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If you want to take a more hands-on approach to investing in peer-to-peer lending — and want the opportunity to earn higher returns* — a Self Select Account could be just right for you.

At a glance:

Open an account with as little as £20

Transparent fees – 1% of the amount invested

Monthly repayments of interest and capital

Lend to credit-assessed businesses at rates from 5.95% to 14.25%

*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.


With our Self Select Account, it’s up to you to choose the businesses you lend money to. Please remember your capital is at risk, so it’s important that you diversify by lending to many businesses. Remember that diversification is key to mitigating risk.

The chart below shows the distribution of investor returns from Self Select accounts. It includes accounts that are at least three months old, with a maximum exposure to one loan of no more than 5%. You’ll notice that returns are more variable than the Growth Account. Self Select is a higher-risk investment choice. To maximise your returns, you need to diversify your investments and continuously reinvest your monthly repayments of capital and interest.

This return, which does not include promotions, is calculated after all fees and bad debts have been deducted. Find out how we calculate returns.

Please remember that your capital is at risk when lending to businesses, and past performance is not a guide to future performance. Your returns may be higher or lower than those shown here.

How it works

With a Self Select Account you choose how to invest your money on the Loan Market. There are two types of loan you can invest in:

  • New loans — bid in an online auction where you decide how much you would like to lend to each borrower, and at what interest rate. You can invest from as little as £20 and bid at rates starting from 5.95%*.


  • Existing loans — you can buy loans from other investors on our Loan Market. There is no bidding involved and you can invest instantly. 


  • Loan sales — you can choose to the list your loans for sale on our Loan Market. All sales are subject to a fee of 0.5%.

  *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.

Accessing your money

Your peer-to-peer investment with LendingCrowd is fully flexible. You can cash in all or part of your Self Select Account balance at any time by selling your investments on our Loan Market. There’s a 0.5% fee for selling your loan parts. The time taken to access your funds depends on how quickly your holdings are sold. The ability to sell your investments depends on other investors buying your loans.

It's easy to get started

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Open an account

It’s fast and simple to do online

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Add funds to your account

You can open an account with £20 and add to it at any time

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Choose your investments

Invest in new or existing loans on the Loan Market

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Watch your investment grow

Keep up to date with your account activity on your Account page

Open an account

For peer-to-peer investing that puts you in control and lets you manage your own portfolio, open a Self Select Account today.

Open now