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Innovative Finance ISA Information Hub

LendingCrowd Innovative Finance ISA

LendingCrowd offers two Innovative Finance ISA products – The LendingCrowd Growth ISA and the Self Select ISA.


How do our ISAs work?


The LendingCrowd Growth ISA

Self Select ISA

  • Build your portfolio with one click – your investment is spread across a portfolio of loans
  • Choose the loans you want to invest in and set your own rates on our Loan Auction or instantly invest in the Loans for sale
  • Earn 6%* a year tax free – that’s the variable target rate after ongoing management fees and estimated bad debts
  • Rates start from 5.95%** and go up to 12.25%** depending on the Credit Band of the Loan. These returns are tax-free within the ISA
  • No fixed term – you can choose to sell holdings and withdraw cash at any time for a 1% fee
  • Loan terms are between 6 months and 5 years but you can sell your holdings on our Loan Market
  • Start from just £1,000 and invest up to £20,000 in the 2017/18 tax year
  • Get started from as little as £20 and invest up to £20,000 in the 2017/18 tax year


*Capital at risk. Variable target rate is net of management fees and estimated bad debts

**Capital at risk.


Invest up to £20,000 this tax year

You can invest up to £20,000 in the 2017/18 tax year and you’ll have no personal taxes to pay on your earnings. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.


Open your account online

Create and manage your LendingCrowd Innovative Finance ISA online. Review your portfolio at any time and easily increase your investment up to your ISA limit. We will ensure you don’t go over your ISA limit with LendingCrowd and keep you updated on how much you can still invest during the current tax year.


Easily transfer ISAs to LendingCrowd

Already have an ISA? You can transfer your existing ISAs to us quickly and simply. Just download and complete a Transfer In form and return it to us by post. We’ll complete the process with your existing ISA provider.


Flexible ISA

We have designed the LendingCrowd Innovative Finance ISA to be a Flexible ISA. This means if you withdraw money from the LendingCrowd Innovative Finance ISA, you can put it back in at a later date in the same tax year without it contributing to your ISA subscription. Non-Flexible ISAs do not allow this and once you use up part of your annual ISA allowance, you can’t use it again. 

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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