P2P Lending and Debt

Compare some of the best P2P lending companies and rates as well as other debt based investments. Peer-to-peer lending is where you lend money to businesses or individuals in return for interest.

Please visit Learn with OFF3R for more information on whether this type of investment is right for you.

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Downing Crowd
Downing Crowd

Downing Crowd

Downing Crowd allows you to lend money to UK businesses by investing through asset-backed bonds, typically offering returns from 4% to 7% p.a.
4.00 to 7.00% Net
Projected annualised return
12 to 24 Months
Term
£ 100
Min. Investment
£ 1,040
Estimated 1 year value*
30 Day Access Account
Assetz Capital

30 Day Access Account

Until midday 11 May investors can benefit from a capped return of 4.75% for up to 90 days after an investment is made. The account invests in both short and long-term loans and interest is earned and paid monthly. T&Cs Apply. Capital At Risk.
4.75% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,048
Estimated 1 year value*
Growth Street Investor Reward
Growth Street

Growth Street Investor Reward

Growth Street’s marketplace aims to provide investors with a simple way to potentially earn a decent return. Invest £2,000 for 1 year — Get a £100 bonus. Terms & Conditions Apply. Capital At Risk.
£2000
Minimum Investment
£100
Bonus Amount
1st May 2017
End Date
Octopus Choice
Octopus Choice

Octopus Choice

A chance to invest alongside an experienced investment company, Octopus, in its own property-backed loans. £10 minimum. Quick and easy. No fixed term.
4.00% Gross
Projected annualised return
0 to 60 Months
Term
£ 10
Min. Investment
£ 1,040
Estimated 1 year value*
Together
WiseAlpha

Together

A corporate high-yield bond opportunity with Together, a specialist lender to niche markets offering short-term finance, auction finance, residential, buy-to-let and commercial mortgages, and secured loans.
9.70% Gross
Projected annualised return
12 Months
Term
£ 100
Min. Investment
£ 1,097
Estimated 1 year value*
Assetz Capital
Assetz Capital

Assetz Capital

Assetz Capital are one of the leading peer to peer lending businesses. Investors can choose from 5 different investment accounts: Quick Access, 30 Day, Great British Business, Green Energy Income and Manual Loan. Capital At Risk.
3.75% to 15.15% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,038
Estimated 1 year value*
Virgin Media Corporate Bond
WiseAlpha

Virgin Media Corporate Bond

Virgin Media plc is a British company providing fixed broadband internet services in the UK. Investors with WiseAlpha can invest in senior secured corporate loans and bonds of major British companies.
6.10% Gross
Projected annualised return
12 Months
Term
£ 100
Min. Investment
£ 1,061
Estimated 1 year value*
Money&Co.
Money&Co

Money&Co.

Money&Co. is a P2P business lending platform that allows individuals, family offices or institutions looking for a better rate of interest on their cash to lend to small businesses that need to borrow in order to grow.
8.60% Gross
Projected annualised return
0 to 60 Months
Term
£ 100
Min. Investment
£ 1,086
Estimated 1 year value*
Alternate Energies Solar Bond 2
Downing Crowd

Alternate Energies Solar Bond 2

An opportunity to invest in a portfolio of solar photovoltaic (PV) systems that have been accredited by OFGEM. Investors with Downing Crowd can lend directly to UK businesses via bonds secured on tangible assets.
5.00% Net
Projected annualised return
8 Months
Term
£ 100
Min. Investment
£ 1,050
Estimated 1 year value*
Lending Works
Lending Works

Lending Works

Lending works is an online consumer peer-to-peer lending platform which matches shrewd lenders seeking better returns on their money with creditworthy borrowers looking for good value, hassle-free personal loans.
3.50% to 4.40% Gross
Projected annualised return
36 to 60 Months
Term
£ 10
Min. Investment
£ 1,035
Estimated 1 year value*
Pizza Express Corporate Bond
WiseAlpha

Pizza Express Corporate Bond

PizzaExpress is the market-leading casual dining brand in the UK, where the company currently operates over 484 sites. Investors with WiseAlpha can invest in senior secured corporate loans and bonds of major British companies.
6.50% Gross
Projected annualised return
12 Months
Term
£ 100
Min. Investment
£ 1,065
Estimated 1 year value*
Zopa
Zopa

Zopa

Zopa offers 3 Investment Accounts: Access, Plus and Classic. Whether you are wanting to dip into your money occasionally, wanting to put your money away and leave it to grow or wanting a higher return for more risk there is something suitable for you.
3.50% to 6.70% Net
Projected annualised return
1 to 60 Months
Term
£ 10
Min. Investment
£ 1,035
Estimated 1 year value*
RateSetter
Ratesetter

RateSetter

The RateSetter Everyday Account allows access to all 3 RateSetter Markets: Rolling Account, 1 Year Account and 5 Years Account. With no restriction to how much or how little you can invest. Capital At Risk.
3.10% to 5.20% Gross
Projected annualised return
6 to 60 Months
Term
£ 10
Min. Investment
£ 1,031
Estimated 1 year value*
Growth Account
LendingCrowd

Growth Account

P2P lending investment opportunity spread across at least 20 different loans through the LendingCrowd Loan Market. No more than 5% of your funds will be invested in any one loan.
6.00% Net
Projected annualised return
1 to 60 Months
Term
£ 1000
Min. Investment
£ 1,060
Estimated 1 year value*
Self Select Account
LendingCrowd

Self Select Account

In a more hands-on approach to investing in peer-to-peer lending, the LendingCrowd Self Select Account lets you choose how to invest your money on the Loan Market, in a range of credit-assessed investment opportunities
5.95% Gross
Projected annualised return
1 to 60 Months
Term
£ 20
Min. Investment
£ 1,060
Estimated 1 year value*
Risk Warning : Investing in or lending to early stage businesses involves a high level of risk, including illiquidity (inability to sell assets quickly or without substantial loss in value), lack of dividends, loss of capital and dilution risks and it should be done only as part of a diversified portfolio. Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future. Your capital is at risk.
*Projected Annualised Return figures have been provided by the partner platform and not by OFF3R. The Net figures provided take in to account fees and expected losses whilst the Gross figures do not take in to account platform fees or expected losses. We present an annualised figure regardless of term for comparison purposes only.Estimated 1 year values are included for illustrative purposes only. This figure includes the initial investment in addition to any projected annualised returns that the investment may deliver. Your own investment result may differ from this figure based on a number of other factors.The calculation is based on the expected investment field within the sort and filter section of the page. The calculation will assume an initial investment amount of £1,000 if no expected investment is provided by the user. For investments with a term below 12 months we have shown an estimated annual return for comparison purposes only.