Self Select Account

6.00% Gross
Projected Annualised Return*
£ 20
Min. investment
1 to 60 Months

Self Select Account Overview

Minimum Investment?£20
Target Rate of Return?6% Gross Per Annum*
Fees?1% of the amount invested
Repayment Frequency?Monthly (of interest & capital)
Term?No fixed term — full or partial withdrawals at any time

*Note: Investors can earn between 5.95% and 12.25% or more based upon LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan in which you choose to invest. Higher risk investments may yield greater returns but can also lead to lower returns if the business is not able to fully repay its debts. This is known as Bad Debt. 

How LendingCrowd Self Select Account Works?

With a Self Select Account you choose how to invest your money on the Loan Market. There are two types of loan you can invest in:

  • New loans — bid in an online auction where you decide how much you would like to lend to each borrower, and at what interest rate. You can invest from as little as £20 and bid at rates starting from 5.95%**.


  • Existing loans — you can buy loans from other investors on our Loan Market. There is no bidding involved and you can invest instantly. 


  • Loan sales — you can choose to the list your loans for sale on our Loan Market. All sales are subject to a fee of 0.5%.

Accessing Your Money 

Your investment with LendingCrowd is fully flexible.

You can cash in all or part of your account balance at any time by ‘selling’ your loan investments. There is a 0.5% fee for selling your loan parts. The time taken to access your funds depends on the availability of other investors wanting to buy these loan parts.

*NB: Projected Annualised Return 

*This figure has been provided by the partner platform and not by OFF3R. It has been calculated as a projected annualised gross return. This means that the return figure reported over 12 months does not take in to account any platform fees or charges nor any tax that may need to be paid by the investor. We present an annualised figure regardless of term for comparison purposes only

Risk Warning

As an Investor it’s important to remember you’re lending to businesses so your capital is at risk. Borrowers need to be mindful that defaulting might lead to the debt being passed to an Agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

*The current estimated return is an estimate of the annual (October 2015 to October 2016) return after fees and estimated bad debts that investors could earn. It is calculated by taking the gross interest rate less fees and estimated bad debts that will occur in the future. The average return is compounded and before tax.

Platform Risk Warning

Your capital is at risk if you lend to businesses. Lending is not covered by the Financial Services Compensation Scheme. For more information see our full risk warning.