal taxes on your earnings.

At a Glance:

Minimum investment £1,000

Target rate of return: 6%* a year

No fixed term — full or partial withdrawals* at any time

Build your own portfolio with one click

*If you invest through LendingCrowd you should understand that as a lender, your capital may be at risk. The 6% target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

Benefits of a LendingCrowd IFISA

Invest from £1,000 up to £15,240 in the current tax year

No Income or Capital Gains Tax to pay on your profits

Target rate of return of 6%* a year

Transfer in your other ISAs quickly and easily

Create your ISA

Open an ISA

Invest up to £15,240 ISA allowance with LendingCrowd and earn a 6%* target return on your investment.

Open an ISA

Transfer an ISA

Transfer existing Cash ISAs, Stocks & Shares ISAs and Innovative Finance ISAs to LendingCrowd.

Transfer an ISA

How it works

A LendingCrowd IFISA allows you to invest in peer to peer lending without having to pay any personal taxes on your returns. You decide how much to invest — from a minimum of £1,000 up to £15,240 in the 2016/2017 tax year. We’ll automatically diversify your funds across at least 20 loans through our Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.

We also allow you to transfer in your other ISA accounts. This means you can invest even more in the LendingCrowd IFISA without losing any tax benefits.

*If you invest through LendingCrowd you should understand that as a lender, your capital may be at risk. The 6% target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

Accessing your money

The LendingCrowd IFISA is for investors who are looking to invest quickly and simply with tax-free returns. If you need access to your money you can cash in all or part of your ISA at any time, but note you must have at least £1,000 invested in loans to meet your target rate of return.

Should you wish to withdraw your funds, you can choose to sell some or all of your loan holdings on our Loan Market. There’s a 1% fee for all withdrawals. The time taken to access your funds depends on how quickly your holdings are sold.

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 ISA

Open an ISA

Invest up to £15,240 ISA allowance with LendingCrowd and earn a 6%* target return on your investment.

Open an ISA

Transfer an ISA

Transfer existing Cash ISAs, Stocks & Shares ISAs and Innovative Finance ISAs to LendingCrowd.

Transfer an ISA

Featured In

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*If you invest through LendingCrowd you should understand that as a lender, your capital may be at risk. The 6% target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

If you invest through LendingCrowd you should understand that as a lender, your capital may be 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.
LendingCrowd is a credit broker and not a lender.

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

Copyright © LendingCrowd 2017. All rights reserved.

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