Compare platforms
Compare UK peer-to-peer lending platforms by loan type, minimum investment, diversification, IFISA availability, fees and access options. Target returns are not guaranteed and your capital is at risk.
P2P lending is a high-risk investment. You may lose some or all of your money and may not be able to access it when you want.
Capital at risk
You could lose some or all of your investment.
Returns not guaranteed
Target rates depend on borrower repayments.
Limited liquidity
You may not be able to withdraw or sell when you want.
FSCS
Ordinary losses on P2P loans are generally not covered by the FSCS.
Platform information last reviewed: 2026-08-10
11 P2P platforms
11 with IFISA access · 7 with automatic diversification · 10 with resale/access facilities
Property development
Target return
4.8%–5.8%
Not guaranteed
Minimum investment
£0.01
Access
60-day notice
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee · Premium early-access fee up to 0.5% where available
Mixed portfolios
Target return
Deal-specific
Not guaranteed
Minimum investment
£100
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee · 1% of Loan Part value payable by seller on secondary-market completion
Mixed portfolios
Target return
Deal-specific
Not guaranteed
Minimum investment
£20,000
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee · £250 one-off listing fee whether or not investment sells
Property development
Target return
7%–9.5%
Not guaranteed
Minimum investment
£500
Access
Hold to maturity
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee
Property development
Target return
From 6.5% gross
Not guaranteed
Minimum investment
£2,500
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
See platform fee schedule
Business lending
Target return
Deal-specific
Not guaranteed
Minimum investment
£10
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
See platform fee schedule
Commercial property
Target return
Loan/tranche-specific rates; target return
Not guaranteed
Minimum investment
£1,000
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee · 10% of interest received
Property development
Target return
Deal-specific
Not guaranteed
Minimum investment
£1,000
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee · 0.60% of capital sold, charged on successful resale
Business lending
Target return
Deal-specific
Not guaranteed
Minimum investment
£100
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee
Business lending
Target return
Deal-specific
Not guaranteed
Minimum investment
£100
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
1% intermediary / repayment fee · 1% intermediary / repayment fee
Business lending
Target return
6%–10%
Not guaranteed
Minimum investment
£1,000
Access
Conditional resale
Target returns are not guaranteed. Access depends on available liquidity.
Investor fees
No standard platform fee · 1% annual lender fee
What to compare
Understand who or what your money is financing.
Property-backed lending can provide security, but security does not prevent losses.
Spreading money across borrowers can reduce concentration risk.
Secondary markets and withdrawal queues do not guarantee early access.
Compare ongoing, exit and recovery-related charges.
Review arrears, defaults and realised outcomes — not just headline target returns.
Key risks
A borrower may not repay.
You may lose some or all of your investment.
You may not be able to sell when you want.
The platform itself could fail.
Property/security may not recover the full amount owed.
A small number of loans increases dependence on individual borrowers.
Target returns are not guaranteed.
Ordinary investment losses on P2P lending are generally not protected by the FSCS.
Important distinction
| Feature | P2P lending | Savings account |
|---|---|---|
| Capital | Capital at risk | Deposit |
| Return | Target return | Contractual interest rate |
| Credit exposure | Borrower default risk | No borrower-selection exposure |
| Access | Limited liquidity | Usually clearer access rules |
| FSCS | FSCS generally does not cover investment losses | Eligible UK deposits may receive FSCS deposit protection |
| Tax wrapper | Potential IFISA tax wrapper | Cash ISA may be available |
Do not treat P2P lending and savings as equivalent products. FSCS rules depend on the product and authorised firm.
Compare Savings AccountsTax wrapper
An IFISA is a tax wrapper that can hold eligible peer-to-peer investments. It may shelter qualifying interest from UK tax, subject to ISA rules.
An IFISA changes the tax treatment — it does not make the underlying P2P investment safer.
Explore IFISAsBefore you invest
Our methodology
We do not rank P2P platforms simply by the highest advertised target return. Commercial relationships do not determine factual platform information.
Editorial trust
Platform information last reviewed: 2026-08-10. Data last verified: 2026-08-10.
Rates, fees and access terms can change. Always confirm the final terms directly with the platform before investing.
Spotted an error? contact@witfinancegroup.com
FAQs
Quick answers before you compare or invest.
Continue exploring
Tax wrapper considerations for eligible P2P investments.
ExploreOwnership investments — different risk profile from lending.
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ExploreEducational guides on UK investing basics and risk.
ExploreHow WiT Money compares financial products.
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