Platform | Primary loan types | Typical rates | Secondary market? | Minimum investment | Sign up bonuses? | We think.... |
---|---|---|---|---|---|---|
Zopa | Personal loans | 3.7-4.5% | Yes | 1,000 | No | Closed to new investors currently. That's OK, there are much better options available |
Lending Works | Personal loans with protection fund | 4-5% | Yes | 10 | No | Similar to Zopa, with slightly higher rates. Small but growing |
The Money Platform | Short-term personal loans | 100%+ | No | 250 | No | Recent startup, very small currently. High risk/reward |
Ratesetter | Personal loans with protection fund | 3.3-6% | Yes | 1 | £100 | Read review |
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