A peer-to-peer lending platform offering investors a simple and transparent way to boost your income. Interest paid daily. Watch your money grow with Loanpad.

Welcome to Loanpad

Daily interest

Daily access

£10 minimum

FCA authorised

Tax free

Capital at risk. Not protected by the FSCS. Past performance is not an indicator of future results.

Sign up today and qualify for a welcome bonus

Just enter the reference 'WB620' when signing up

Invest £5,000 for 365 days and receive £50

Invest £10,000 for 365 days and receive £100

or click here to log in.

Capital at risk. Not protected by the FSCS. Past performance is not an indicator of future results.

Capital at risk. Not protected by the FSCS. Past performance is not an indicator of future results.

Lower risk

Tax-free interest

Daily Interest

Total control

We partner with established property lenders and spread your money evenly every day across a portfolio of secured property loans.

Open a Loanpad ISA and start investing with as little as £10 and grow your money tax-free.

Reinvest your daily interest and reap the benefits of compound interest.

Move your money between accounts and check your interest any time.

Current Loanbook Statistics

£148,869,149

Total Live Loans

£75,430,612

Total Loanpad

Participation

£73,438,536

Total Lending Partner Participation

Suspended Loan Rate

0%

Capital Losses To Date

£0

Average LTV

40%

These figures were last updated on the

18 November 2022

Our reviews

Take a look at what our investors think of Loanpad so far....

I've been investing in this excellent company for the past two years or so. They operate a lower risk Peer to Peer product and their customer service are wonderful to deal with. The two investment products pay competitive interest for the risks involved and the interest is added daily to my two accounts. The website is also very easy to navigate. I can very highly recommend this company to invest in either in their standard or ISA accounts.

Superb Peer to Peer Company.

"

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Choose the account that suits you best, with or without an ISA wrapper. You can move money between Loanpad accounts and check your interest 24/7.

Our accounts

These are annual target interest rates paid daily into your cash account – after fees but before tax. If you choose to reinvest your interest daily, you’ll enjoy even higher returns. Rates are variable and could change.

We do all we can to release your money as soon as you ask for it. But this does depend on funds being available, and from time to time there may be a slight delay.

Capital at risk. Not protected by the FSCS. Past performance is not an indicator of future results.

ISA eligible

Your money

diversified daily

Interest paid daily

to cash account

Designed for

lower risk

Simple and transparent

We’ve designed Loanpad for maximum simplicity and transparency. We don’t charge a fee, but make a margin on the rate of interest paid by borrowers. Essentially, we make money when you make money – so it’s in everyone’s interest to make sure every single loan is rock-solid.

How it works

Put money into your cash account by bank transfer or standing order.

Make a deposit

Choose your account

Enjoy daily interest

Stay in control

Choose to lend through your Classic or Premium account, or both. You can move your money around to suit your needs.

Watch your interest grow from your fully diversified portfolio of lower-risk property loans.

Enjoy free access, flexible accounts and complete visibility of your interest and diversified loans.

Capital at risk. Not protected by the FSCS. Past performance is not an indicator of future results.

Why open a Loanpad ISA?

Inflation-busting interest, tax-free

Enjoy 3.40% returns with a Loanpad ISA Classic account and 4.60% returns with ISA Premium.

Simple

It’s quick and easy to open a Loanpad ISA and you can move money between your ISA accounts just as you can in your standard accounts.

Flexible

You can reinvest or take out your interest – and move money in and out of your ISA account as often as you like (in the same tax year). Read more about a flexible ISA.

Protected

Our ISA accounts enjoy the same innovative risk protection as all our accounts: shared lending through established property lenders (lending partners), daily diversification and more.

Transfers

You can transfer ISAs you have with other ISA providers to Loanpad and benefit from our competitive rates. And if you transfer previous years’ ISAs, it won’t affect your current year’s allowance.

Sign up today and qualify for a welcome bonus

Just enter the reference 'WB620' when signing up

Invest £5,000 for 365 days and receive £50

Invest £10,000 for 365 days and receive £100

or click here to log in.

Capital at risk. Not protected by the FSCS. Past performance is not an indicator of future results.

Capital at risk. Not protected by the FSCS. Past performance is not an indicator of future results.

Capital is at risk

No FSCS protection

Past performance

Economic factors

As with any investment, your capital is at risk and your investment may go up or down in value.

You won't be covered by the Financial Services Compensation Scheme (FSCS) for potential future losses.

As with all investments, past performance is not an indicator of future results.

Changes in economic climate and / or geopolitical events could negatively impact the value of your investment.

Copyright © 2022 Loanpad Limited. All Rights Reserved

Terms Privacy Policy Cookie policy Risk Notice I Key Information FAQs Contact

Loanpad Limited is authorised and regulated by the Financial Conduct Authority (FRN:741576) and by HMRC as an ISA manager. Loanpad is not covered by the Financial Services Compensation Scheme (FSCS). As with any investment, your capital is at risk and your investment may go up or down in value.