Provider profile
Loanpad
UK peer-to-peer lending · Property development · IFISA available
2
Products covered
Peer-to-peer lending
Innovative Finance ISA
Overview
About Loanpad
Editorial summary — not an endorsement.
Loanpad is listed on WiT Money as a UK peer-to-peer lending platform. Loan types recorded: Property-backed; bridging; property development; business funding. Minimum investment £0.01. An Innovative Finance ISA (IFISA) is recorded as available. The ISA wrapper does not remove investment risk. Target return recorded: Classic target 4.8%; Premium target 5.8%; variable and not guaranteed. Classic: withdrawal request subject to available liquidity; Premium: 60-day notice or early-access fee where available. Investor fees: No standard platform fee · Premium early-access fee up to 0.5% where available. Typical term recorded: 3–24 months. Your capital is at risk, and you may not be able to access your money when you want. Ordinary losses on P2P loans are generally not covered by the FSCS. Access depends on funds being available. IFISA available. No conventional self-select loan marketplace. Details last verified 2026-08-10.
Loanpad is recorded as FCA authorised. The Innovative Finance ISA dataset records FRN 741576. Last checked in the WiT Money dataset on 2026-08-10. Confirm current permissions on the Financial Services Register before you invest.
Products offered
What Loanpad offers
Key product areas we track on WiT Money — rates and availability change.
Peer-to-peer lending
Peer-to-peer lending
Loanpad: Property-backed; bridging; property development; business funding. Minimum investment £0.01. IFISA available. No standard platform fee · Premium early-access fee up to 0.5% where available. Classic: withdrawal request subject to available liquidity; Premium: 60-day notice or early-access fee where available. Capital is at risk.
Property development · 4.8%–5.8% target, not guaranteed · Min £0.01
Compare in categoryInnovative Finance ISA
Innovative Finance ISA
Loanpad IFISA: Peer-to-peer property-backed lending. No account minimum shown; ISA transfers in must be at least £500 in cash. ISA transfers in are recorded as accepted. Recorded transfer types: Cash ISA, Stocks & Shares ISA, IFISA. ISA manager: Loanpad ISA manager / platform. Classic target 4.8%; Premium target 5.8%; variable and not guaranteed. Investor fee: No standard platform fee stated. Classic offers liquidity-dependent access; Premium uses 60-day notice or early-access terms. Access is not guaranteed. The ISA wrapper does not remove investment risk. Capital is at risk.
No account minimum · 4.8%–5.8% target, not guaranteed · ISA transfers in
Compare in categoryAt a glance
Pros and cons
Recorded product facts for Loanpad. Terms, eligibility and pricing can change.
Pros
- Property-backed; bridging; property development; business funding
- Minimum investment £0.01
- Recorded target return: Classic target 4.8%; Premium target 5.8%; variable and not guaranteed
- Low minimum investment
- Automatic diversification available
Cons
- Target returns are not guaranteed
- Capital is at risk
- Early access depends on available liquidity
- Ordinary P2P investment losses are generally not FSCS-protected
- Property concentration risk may apply depending on loan book
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Comparison links
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Open comparisonInnovative Finance ISA
Read how an IFISA wrapper works. It does not remove investment risk.
Open comparisonFAQ
Frequently asked questions about Loanpad
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