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.

Enjoy tax-free interest with a Loanpad ISA

The innovative finance ISA, or individual savings account, lets you invest as much as £20,000 each tax year with Loanpad without paying tax on your interest. As long as you’re 18 or older and a UK resident, you can open a new ISA or transfer an existing one and enjoy all the benefits of a Loanpad peer-to-peer lending account, completely tax-free.

tickDaily interest
tickDaily access*
tick£10 minimum
tickFCA authorised

Our ISA accounts

Choose the ISA account that suits you best. 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 ISA cash account tax-free. 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.

**Tax treatment depends on your personal circumstances and may be subject to change in the future.

Your money diversified daily


Interest paid daily to ISA cash account


Designed for lower risk property loans


Why open a Loanpad ISA?

Daily interest, tax-free

Enjoy -% returns with a Loanpad ISA Classic account and -% returns with ISA Premium.

Graph showing boost to interest


It’s quick and easy to open a Loanpad ISA and you can move money between your ISA accounts just as you can in your standard accounts.

PC screen being activated by user


You can reinvest or take out your interest – and move money in and out of your ISA account as often as you like (in the same tax year). Read more about a flexible ISA.

Diagram showing flexible transfers of funds with Loanpad at the centre


Our ISA accounts enjoy the same innovative risk protection as all our accounts: shared lending through established property lenders (lending partners), daily diversification and more.

Holding your investment within a Loanpad ISA does not reduce the risks associated with that investment or guarantee returns. Please see our Risk Summary and the Invest or ISA pages for more information on these risks and the mechanisms we have in place to deal with them.

Scales showing responsible property lending


You can transfer ISAs you have with other ISA providers to Loanpad and benefit from our competitive rates. And if you transfer previous years’ ISAs, it won’t affect your current year’s allowance.

PC screen showing transfer of an ISA

3 simple steps to opening a new ISA with Loanpad


Register to Loanpad

Business buildings in city

Fill in our simple online application to become a Loanpad investor.


Fill in an ISA application

Loanpad icon for ISA applications

Give us key details in just a few minutes - all being well, your ISA will be opened and instantly ready to use.


Fund your ISA

Classic and premium loanpad accounts with mouse pointer to select option

Put your money in a Classic or Premium ISA account – or both. They work the same way as our standard accounts.

Still have questions?

See our ISA FAQs

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.