Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

A simple, smart way to make more of your money

Do you have money sitting around? If so, inflation is taking a bite out of it every single day. As a peer-to-peer lending platform, Loanpad gives you a simple way to help reduce the impact of inflation and grow your investments for the future.

tickDaily interest
tickDaily access*
tick£10 minimum
tickFCA authorised

Lower risk

Building showing low ltv portions of loans

We partner with established property lenders and spread your money evenly every day across a portfolio of secured property loans to an initial maximum of 50%** of the total property value.

Tax-free interest

Money flower growing with water can

Open a Loanpad ISA and start investing with as little as £10 and grow your money tax-free.

Daily interest

Graph showing interest

Reinvest your daily interest and reap the benefits of compound interest.

Total control

Steering wheel to classic and premium accounts

Move your money between accounts and check your interest any time.

*Access times are based on normal market conditions and cannot be guaranteed.

** Loan to value may increase to a maximum of 55% to accommodate interest servicing.

Our accounts

Choose the account that suits you best, with or without an ISA wrapper. You can move money between Loanpad accounts and check your interest 24/7.

*Access times are based on normal market conditions and cannot be guaranteed.

These are annual target interest rates paid daily into your cash account before tax. If you choose to reinvest your interest daily, you’ll enjoy even higher returns through the benefits of compound interest. Rates are variable and could change.

We do all we can to release your money as soon as you ask for it. But this does depend on funds being available, and from time to time there may be a delay.

ISA eligible
Your money
diversified daily
Interest paid daily
to cash account
Designed for lower
risk property loans

Simple and transparent

We’ve designed Loanpad for maximum simplicity and transparency. We don’t charge a fee, but make a margin on the rate of interest paid by borrowers. Essentially, we make money when you make money – so it’s in everyone’s interest to make sure every single loan is rock-solid.

How it works

Step 1
Make a deposit 
Put money into your cash account by bank transfer or standing order.
Step 2
Choose your account
Choose to lend through your Classic or Premium account, or both. You can move your money around to suit your needs.
Step 3
Enjoy daily interest
Watch your interest grow from your fully diversified portfolio of lower-risk property loans.
Step 4
Stay in control 
Enjoy free access, flexible accounts and complete visibility of your interest and diversified loans.

How we safeguard your money

No lending account is completely risk-free. But Loanpad is built to keep the risk to your money as low as possible. Here’s how...

Daily spreading

Every day your money is diversified across our entire book of loans. Not only does this reduce the impact from any one borrower defaulting, but it means there’s no difference between drip feeding money into your Loanpad account or putting in a lump sum. You get the same great rates at the same risk either way.

Loanpad's diversification wheel showing daily spread of loans

Shared loans for lower risk

We limit your share of every loan to a maximum of 50%** of the total property value.

We achieve this by typically sharing loans with our lending partners – we only work with carefully vetted established lenders. They generally manage each loan with our oversight and are responsible for the higher risk part (called the ‘junior tranche’). As the lending partner will take at least 25% of the loan, there’s lower risk to you if a borrower defaults. If this does happen, your money will be repaid (plus interest) before the lending partner’s share.

This also means it’s in our lending partners’ interest to check potential borrowers extensively, just as we do.

** Loan to value may increase to a maximum of 55% to accommodate interest servicing.

Building showing split in loanpads LTV

Responsible lending

We only take on carefully vetted lower-risk property loans. As part of our extensive due diligence for approving each loan, we look at a range of factors such as the property valuation, experience and activity of each borrower and review asset and liability statements. Our panel of solicitors also check the legality and security of a potential loan and borrower. All loans are backed (secured) by property that we can sell to recover your money if the loan defaults.

Scales showing responsible property lending

Interest Cover Fund (ICF)

We safeguard your daily income using this unique ring-fenced fund which may cover your daily interest payments. With short-term property loans, delays can happen – this fund exists to help you get paid daily, in full. You can see real-time details of this fund on our platform at any time. More about the interest cover fund.

The Interest Cover Fund we offer does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The fund has absolute discretion as to the amount that may be paid including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Interest Cover Fund when considering whether or how much to invest.
Interest cover fund flow chart

Ready to grow your money?

Loanpad is a smart way to invest in property loans while keeping risk as low as possible.

You should know...

Capital is at risk

Exclamation mark risk icon

As with any investment, your capital is at risk and your investment may go up or down in value.

No FSCS protection

No FSCS icon

You won't be covered by the Financial Services Compensation Scheme (FSCS) for potential future losses.

Past performance

Past Performance Loanpad icon

As with all investments, past performance is not an indicator of future results.

Economic factors

Economic factors glob icon

Changes in economic climate and / or geopolitical events could negatively impact the value of your investment.