Grow your money with a Loanpad innovative finance ISA

*Interest rates are variable and will be updated in real time on our website

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What is a Loanpad ISA?

Our Loanpad ISA allows the interest you make through the loans on our platform to be exempt from tax (income and capital gains). The Loanpad ISA is a flexible ISA, so you can withdraw money and replace it in the same tax year without the replacement counting towards your yearly ISA allowance.


Our Loanpad ISA works just like our standard Classic and Premium Accounts – you just enjoy tax-free interest. Read our ISA FAQs to learn more about how you manage your money in your Loanpad ISA.

8 Reasons you'll love the Loanpad ISA

Invest up to £20,000 with your 2018/19 ISA allowance and pay no Income Tax and Capital Gains Tax

Invest in either or both of our Classic and Premium Accounts

Interest paid daily

Withdraw interest as cash or reinvest your interest in new loans

Our IF ISA accounts benefit from the same protection as our standard accounts

No fee to withdraw money from your ISA Classic Account

Minimum investment just £10

Transfer as many ISAs (of any type) from previous tax years as you like – and up to any amount

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3 simple steps to opening up a Loanpad account

Sign up to Loanpad

Fill in an ISA application

Fund your ISA

Fill in our simple online application to become a Loanpad investor

Give us key details in just a few minutes - your ISA will be opened and instantly ready to use

Put your money in a Classic or Premium ISA Account – or both. They work the same way as our standard accounts

Are you eligible?

You must be 18 years or over

You must be a UK resident

More about Loanpad

Loanpad gives you the flexibility and transparency of an online account with inflation-busting interest - all on an easy-to-use online platform. And you can enjoy your interest tax-free with a Loanpad ISA.


Authorised by the Financial Conduct Authority (FCA), we're underpinned by smart property loans - meaning we can pass on stable returns to you while keeping overheads and risks as low as possible.


Think of us as an online account with inflation-busting interest. Think of us as a peer-to-peer lending platform that's simple to use and built for lower risk. We're all of this, and more.


See how Loanpad works

Our lending accounts are not bank accounts and involve risk to your capital. Additionally, daily access cannot be guaranteed. Like all peer to peer lending, Loanpad is not covered by the Financial Services Compensation Scheme. Loanpad is authorised and regulated by the Financial Conduct Authority.

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