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 29 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 of loans in 6+ 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 in a severe recession and property crash. Understand the risks before you lend. When you compare peer-to-peer lending accounts, read the reviews to get more information. Find out how P2P lending accounts qualify for listing.
Refine your list
Select 2-5 to compare
Premium Account (60-day free access or 1% fee)/Premium IFISA
Interest
6.50% after bad debts
Description | IFISA £249 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
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
5.50% after bad debts
Description | IFISA £249 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
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.
Lande Lending Account
Interest
10.8% after bad debts
Description €22 m since 2020 to farmers in Latvia secured against their land, homes, grain or machinery, with optional auto-lend, auto-diversification & early exit
Latest article on Lande
Lande Making Critical Improvements To Its Farm Lending, Property Lending Going Strong Expand to read more
Lande is for lending in €. If you want to lend in £ only, use the filters above the table. We earn commission and/or fees from this peer-to-peer lending provider to cover the costs of conducting our calculated ratings assessments. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans Account
Interest
8.32% after bad debts
Description £340 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
Its loans have demonstrated the lowest risk of all P2P lending companies that do property development and bridging lending since 2015. 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
7.82% after bad debts
Description | IFISA £340 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
Its loans have demonstrated the lowest risk of all P2P lending companies that do property development and bridging lending since 2015. 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, 50% LTV Loans Against Property Mostly Receiving Rent/also as an IFISA
Interest
7.51% after bad debts
Description | IFISA £215 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
Fantastic rental property security and high returns has earned lenders £23 million, with just £40,000 in losses 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 1 Year Account/Auto-Invest 1 Year IFISA
Interest
10.25% after bad debts
Description | IFISA £333 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. Some interest rates shown are lower than on the Kuflink website, because we standardise the calculation to make it consistent with the other rates shown on 4thWay.
Bridging & Development Loans Account/IFISA
Interest
10.19% after bad debts
Description | IFISA £390 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, attractive-interest rate opportunity Expand to read more
Property & Asset Loans Averaging 55% LTV. MINIMUM £10,000 (or £5,000 in IFISA)
Interest
9.09% after bad debts
Description | IFISA £138 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
Security consistently shows its worth, directors take the first hit of 10% on rare losses and interest paid out is 30 times losses 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 2 Year Account/Auto-Invest 2 Year IFISA
Interest
8.50% after bad debts
Description | IFISA £333 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. Some interest rates shown are lower than on the Kuflink website, because we standardise the calculation to make it consistent with the other rates shown on 4thWay.
Classic/IFISA
Interest
8.12% after bad debts
Description | IFISA £52 m in loans to fund postgraduate studies since 2018, with auto-lend, auto-diversification & early exit. Available in an IFISA
Lendwise Quick Expert Review
Impressive results and much needed diversity lending to fund postgraduate studies, in a P2P lending market overcrowded with property development lending. 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.
Assetz Exchange Account/IFISA
Interest
7.28% after bad debts
Description | IFISA £27 m since 2019 in a form of property lending that shares many characteristics with rental-home ownership (such as potential for profit on sale of property), with early exit. Available in an IFISA
Assetz Exchange Quick Expert Review
An outstanding P2P lending opportunity with well-contained risks, steady lending income and even with profits on sale of property 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 averaging 55% LTV. MINIMUM £10,000 (or £5,000 in IFISA)
Interest
7.00% after bad debts
Description | IFISA £138 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
Security consistently shows its worth, directors take the first hit of 10% on rare losses and interest paid out is 30 times losses 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
7.00% after bad debts
Description £333 m since 2016 in secured short-term (bridging) & property development loans, with early exit
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. Some interest rates shown are lower than on the Kuflink website, because we standardise the calculation to make it consistent with the other rates shown on 4thWay.
Kuflink Auto-Invest 3 Years. AVAILABLE AS AN IFISA
Interest
7.00% after bad debts
Description | IFISA £333 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. Some interest rates shown are lower than on the Kuflink website, because we standardise the calculation to make it consistent with the other rates shown on 4thWay.
Bridging Lending Account
Interest
10.41% after bad debts
Description £326 m since 2014 in secured short-term (bridging) loans, with early exit. MIN £5,000 PER LOAN. SOPHISTICATED/WEALTHY INVESTORS ONLY
Somo Quick Expert Review
The lengths that Somo goes to reduce risks when assessing borrowers are beyond what I’m used to seeing in bridging lending 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 B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Mostly Receiving Rent/also in an IFISA
Interest
9.14% after bad debts
Description | IFISA £215 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
Fantastic rental property security and high returns has earned lenders £23 million, with just £40,000 in losses 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/also in an IFISA
Interest
8.53% after bad debts
Description | IFISA £245 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
We earn commission and/or fees from this peer-to-peer lending provider to cover the costs of conducting our calculated ratings assessments. It doesn't affect our impartiality. See details below table.
SaveLend Lending Account
Interest
8.12% after bad debts
Description SEK 1 bn (£80 m) since 2017 to property developers, landlords, individual borrowers and business borrowers, with auto-lend, auto-diversification & early exit
Latest article on SaveLend
SaveLend Is 1st Scandinavian P2P Lending Company To Receive 4thWay PLUS Rating Expand to read more
SaveLend is for lending in Swedish krona. If you want to lend in £ only, use the filters above the table. We earn commission and/or fees from this peer-to-peer lending provider to cover the costs of conducting our calculated ratings assessments. It doesn't affect our impartiality. See details below table.
Property Lending Account/IFISA
Risk Scores N/A
Interest
13.27% after bad debts
Description | IFISA £41 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit. Available in an IFISA
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.
Litigation Funding
Too little info provided
History too small
4thWay Unrated
Risk Scores N/A
Interest
20.00% after bad debts
Description £10 m in litigation finance since 2019, with early exit
AxiaFunder Quick Expert Review
With realised gains so far of 39%, and being unaligned with recessions and property crashes, why wouldn’t you consider this opportunity? Expand to read more
The return shown is an approximate, provisional rate. We earn commission from this provider. 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
11.00% after bad debts
Description | IFISA £50 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.
Classic/IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
10.46% after bad debts
Description | IFISA £32 m lent against unique items of security (£58 m if including when borrowers have borrowed again) since 2014 secured mostly against watches, gold and art, with optional auto-lend & auto-diversification. IFISA available
Unbolted Quick Expert Review
Lenders have consistently earned excellent rates with no losses since launch in December 2014, although lenders might still limit their re-lending in renewed loans Expand to read more
Interest rate shown is higher than on the Unbolted website, because it assumes you can and will re-lend interest when you receive it from the borrower. This makes it consistent with the other rates shown on 4thWay.
Development Loans (Lending <£20k/Loan)
Too little info provided
History too small
4thWay Unrated
Risk Scores N/A
Interest
9.00% after bad debts
Description | IFISA £50 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
4thWay Unrated
Risk Scores N/A
Interest
8.05% after bad debts
Description £71 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 Quick Expert Review
Interest rates look good, but important details, access and information are missing 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
7.31% after bad debts
Description | IFISA £126 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 £47 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 its business has been struggling and it provides insufficient information, data and access to assess the risks Expand to read more
The Crow2Fund interest rate is an extremely rough estimate, due to insufficient info.
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 £210 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
Part of a much larger business that has been profitable for many years, but it doesn’t provide us with information to assess the risks 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 £38 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.

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 based in the UK, 4thWay’s specialists in investing, credit and credit-risk provide the most thoroughly researched and professional comparison.

We also show non-UK peer-to-peer lending providers if you can lend through them from the UK. You can exclude those from the table using the table filters. Click on “Refine your list” and select “Include lending in pounds only”.

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Commission, fees and impartial research: our service is free to you, including our peer-to-peer lending reviews, P2P comparison tables, ratings, guides and research articles. Some peer-to-peer lending companies above compensate us either when you open accounts or by covering the costs of conducting stress tests and calculating ratings. Read How We Earn Money Fairly with Your Help.

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Click on 2-5 checkboxes and click “Compare selected” to compare over 100 data points.

All P2P lending providers are eligible to be listed in the comparison table if 4thWay is provided enough information to assess them properly.

For a list of the providers that aren’t in the peer-to-peer lending comparison table, and the reasons why they’re missing, read this FAQ: Why don’t you list LendInvest, easyMoney and some others?

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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