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.
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
Enjoy -% returns with a Loanpad ISA Classic account and -% returns with ISA Premium.
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.
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.
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.
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.
Register to Loanpad
Fill in our simple online application to become a Loanpad investor.
Fill in an ISA application
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
Put your money in a Classic or Premium ISA account – or both. They work the same way as our standard accounts.
As with any investment, your capital is at risk and your investment may go up or down in value.
You won't be covered by the Financial Services Compensation Scheme (FSCS) for potential future losses.
As with all investments, past performance is not an indicator of future results.
Changes in economic climate and / or geopolitical events could negatively impact the value of your investment.