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Choose your investment strategy

Tax free

Growth ISA

Earn a target rate of 6%* on
your LendingCrowd Growth ISA

Use the Innovative Finance ISA to invest with a LendingCrowd Growth Account. Invest up to £20,000 a year with no tax to pay** on the interest you earn. Monthly repayments automatically reinvested.

Tax free

Income ISA

Repayments reinvest automatically,
income paid from your interest

Use the Innovative Finance ISA to invest with a LendingCrowd Income Account, and pay no tax** on the interest received as income. Repayments are automatically reinvested. Target rate 5.6%*.

Tax free

Self Select ISA

Choose who to lend to, at rates from 5.95% to 14.25%***

Use the Innovative Finance ISA to invest in the LendingCrowd Self Select Account and earn tax-free returns**. You decide which businesses to invest in from the LendingCrowd Loan Market.

Why invest in peer-to-peer lending with LendingCrowd?

How does it work?

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Choose your account

To get started, choose the account that best suits your investment approach


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Set up your account

Setting up your account is easy – you can do it all online quickly and simply


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Start investing

Add funds to your account by bank transfer or debit card


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Earn returns

Receive monthly repayments of capital and interest


Minimising risk

With over 100 years of combined experience, our Credit Team reviews every borrower application made to LendingCrowd. This means only established, creditworthy and safe businesses are able to borrow through our platform. However, as with all investment opportunities, there are risks involved.

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As an investor, your capital is at risk

It’s important to remember that there’s a possibility that a business may not be able to fully repay its loan.

This is known as bad debt and while LendingCrowd has a recovery system in place, you may not receive back all the money you invested.

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Minimise your risk – diversify

Diversifying your portfolio is the best way to help manage risk. In other words, don’t put all your eggs in one basket.

By spreading your investments across as many businesses as possible on the Loan Market, throughout a range of Credit Bands, you’ll reduce the impact of bad debt if a business can’t repay its loan.

Have any questions?

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Investor guide

Sign up for updates and we’ll send you a free guide to getting started.

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Investor FAQ

The most frequently asked questions by our loyal investors.

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Visit our help centre

or call us on
0345 564 1600
and we’ll be happy to help.

Featured in

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Tax treatment depends on the individual circumstances of each investor and may be subject to change in future. As an investor, it’s important to remember you’re lending to businesses so your capital is at risk. 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.

LendingCrowd is a credit broker and not a lender.

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

Copyright © LendingCrowd 2018. All rights reserved.

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