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There are a number of ways to invest in peer-to-peer lending with LendingCrowd

ISA ACCOUNTS

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

Self Select ISA

Choose your own investments,
set your own rates. Tax free

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.

STANDARD ACCOUNTS

Growth Account

Create your investment portfolio
in one click

You decide how much to invest, we take care of the rest. We’ll automatically diversify your investment across a range of loans with a target annual growth rate of 6%*.

Self Select Account

Choose your own investments,
set your own rates

You decide which businesses to invest in from the LendingCrowd Loan Market. Bid at the rate you choose. Receive capital and interest payments every month on your investment.

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 80 years of combined experience, our Credit Team review 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.

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As an investor, it’s important to remember you’re lending to businesses so your capital is at risk. Borrowers need to be mindful that defaulting might lead to the debt being passed to an agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

*Investors can lend at rates between 5.95% and 16.25% 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.

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 2017. All rights reserved.

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