LendingCrowd | Invest in Peer to Peer Lending

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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.

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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%*.

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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.

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

*Target rate is variable, net of ongoing repayment fees, estimated bad debt and before the 1% capital withdrawal fee.

**Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.

***Investors can lend at rates between 5.95% and 14.25% based on LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan. Higher risk investments may yield greater returns but can also lead to lower returns if the business can’t fully repay its debts. This is known as bad debt. Find out more at our Risk matters page.

Remember, as an investor, your capital is at risk. Learn more about the risks involved.

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How does it work?

Choose your account

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

Set up your account

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

Start investing

Add funds to your account by bank transfer or debit card

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.

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.

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.