Cookies are temporary files we place on your device to improve your user experience, for example to sign up and log in to your account. Find out more about cookies, and how to control them, in our privacy policy. By continuing to use our site, you agree to this policy Close image

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?

Icon step1 yellow

Choose your account

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

Icon step2 yellow

Set up your account

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

Icon step3 yellow

Start investing

Add funds to your account by bank transfer or debit card

Icon step4 yellow

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.

Have any questions?

Icon guide

Investor guide

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

Icon guide

Investor FAQ

The most frequently asked questions by our loyal investors.

Icon guide

Visit our help centre

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