Peer To Peer Savings

P2P or social savings schemes are becoming a popular alternative to high street savings accounts. The new schemes allow you to invest in businesses or lend money on the loans market whilst naming your own interest rates.

  • Provider & account name
  • AER / Gross
  • Projected AER / Net
  • Min/Max
    investment
  • Notice/Term
  • Apply now
FundingCircle.com Lending
FundingCircle.com
6.10%
Variable rate
6.10% £20 /
£0
Options to access your money early Apply »
  • You can earn a 6.1% average return after fees and bad debts. Remember, you are lending to businesses so your capital is at risk. Past returns are not necessarily a guide for future returns.
  • Choose the rate you want to lend at, lend from as little as £20
  • Options to access your money before the end of the loan term
  • No FSCS. All loan contracts are directly between you and the businesses you've lent to.
TrustBuddy TB-Standard
TrustBuddy
12.00%
Variable rate
12.00% £50 /
£0
2 days on average. 90% of the invested amount can be withdrawn at anytime Apply »
  • Expect minimum 12% return per annum
  • Fast and reliable system where TrustBuddy takes care of matching your investment
  • Healthy liquidity where you as an investor can withdraw 90% of your investment at anytime. Stringent credit criteria ensures low default rates
  • Easy access to your money
  • No FSCS (direct contracts would still stand)
Relendex Lenders (P2P)
Relendex
10.00%
Fixed rate
8.00% £1,000 /
£1,000,000
Fixed Term / 12 Months Apply »
  • Relendex is a peer-to-peer marketplace. It brings together many investors for a single loan secured on rented commercial property. Investors lend directly to the borrower through the Relendex exchange, so becoming the bank and, like banks they receive the lion's share of interest. These fixed interest loans are secured against income-producing commercial property.
  • Low risk secured lending
  • Secured on property
  • Simple and easy online application
  • No FSCS (direct contracts would stand)
Wellesley & Co 3 Year Term
Wellesley & Co
6.12%
Fixed rate
6.12% £10 /
£0
Fixed Term 3 Years Apply »
  • Interest Paid Monthly or On Maturity
  • We do not charge fees to our lenders
  • We pay interest even when funds are un-lent
  • Provision Fund in place
  • No FSCS (direct contracts would stand)
Lending Works 5 Year
Lending Works
6.10%
Fixed rate
5.60% £10 /
None
Instant (T&Cs apply) Apply »
  • Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds
  • 100% capital returned to every lender
  • Simple and transparent
  • Instant access to your money using Quick Withdraw
  • No FSCS (direct contracts would still stand)
RateSetter.com 5 Year Income
RateSetter.com
6.10%
Variable rate
5.50% £10 /
£0
Same days Apply »
  • Low risk - 100% capital returned to every lender
  • Transparent - Rates shown inclusive of all fees and deductions
  • Great service - 98% of our customers would recommend us
  • Protection - Provision Fund offers a 180% coverage ratio for lender funds
  • No FSCS (direct contracts would still stand)
Zopa 5 Year
Zopa
5.90%
Variable rate
4.90% £10 /
£0
Monthly repayments over 5 years. 3 day access available Apply »
  • UK's largest and safest peer-to-peer lending service
  • Zopa Rate Promise – earn average 5% return on your savings for up to 5 years. Limited Time Offer.
  • Your money is protected – with Zopa Safeguard 100% of money owed to savers has been repaid
  • Award winning customer service
  • No FSCS (direct contracts would still stand)
Wellesley & Co Fixed Term 18 Months
Wellesley & Co
5.65%
Fixed rate
5.65% £10 /
£0
Apply »
  • Interest Paid Monthly or On Maturity
  • We do not charge fees to our lenders
  • We pay interest even when funds are un-lent
  • Provision Fund in place
  • No FSCS (direct contracts would stand)
Lending Works 3 Year
Lending Works
5.00%
Fixed rate
4.10% £10 /
None
Instant (T&Cs apply) Apply »
  • Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds
  • 100% capital returned to every lender
  • Simple and transparent
  • Instant access to your money using Quick Withdraw
  • No FSCS (direct contracts would still stand)
Zopa 3 Year
Zopa
4.90%
Variable rate
3.90% £10 /
£0
Monthly repayments over 3 years. 3 day access available Apply »
  • UK's largest and safest peer-to-peer lending service
  • Zopa Rate Promise – earn average 4.1% return on your savings for up to 3 years. Limited Time Offer.
  • Your money is protected – with Zopa Safeguard 100% of money owed to savers has been repaid
  • Award winning customer service
  • No FSCS (direct contracts would still stand)
Wellesley & Co Fixed Term 1 Year
Wellesley & Co
4.75%
Fixed rate
4.75% £10 /
£0
Apply »
  • Interest Paid Monthly or On Maturity
  • We do not charge fees to our lenders
  • We pay interest even when funds are un-lent
  • Provision Fund in place
  • No FSCS (direct contracts would stand)
Wellesley & Co Fixed Term 6 Months
Wellesley & Co
3.79%
Fixed rate
3.79% £10 /
£0
Apply »
  • Interest Paid Monthly or On Maturity
  • We do not charge fees to our lenders
  • We pay interest even when funds are un-lent
  • Provision Fund in place
  • No FSCS (direct contracts would stand)
Lending Works 1 year
Lending Works
3.30%
Fixed rate
3.50% £10 /
None
Instant (T&Cs apply) Apply »
  • Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds
  • 100% capital returned to every lender
  • Simple and transparent
  • Instant access to your money using Quick Withdraw
  • No FSCS (direct contracts would still stand)

Some important information about this page

We are normally made aware of changes to rates and products, but very occasionally changes may occur without our being notified. If you spot any mistakes or inaccuracies on our site, please contact us.

Please note that the services and products featured are those made available from advertisers and may not necessarily be the best offers on the market. For more information, please see our Savings advertising disclosure.

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