Rating based on 34 reviews

Lending Works


  • Debt Consolidation up to £25,000
  • Low-interest starting from 12.9%
  • Repayment up to 5 years

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Lending Works homepage

Author Lending Works. Screenshot of Lending Works website. [Accessed May 15, 2020]

About Lending Works

Here at Lending Works we believe in being fair above all else. When cofounders Nick and Matt brought the innovation of connecting people directly via the internet to Lending Works, it transformed the industry and we still do so today.

Why did they establish Lending Works?

Our establishment was created out of the recognition that all consumers want a fair lending service that offers convenience and efficiency. But, consumers want these services in a form that is more personal, such as peer to peer lending.

Expert team and innovation drives our business

We launched in January 2014 from a little office in Farringdon, London and our expert team pushed Lending Works forward to what it is today. Continuous innovation ensures that we offer the best possible user experience, which is our core mission.

Dedication to a fair service

Our focus has never shifted as we remain dedicated to 'pioneering fair financial services that people love'. We do so with a dynamic team and our valued customers.

Our achievements

  • Moneynet Award Best Consumer Peer to Peer Platform
  • Moneywise Award Best P2P Platform for Savers
  • Moneywise Award Trust Provider Personal Loans
  • Moneyfacts Peer to Peer Provider of the Year

Why consolidate your debts?

Consolidating your debt  does not only give you a larger disposable income but can save you a lot of money compared to the interest charged on credit card debt or multiple outstanding loans. Why not consolidate debt into one affordable and hassle-free Lending Works loan?

Lending Works Services

With the low-cost debt consolidation loans from Lending Works, we help you gain control over your debts, and finances.

The rate assigned to your loan is dependent on the loan amount, the repayment term and your personal circumstances. Your personalised rate will be confirmed when you receive your personalised quote.

No hidden or extra fees

Perhaps you would like to repay your loan earlier than the agreed term, well with Lending Works, you can. It is just another way you can save money. Additionally, the quick and simple application process makes it possible for the funds to be in your bank account within two working days.

Various loan types available

Lending Works offer personal loans to individuals, which can be used for a number of purposes. Additionally, it offers investment opportunities to investors.

Simple lending for lenders

Lenders have access to simple and friendly lending that is insurance-backed, and which could earn you up to 5.0% p.a.

Personal loan purposes

  • A car or vehicle
  • Home improvements
  • Debt consolidation
  • A short-term loan for a special event such as a wedding or holiday
  • Any other reasonable purpose

Lending Works Product Details

  • Loan Type Debt Consolidation
  • Interest Rate from 12.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 5 years

Benefits of Lending Works

  • Peer-to-peer lending
  • Competitive debt consolidation loans
  • Applying won't impact your credit score

Lending Works offers loan with a difference!

In order to apply, simply visit our website to get a personalised quote in just two minutes and the quote request will not impact your credit score.  Applying is fast, convenient and hassle-free, and we have been rated "Excellent" on Trustpilot.

Applying as a borrower

The interest rate on your personal loan depends on your personal circumstances, the loan amount and the repayment term and we will confirm your rate when you receive your personalised quote.

Loans with a difference

If you are looking for a vehicle loan, to improve your home, pay for a wedding or simply take control of your finances, we have a flexible, low-cost personal loan that could make all of that a reality.

Straightforward borrowing

You can borrow fixed rate, low cost loans at 7.9% APR  Representative.

Fair, transparent, honest lender

We are proud of the way we treat our customers and we aim to set a new standard in financial services with a focus on fair, transparent and honest approach.

Why take out a debt consolidation loan with us?

  • Understanding lender
  • Uncomplicated personal loans that have absolutely no hidden small print or costs
  • Simple application and processing
  • Low-cost, fixed rate personal loans
  • Quick personal loans
  • 48 hours from application to payout
  • Recommended financial provider
  • Multi-award winning, five-star customer service
  • Flexible lender with flexible terms
  • Overpay or settle early, any time, at no extra cost
  • Simple online loan application with fast processing times

Benefits of peer to peer lending

We are not underwritten or managed by any bank. Thus, we are able to offer competitive rates as you borrow money from real people, investor who have a similar approach to the lending industry like you. Applying takes just a couple of minutes and you could receive your personal loan within one working day. The Lending Works is always there for you and that is why you can also pay off your personal or debt consolidation loan early anytime, and at no extra cost.

The application process

  1. Get a personalised quote in two minutes
    Visit our website to get a personalised quote in as little as two minutes.
  2. Finish your application in 30 seconds
    We need a further 30 seconds to finish your loan application. We are all about saving you time and so our processes are fast and convenient.
  3. Verify your application
    Next, we will verify your application and all the information you have provided.
  4. After 24 hours you will receive your funds
    It will take 24 hours for you to receive your personal loan funds.
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Lending Works is a trusted & reliable provider of debt consolidation

In our review, Lending Works adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Lending Works is a registered credit provider in the UK; FCA number 723151

Customer Reviews & Testimonials

A loan from Lending Works is great if you are looking for a loan option that has affordable rates and easy repayment terms with no hidden costs or redundant fees.

Tony S
— London —

Fixed rate loan with Lending Works is the way to go. Great quality product.

Tobias H
— Watford —

Lending Works Contact Details

Physical Address

Postal Address

  • 60 Gray's Inn Road, London, WC1X 8AQ, UK

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed