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Compare Peer To Peer Lending

P2P (peer to peer) lending is when investors lend their money via a platform direct to a business, individual or against a property/asset at an agreed rate. There is no guarantee against losses, however some P2P lenders have a provision fund, secure the debt against an asset or spread the risk amongst multiple loans. See our P2P guide.


Compare Platforms

Pit two platforms head to head to see how that compare! Select two platforms in the drop-down menus below to view a full comparison.

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P2P lending volumes

Zopa £3,585,775,091
Funding Circle £3,448,615,744
Ratesetter £2,654,186,115
Market Invoice £1,950,039,513
ThinCats £296,638,000
Landbay £138,105,002
Lending Works £75,715,356
Funding Knight £31,485,000
LendingCrowd £30,253,516
Crowd2fund £21,173,850
Rebuilding Society £13,490,974
Relendex £12,706,000

Monthly volumes for the leading platforms


  • Folk2folk Sponsored

    IFISA
    Yes

    Term (months)
    6 - 60

    Minimum investment
    £20,000

    Default rate
    6.5%

    Established
    14/08/2012

    Provision fund
    N/A

    Est. interest
    up to6.5%

    Folk2Folk is a peer-to-peer lending platform for business loans that are secured against UK land or property. Investors can choose from 2 different term lengths; the 'Rolling loan' which has a 6 mon..
  • YesGrowth Sponsored

    IFISA
    No

    Term (months)
    3 - 12

    Minimum investment
    £50,000

    Default rate
    0%

    Established
    22/05/2013

    Provision fund
    N/A

    Est. interest
    N/A

    An alternative finance provider offering investments in finance loans held by SMEs. YesGrowth offer both secured and unsecured loans with various terms. Investors will be able to hold diverse portfo..
  • Relendex Sponsored

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £2,500

    Default rate
    0%

    Established
    10/01/2011

    Provision fund
    N/A

    Est. interest
    up toup to 6%

    Relendex are a P2P short term property loan specialist. Customers can invest over a period of 6 months to 5 years and can choose individual loans to invest in, or use Relendex's autolending system a..
  • British Pearl Sponsored

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £100

    Default rate
    N/A

    Established
    24/07/2015

    Provision fund
    Yes

    Est. interest
    up to4.4%

    A property investment platform for users to invest in, or share loans within the UK property market from as little as £100. As an asset manager, the company does not involve any intermediaries..
  • Funding Circle Sponsored

    IFISA
    No

    Term (months)
    6 - 60

    Minimum investment
    £1,000

    Default rate
    1.7%

    Established
    21/07/2009

    Provision fund
    N/A

    Est. interest
    up to5% - 7%

    Funding Circle is one of the oldest P2P lenders (est. 2009) for business loans. More than 3,900 businesses have managed to finance their targets through £3.8billion being lent through Funding ..
  • Money Thing Sponsored

    IFISA
    Yes

    Term (months)
    - 12

    Minimum investment
    £1,000

    Default rate
    0%

    Established
    08/10/2004

    Provision fund
    N/A

    Est. interest
    up to8% - 13%

    MoneyThing is a peer-to-peer lending platform established in February 2015. Businesses can borrow from £250k to £5m over a term of 3 months to 5 years. All loans are secured against..
  • Crowdstacker Sponsored

    IFISA
    Yes

    Term (months)
    12 - 36

    Minimum investment
    N/A

    Default rate
    0%

    Established
    27/05/2014

    Provision fund
    N/A

    Est. interest
    up to5%-7%

    Established in May 2014, Crowdstacker is an FCA regulated Peer to Peer lending platform that allows people to lend to British businesses via bonds, loan notes and peer to peer loans. Businesses can ..
  • ThinCats

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £1,000

    Default rate
    0%

    Established
    10/05/2010

    Provision fund
    N/A

    Est. interest
    up to7-8%%

    ThinCats supports growing SMEs from all sectors by facilitating financial lending and borrowing practices. There is over £500m capital to deploy and £294m has already been lent across 94..
  • Market Invoice

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Default rate
    2%

    Established
    29/07/2010

    Provision fund
    N/A

    Est. interest
    N/A

    Established in 2011, MarketInvoice is a peer-to-peer lender specialising in invoice financing. They offer a variety of different invoice financing solutions such as; Selective Invoice Discounting, C..
  • Formax

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £100

    Default rate
    N/A

    Established
    16/05/2014

    Provision fund
    Yes

    Est. interest
    up to5.5%%

    The Formax Group are a financial services company offering loans from £25k to £100k over a period of 6 months to 5 years. Both borrowers and lenders can expect average interest rates of ..
  • Code Investing

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £1,000

    Default rate
    N/A

    Established
    15/07/2011

    Provision fund
    N/A

    Est. interest
    up toup to 10%

    A well-established debt finance platform. CODE Investing's marketplace caters for a vast range of regular and non-traditional investors. There are opportunities to invest and borrow in both business..
  • Proplend

    IFISA
    Yes

    Term (months)
    0 - 12

    Minimum investment
    £1,000

    Default rate
    N/A

    Established
    03/12/2012

    Provision fund
    N/A

    Est. interest
    up to5-12%

    Proplend is an online marketplace for risk-adjusted, secured lending at fixed interest rates ranging from 5% to 12% per annum. All loans are supported by a 1st legal charge on commercial properties ..
  • Zopa

    IFISA
    Yes

    Term (months)
    0 - 60

    Minimum investment
    £1,000

    Default rate
    0.26%

    Established
    04/08/2004

    Provision fund
    Yes

    Est. interest
    up toup to 5.2%

    Zopa are one of the oldest P2P lenders in the market. Since 2005, they have approved £3.64bn worth of loans with APRs ranging from 2.9% to 34.9% and currently approve more than £2m per d..
  • Ratesetter

    IFISA
    Yes

    Term (months)
    N/A

    Minimum investment
    £10

    Default rate
    0.92%

    Established
    13/11/2009

    Provision fund
    Yes

    Est. interest
    up to6.3%

    Ratesetter are a P2P lender, established in 2010. There are 4 ways of earning interest on your money; monthly rolling market rate, 1 year market rate, 5 year market rate or set your own interest rat..
  • LendingCrowd

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £1,000

    Default rate
    1.57%

    Established
    27/01/2014

    Provision fund
    N/A

    Est. interest
    up to6%

    LendingCrowd is a P2P lender that offer business loans from £5k to £500k over 6 months to 5 years with interest rates starting from 5.95%. Funds can be raised quickly and will be charged..
  • Lending Works

    IFISA
    Yes

    Term (months)
    36 - 60

    Minimum investment
    £1,000

    Default rate
    0%

    Established
    21/11/2012

    Provision fund
    Yes

    Est. interest
    up to4.5% - 6%

    A peer-to-peer lender hosting creditworthy borrowers with personal loans to invest in. Lending Works pride themselves on being honest, fair and transparent when connecting lenders and borrowers toge..
  • Rebuilding Society

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £10

    Default rate
    N/A

    Established
    11/12/2011

    Provision fund
    N/A

    Est. interest
    up toOver 8%

    A P2P platform bringing together ethically-minded people to serve society better through moral investments. Rebuilding Society helps lenders by creating a clear and concise communication channel be..
  • Bond Mason

    IFISA
    Coming soon

    Term (months)
    N/A

    Minimum investment
    £5,000

    Default rate
    0.5%

    Established
    01/06/2015

    Provision fund
    N/A

    Est. interest
    up to8%

    Established in 2015, BondMason are a peer to peer lender for loans.  There are 3 options to choose how to invest; 'Autobid' where you can choose to invest automatically across all the Receivabl..
  • Crowd2fund

    IFISA
    Yes

    Term (months)
    6 - 60

    Minimum investment
    £100

    Default rate
    0%

    Established
    04/04/2013

    Provision fund
    N/A

    Est. interest
    up to8.7%

    Crowd2Fund is a peer-to-peer platform that offers debt and equity investments. Businesses can borrow loans from £10k to £1m over a term of 1 to 5 years. Invest in individual business loa..
  • Landbay

    IFISA
    No

    Term (months)
    1 - 25

    Minimum investment
    £100

    Default rate
    0%

    Established
    29/08/2013

    Provision fund
    Yes

    Est. interest
    up to3.18% - 3.54%

    A P2P marketplace for buy-to-let mortgage investments. Landbay spreads an investor's funds across multiple mortgages for a more diverse portfolio, instead of relying on one loan. Customers can inves..
  • Money & Co

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £1,000

    Default rate
    N/A

    Established
    10/06/2013

    Provision fund
    N/A

    Est. interest
    up to7%

    Money & Co are a peer to peer lending platform that offer flexible business loans from £50k up to £3m with usual loan terms between 1 and 5 years. Lenders can browse the auction site..
  • QuidCycle

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £500

    Default rate
    6.38%

    Established
    08/10/2010

    Provision fund
    Yes

    Est. interest
    up toup to 7.3%

    QuidCycle are a peer to peer lending platform that offer personal loans. Borrowers can get loans from £2.5k to £25k over 1 year, 3 year or 5 year periods. Investors can invest from &pou..
  • Archover

    IFISA
    No

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Default rate
    0%

    Established
    26/04/2010

    Provision fund
    N/A

    Est. interest
    up toup to 10%

    Established in 2014, Archover is a P2P lender of business loans. Businesses can invest from £1000 over a fixed term period of 3 to 36 months. Lenders can choose to invest in business sectors o..
  • Funding Knight

    IFISA
    No

    Term (months)
    6 - 60

    Minimum investment
    N/A

    Default rate
    0%

    Established
    17/02/2011

    Provision fund
    N/A

    Est. interest
    N/A

    FundingKnight is a crowd lending lending platform that can offer loans for various purposes.  They take a holistic view to assessing businesses and provide solutions that fit the desired criter..
  • Octopus Choice

    IFISA

    Term (months)
    N/A

    Minimum investment
    £10

    Default rate
    N/A

    Established
    26/02/2014

    Provision fund
    N/A

    Est. interest
    up to4%

    Octopus Choice allows investors to partake in secured property peer-to-peer lending. There is no fixed term or hidden fees and charges for investing in a loan. The company has lent nearly £3bn..
  • Simple Crowdfunding

    IFISA
    Yes

    Term (months)
    3 - 12

    Minimum investment
    £100

    Default rate
    0%

    Established
    16/06/2000

    Provision fund
    N/A

    Est. interest
    up to9%

    Simple Crowdfunding specialises in connecting borrowers with lenders through the property market. The company works with small and large developers including those with portfolios valued at over &po..
  • Assetz Capital

    IFISA
    No

    Term (months)
    1 - 60

    Minimum investment
    £1

    Default rate
    N/A

    Established
    27/03/2012

    Provision fund
    Yes

    Est. interest
    up tofrom 4.1%

    A peer-to-peer lending platform for investors to take control of their funds and make their money work for them. Assetz Capital caters to both borrowers and lenders, as well as individuals and busin..

Disclaimer

The statistics are generated from data we have collected. We can not guarantee that there are no errors, omissions or inaccuracies.

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph