Peer to Peer Lending

Compare some of the best peer to peer (P2P) lending companies and rates available with OFF3R. Learn about P2P lending and the different ways that you can invest.
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1 Year Fixed Term Account
Goji

1 Year Fixed Term Account

Goji’s Diversified Lending Bonds allocate funds across selected lenders to diversify investors across a number of platforms, loan classes & secured loans. Aiming to generate attractive returns whilst mitigating credit, platform & investment risk.
5.00% Net
Projected annualised return
12 Months
Term
£ 1000
Min. Investment
£ 1,050
Estimated 1 year value*
Tracker Classic Account
Landbay

Tracker Classic Account

With the Landbay Tracker product the simple rate of interest is 2.70% 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.
2.70% Net
Projected annualised return
1 Months
Term
£ 100
Min. Investment
£ 1,027
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*
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.
3.49% Net
Projected annualised return
36 Months
Term
£ 100
Min. Investment
£ 1,035
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.
6.00% Gross
Projected annualised return
1 to 60 Months
Term
£ 20
Min. Investment
£ 1,060
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*
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*
Tranche B (Medium Risk)
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*
The Great British Business Account
Assetz Capital

The Great British Business Account

The Great British Business Account (GBBA) allows investors to automatically diversify funds in a number of UK SME businesses in order to help spread risk. All loans are secured against property. Capital At Risk.
7.00% Gross
Projected annualised return
1 to 60 Months
Term
£ 1
Min. Investment
£ 1,070
Estimated 1 year value*
Tranche A (Lower Risk)
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*
Crowd2Fund
Crowd2Fund P2P

Crowd2Fund

Crowd2Fund is a directly regulated FCA peer-to-peer lending platform. Investments have a pre-defined interest rate which is clearly shown, between 6% - 15%, averaging at 8.7% APR. Capital At Risk
8.70% Gross
Projected annualised return
24 to 48 Months
Term
£ 100
Min. Investment
£ 1,087
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*
Secured and Insured
ArchOver

Secured and Insured

The ArchOver ‘Secured & Insured’ lending model allows Lenders to invest in loans that are secured against a company’s insured Accounts Receivable. Lenders receive between 6.5% - 9% p.a. in interest, paid monthly throughout the loan term.
6.50% to 9.00% Gross
Projected annualised return
12 to 36 Months
Term
£ 1000
Min. Investment
£ 1,065
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*
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*
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*
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*
Tranche C (Higher Risk)
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*
Risk Warning: Your capital is at risk. The value of your investments can go down as well as up and you may get back less than you invest. Please seek independent financial advice if you are unsure whether an investment is suitable for you. For more information, please see our full risk warning.