UK Peer-to-Peer Lending For Overseas Residents
This page was last updated on 9 April, 2019
Here's our list of P2P lending companies that you can lend through from overseas, i.e. outside the UK. And there's another list below of those that you can't.
In addition to any requirements below, you may only open an IFISA if you are a UK taxpayer and have an National Insurance number.
Overseas investors allowed
|P2P lending site||Known conditions or restrictions|
|Ablrate||No UK mobile phone required.
Overseas lenders need to pass manual identity checks.
No non-UK debit-card payments.
|Funding Circle**||Different websites and loans for the US and Germany, but its UK site is not available to overseas investors – not even Channel Islands or Isle of Man.|
|Investly (pounds and euros)|
|Lending Works*/**||You still need to be registered to pay tax in the UK.
UK bank account required.
UK address required.
|MoneyThing**||No conditions or restrictions.|
|Octopus Choice||UK bank account required.|
|RateSetter*/**||UK bank account required.
You might still require a UK address if you have credit or an electoral role entry.
|ThinCats**||You need to contact them by email to discuss: firstname.lastname@example.org|
More ID checks for overseas lenders
If the P2P lending site is headquartered in the UK you will generally face greater hurdles when trying to open an overseas account, such as more manual checks to try to confirm your identity.
You must be UK resident to open an IFISA
While you can open peer-to-peer lending accounts from overseas, you must be a resident of the UK to open an IFISA.
Overseas lenders not allowed
Non UK-based P2P lending sites might not always be as secure. Read more: The Peer-To-Peer Lending Fraud Checklist.
*Commission and impartial research: our service is free to you. We already show dozens of P2P lending companies in our accurate comparison tables and we keep adding more as soon as they provide us with enough details. We receive compensation from Assetz Capital, Flender, Funding Circle, HNW Lending, Landbay, LendInvest, Lending Works, LendingCrowd, Proplend and RateSetter, and other P2P lending companies not mentioned above when you click through from our website and open accounts with them. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
**This peer-to-peer lending site is listed in our comparison tables. We always list all P2P lending sites that provide us with enough information and data – well over 100 data points plus interviews by our experts with the key people.