Find the best peer-to-peer lending accounts in the UK

Weeks of research, calculations and interviews by 4thWay’s specialists go into each and every provider shown in our comparison tables, making it easier for investors to identify the best peer-to-peer lending companies in the UK market.

Showing 28 peer-to-peer lending accounts for you to compare. Sorted by best 4thWay PLUS Rating first, then by Risk Score and finally by interest rate.

The 4thWay PLUS Ratings in the P2P lending comparison table assume you spread your money across 100s or 1,000s of loans within 6-12 different lending accounts, and hold your loans until they're fully repaid by the borrowers. Focus on your overall returns across all loans and P2P lending sites, not individual performances. The ratings are based on interest rates and a forecast of the risk of borrowers not repaying all their debt. Understand all the risks before you lend. When you compare peer-to-peer lending accounts, read the reviews to get more information on each opportunity. Find out how P2P lending accounts qualify for listing here.
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Select 2-5 to compare
Premium Account (60-day free access or 1% fee)/Premium IFISA
Interest
4.20% after bad debts
Description | IFISA £107 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & free early access in 60 days. IFISA available. £100 cashback available
Loanpad Quick Expert Review
An investment that will keep your money safe through everything short of nuclear war Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Classic Account (free early exit)/Classic IFISA
Interest
3.00% after bad debts
Description | IFISA £107 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & early exit. IFISA available. £100 cashback available
Loanpad Quick Expert Review
An investment that will keep your money safe through everything short of nuclear war Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Tranche A, 0-50% LTV Loans Against Property Mostly Receiving Rent/also as an IFISA
Interest
6.71% after bad debts
Description | IFISA £165 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with optional auto-lend, auto-diversification & early exit. Available in an IFISA
Proplend Quick Expert Review
Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans Account/IFISA
Interest
7.64% after bad debts
Description | IFISA £240 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available
CrowdProperty Quick Expert Review
Development lending as a low risk, high-interest rate opportunity Expand to read more
Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
Interest
7.10% after bad debts
Description | IFISA £110 m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA)
HNW Lending Quick Expert Review
A “swinger” with some very secure loans and first loss usually paid by its directors, but the minimum lending amount is very high Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
Interest
7.00% after bad debts
Description | IFISA £209 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
Kuflink Quick Expert Review
A profitable property lending record since 2011 and highly satisfactory lending results Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Kuflink Select-Invest
Interest
6.85% after bad debts
Description £209 m since 2016 in secured short-term (bridging) & property development loans
Kuflink Quick Expert Review
A profitable property lending record since 2011 and highly satisfactory lending results Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans Account
Interest
6.75% after bad debts
Description £190 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders
Invest & Fund Quick Expert Review
The only P2P lending company that has a combination of five things, leading to excellent risk-reward balance… Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans IFISA
Interest
6.25% after bad debts
Description | IFISA £190 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders
Invest & Fund Quick Expert Review
The only P2P lending company that has a combination of five things, leading to excellent risk-reward balance… Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Kuflink Auto-Invest 3 Years. AVAILABLE AS AN IFISA
Interest
6.10% after bad debts
Description | IFISA £209 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
Kuflink Quick Expert Review
A profitable property lending record since 2011 and highly satisfactory lending results Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Auto-Invest In Property & Asset Loans up to 70% LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
Interest
6.00% after bad debts
Description | IFISA £110 m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Minimum investment is £10K (£5k in an IFISA), spread across dozens of loans
HNW Lending Quick Expert Review
A “swinger” with some very secure loans and first loss usually paid by its directors, but the minimum lending amount is very high Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Manual Lending Account/Manual Lending IFISA
Interest
4.33% after bad debts
Description | IFISA £1.4 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA
Assetz Capital Quick Expert Review
Impressive lending results over nearly 10 years on rental property, bridging and development loans, and with manual and auto-lend options from just £1 Expand to read more
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this P2P lending company/IFISA provider. It doesn't affect our impartiality. See details below table.
90-Day Access Account/90-Day Access IFISA
Interest
4.18% after bad debts
Description | IFISA £1.5 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA
Assetz Capital Quick Expert Review
Impressive lending results over nearly 10 years on rental property, bridging and development loans, and with manual and auto-lend options from just £1 Expand to read more
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this P2P lending company/IFISA provider. It doesn't affect our impartiality. See details below table.
30-Day Access Account/30-Day Access IFISA
Interest
4.07% after bad debts
Description | IFISA £1.5 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA
Assetz Capital Quick Expert Review
Impressive lending results over nearly 10 years on rental property, bridging and development loans, and with manual and auto-lend options from just £1 Expand to read more
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this P2P lending company/IFISA provider. It doesn't affect our impartiality. See details below table.
Quick Access Account/Quick Access IFISA
Interest
3.82% after bad debts
Description | IFISA £1.5 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA
Assetz Capital Quick Expert Review
Impressive lending results over nearly 10 years on rental property, bridging and development loans, and with manual and auto-lend options from just £1 Expand to read more
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this P2P lending company/IFISA provider. It doesn't affect our impartiality. See details below table.
Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Mostly Receiving Rent/also in an IFISA
Interest
6.71% after bad debts
Description | IFISA £165 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA
Proplend Quick Expert Review
Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Rented and Development Property Lending
Risk Scores N/A
Interest
12.69% after bad debts
Description £24 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit
CapitalStackers Quick Expert Review
Attractive opportunities for active lenders to pick high-quality loans with very large profit potential Expand to read more
We earn commission from this peer-to-peer lending company. It doesn't affect our impartiality. See details below table.
Development Loans (Lending £20k+/Loan)
Too little info provided
History too small
4thWay Unrated
Risk Scores N/A
Interest
11% after bad debts
Description | IFISA £27 m since 2019 in loans to property developers. Available in an IFISA. Showing Sourced's forecast interest rate if you lend £20k+/loan. SOPHISTICATED/ WEALTHY INVESTORS ONLY
Sourced Capital Quick Expert Review
Tight core lending standards temper its short history, although less sales talk and more substantial information is needed Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
9.12% after bad debts
Description £196 m since 2014 in secured short-term (bridging) & property redevelopment loans. Note this entry is very out-of-date due to lack of information from SoMo. See the Quick Expert Review, below. MIN £5,000 PER LOAN
SoMo Quick Expert Review
High interest rates and great reviews from lenders, but lets itself down on transparency Expand to read more
SoMo rarely provides updates. Due to insufficient information, 4thWay estimates the interest rate after bad debts will be written off.
Mostly Secured Business Loans/also in an IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
9.04% after bad debts
Description | IFISA £160 m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance that might cover some losses, optional auto-lend & auto-diversification. Available in an IFISA
ArchOver Quick Expert Review
A P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders Expand to read more
Development Loans (Lending <£20k/Loan)
Too little info provided
History too small
4thWay Unrated
Risk Scores N/A
Interest
9% after bad debts
Description | IFISA £32 m since 2019 in loans to property developers. Available in an IFISA. Showing Sourced's forecast interest rate if you lend under £20k/loan. SOPHISTICATED/ WEALTHY INVESTORS ONLY
Sourced Capital Quick Expert Review
Tight core lending standards temper its short history, although less sales talk and more substantial information is needed Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Development And Property-Secured Business Loans
Too little info provided
History too small
4thWay Unrated
Risk Scores N/A
Interest
8.35% after bad debts
Description £46 m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
BLEND Network Quick Expert Review
Interest rates look good and its first few years have got off to a fantastic start Expand to read more
Bridging & Development Loans/also in an IFISA
PLUS Rating pending...
4thWay Unrated
Risk Scores N/A
Interest
8.21% after bad debts
Description | IFISA £148 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY
CapitalRise Quick Expert Review
Continues to impress Expand to read more
Commercial Property, Energy Project & Development Loans/also as an IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
7.18% after bad debts
Description | IFISA £88 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Business & Property Loans Account/IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
6.00% after bad debts
Description | IFISA £41 m since 2015 in business loans, including revenue loans, with auto-lend and early exit on some loans. Available in an IFISA
Crowd2Fund Quick Expert Review
Good to see small business lending where lenders can choose their own loans, but it needs to provide more information to offset its inexperienced team Expand to read more
The Crow2Fund interest rate is an extremely rough estimate, due to insufficient info. We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Classic/IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
5.33% after bad debts
Description | IFISA £24 m in personal loans since 2014, with auto-lend, auto-diversification & free early exit. Available in an IFISA
Lendwise Quick Expert Review
Offers much needed diversity in a P2P lending market overcrowded by property development lending Expand to read more
Interest rate is a 4thWay estimate based on currently on initial figures provided by Lendwise.
Senior Property & Renewable Energy Loans/also in an IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
5.28% after bad debts
Description | IFISA £180 m since 2016 in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA
Downing Crowd Quick Expert Review
Doesn’t provide enough information to assess the risks, so new lenders are shooting blind Expand to read more
Interest rates shown are a reasonable estimate due to limited data
"A" to "C" Business Loans/available in an IFISA
PLUS Rating pending...
4thWay Unrated
Risk Scores N/A
Interest
5.00% after bad debts
Description | IFISA £30 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA
interest rate shown is an approximate, provisional rate, pending further recovery of bad debts. We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Peer-to-peer lending in the UK: review and compare your P2P options!

Here, you get to see UK peer-to-peer lending reviews, research and P2P comparison for your investment decisions. You won’t just see the best peer-to-peer lending in the UK here, but also the – let’s say – rather less than best! Because we don’t hold back with our candid research. We candidly review any P2P investment that takes the step of opening its people, business model and results to 4thWay’s intensive scrutiny.

Plus, you’ll find here our unique ratings, which stress-test how lending through specific lending accounts and loans might perform in a severe recession and property crash.

If you are either based in the UK or would like to lend through companies based in the UK, 4thWay’s specialists in investing, credit and credit-risk provide the most thoroughly researched and professional comparison.

Impartial. Accurate. Expert. Checked by users like you.

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All peer-to-peer lending companies (and other direct lending platforms), please contact barrie@4thWay.co.uk to start the process to be listed in the comparison table and to get a review of your P2P investment proposition.

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