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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Fixed Rate Classic Account
Landbay

Fixed Rate Classic Account

With the Landbay Fixed Rate product your investment will be allocated to multiple loans. The loans you invest in could be fixed for periods of 2, 3 and 5 years. Landbay provides lenders direct access to fund the mortgages of buy-to-let properties.
3.75% Net
Projected annualised return
36 Months
Term
£ 100
Min. Investment
£ 1,038
Estimated 1 year value*
Tracker Classic Account
Landbay

Tracker Classic Account

With the Landbay Tracker product the simple rate of interest is 3.00% p.a. above London Interbank Offered Rate (LIBOR). When LIBOR changes, the Tracker Rate changes. Landbay provides lenders direct access to fund the mortgages of buy-to-let properties.
3.40% Net
Projected annualised return
1 Months
Term
£ 100
Min. Investment
£ 1,034
Estimated 1 year value*
The Property Secured Investment Account
Assetz Capital

The Property Secured Investment Account

The Property Secured Investment Account is a way to invest exclusively in property backed loans with automatic diversification intended to help you spread your risk across a diverse range of lending. Capital At Risk.
5.50% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,055
Estimated 1 year value*
30 Day Access Account
Assetz Capital

30 Day Access Account

The 30-Day Access Account (30DAA) allows investors to automatically invest in secured business loans that have passed Assetz Capital's strict credit checks. It offers a target, capped interest rate for investors of 4.25% gross per annum.
4.25% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,043
Estimated 1 year value*
Rolling Market Account
Ratesetter

Rolling Market Account

The RateSetter Rolling Market account allows investors to invest in loan terms between 6 months and 5 years. Capital and interest will be accrued everyday the funds are on loan and repaid upon withdrawal. Capital At Risk.
3.30% Gross
Projected annualised return
12 to 60 Months
Term
£ 10
Min. Investment
£ 1,033
Estimated 1 year value*
5 Year Market Account
Ratesetter

5 Year Market Account

The RateSetter 5 Year Market Account allows investors to invest in loan terms of up to 5 year with no restriction to how much or how little you can invest. Capital and interest aims to be repaid on a monthly basis. Capital At Risk
4.80% Gross
Projected annualised return
48 to 60 Months
Term
£ 10
Min. Investment
£ 1,048
Estimated 1 year value*
Quick Access Account
Assetz Capital

Quick Access Account

The Quick Access Account allows investors to automatically invest in secured business loans and seeks to provide a fair return on investment, while providing the fastest possible access to cash in normal market conditions. Capital At Risk.
3.75% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,038
Estimated 1 year value*
Manual Loan Investment Account
Assetz Capital

Manual Loan Investment Account

The Manual Loan Investment Account allows sophisticated investors to make manual investments in secured business loans, investors are able to read credit reports and set investment targets per loan. Capital At Risk.
6.00% to 18.00% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,060
Estimated 1 year value*
The Green Energy Income Account
Assetz Capital

The Green Energy Income Account

The Green Energy Income Account (GEIA) allows investors to automatically invest in business loans to renewable-energy projects that benefit from government subsidies, such as Feed-in Tariffs. Capital At Risk.
7.00% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,070
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. Capital At Risk.
5.95% Gross
Projected annualised return
1 to 60 Months
Term
£ 20
Min. Investment
£ 1,060
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. Capital At Risk.
6.00% Net
Projected annualised return
1 to 60 Months
Term
£ 1000
Min. Investment
£ 1,060
Estimated 1 year value*
Proplend - Tranche A (Lower Risk)
Proplend

Proplend - Tranche A (Lower Risk)

Proplend P2P connects investors directly to corporate borrowers via loans secured on property. Tranche A is a lower risk P2P loan with a Loan to Value between 0-50%. Capital At Risk.
6.34% Gross
Projected annualised return
6 to 36 Months
Term
£ 1000
Min. Investment
£ 1,063
Estimated 1 year value*
Proplend - Tranche B (Medium Risk)
Proplend

Proplend - Tranche B (Medium Risk)

Proplend P2P connects investors directly to corporate borrowers via loans secured on property. Tranche B is a medium risk P2P loan with a Loan to Value between 51-65%. Capital At Risk.
7.94% Gross
Projected annualised return
6 to 36 Months
Term
£ 1000
Min. Investment
£ 1,079
Estimated 1 year value*
Proplend - Tranche C (Higher Risk)
Proplend

Proplend - Tranche C (Higher Risk)

Proplend P2P connects investors directly to corporate borrowers via loans secured on property. Tranche C is a higher risk P2P loan with a Loan to Value between 66-75%. Capital At Risk.
9.39% Gross
Projected annualised return
6 to 36 Months
Term
£ 1000
Min. Investment
£ 1,094
Estimated 1 year value*
Archover
Archover

Archover

ArchOver is a Peer-to-Peer business lending service, connecting businesses requiring finance with investors seeking favourable, secure returns of up to 8.5% p.a.
8.50% Gross p.a.
Projected Annualised Return
3 Months to 3 Years
Term
£1000
Minimum Investment
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. Capital At Risk.
4.00% Gross
Projected annualised return
0 to 60 Months
Term
£ 10
Min. Investment
£ 1,040
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. Capital At Risk.
3.50% to 4.40% Gross
Projected annualised return
36 to 60 Months
Term
£ 10
Min. Investment
£ 1,035
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. Capital At Risk.
8.60% Gross
Projected annualised return
0 to 60 Months
Term
£ 100
Min. Investment
£ 1,086
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.