Compare P2P lending accounts and IFISAs now

UK Peer-to-Peer Lending For Overseas Residents

Click "Learn" to get help

This page was last updated on 20 February, 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.

Please let us know if you know the overseas lending status of any more P2P lending companies by emailing editorial@4thWay.co.uk

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.
Assetz Capital*/**
Bondora (euros)
EstateGuru (euros)**
Flender (euros)*/**
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.
HNW Lending*/**
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.
Lendy
Mintos (euros)
MoneyThing** No conditions or restrictions.
Octopus Choice UK bank account required.
Proplend*/**
RateSetter*/** UK bank account required.
You might still require a UK address if you have credit or an electoral role entry.
rebuildingsociety*/**
ThinCats** You need to contact them by email to discuss: account.opening@thincats.com
Viventor** (euros)

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

CrowdProperty.
Downing Crowd**.
Landbay*/**.
LendingCrowd*/**.
Money&Co**.
Zopa**.

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.

Today’s average interest rates

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×
Back to top
[wpforms id="19476" title="false" description="false"]
[wpforms id="19884" title="false" description="false"]