Rating based on 24 reviews

Lending Works


  • Peer-to-Peer Lending up to £25,000
  • Low-interest starting from 12.9%
  • Repayment up to 6 years

In-page navigation

Lending Works homepage

Author Lending Works. Screenshot of Lending Works website. [Accessed May 14, 2020]

About Lending Works

Cofounders Nick and Matt have brought the innovation of connecting people directly via the internet to Lending Works, and it has transformed the industry.

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 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.

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.

Here at Lending Works we believe in being fair above all else

Continuous innovation ensures that we offer the best possible user experience, which is our core mission. Honesty and transparency is how we conduct all our business.

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

Lending Works Services

Lending Works offer long and short term 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.

Straightforward borrowing

You can borrow fixed rate, low cost peer to peer 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 personal loan with us?

  • Understanding lender
  • Uncomplicated personal loans that have absolutely no hidden small print or costs
  • Simple online loan 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 application with fast processing times

Personal loan purposes

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

Lending Works Product Details

  • Loan Type Peer-to-Peer Lending
  • Interest Rate from 12.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 6 years

Benefits of Lending Works

  • Apply for a loan in 2 minutes
  • Low-cost, fixed-rate loans
  • A flexible lender with flexible terms
  • Overpay or settle early at no extra cost

Applying is fast, convenient and hassle-free, and we have been rated "Excellent" on Trustpilot

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 as a borrower

The interest rate on your peer-to-peer 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 to buy a car, 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.

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 quick loan within one working day. The Lending Works is always there for you and that is why you can also pay off your 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.
man holding thumbs up

Lending Works is a trusted & reliable provider of peer-to-peer lending

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

Very affordable loan option when in a pinch and normal financing organisations aren't making the cut.

Mason H
— Whitby —

Low-interest fees and good customer service.

Melanie T
— Stamford —

Lending Works Contact Details

Physical Address

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