I have been with loanpad for several years now and have been very impressed with the quality of there loan book, you have a fair rate of return with very low chance of loan losses 😁

Probably the best company to start investing in peer to peer.
Very simple to invest and withdraw.
Towards the lower end of risk with a reasonable return.

After 10 years of p2p investing (with very mixed outcomes) Loanpad stands out to me as Best In Class. A steady reliable company with a relatively cautious approach to risk and reward. I thoroughly recommend Loanpad as a safe haven for investments (including IFISAs) for both short and long term savings goals.

I began P2P lending following the financial crisis in 2008 and in the intervening period I’ve had accounts with most of the primary UK lenders. In comparison I rate Loanpad very highly why, un-pretentious low-risk with respectable returns. What’s not to like?

So far had no defaults at all , unlike other similar investments. Easy to move money between pots and to withdraw

Easy to use website. I feel confident about their risk management. I am aware of the risks.

I've invested with Loanpad for over 4 years now and it's all worked as advertised so far. No losses incurred, I've received the advertised rate of interest and have been able to make withdrawals without issue. The platform is easy to use and once you've deposited money and set instructions for what you want to happen to interest earnt there is nothing more that needs doing. The live data page makes it easy to check on the performance of the portfolio of loans you are invested in. While the maximum loan to value allowed for loans did edge up from 50% to 56% in January 2025 the average LTV across all the loans is still around 45% based on the latest live data, and still no losses to date. I'm happy with the risk to reward ratio of this investment as part of my total savings and investments.

No losses, steady interest

Doesn't change. Still the least risky P2P out there, due to their risk-mitigation focused business model. A really clever design. Great shame others don't copy.

I have been investing with Loanpad over many years and have been very satisfied with my investment performance.

Does what it says on the tin. I can't fault them

I have been investing with loanpad well over 5 years and I have never had any problems.
Once you apply funds, Investment is totally automatic. Your money is divided across every loan ensuring you are highly unlikely to loose much in the event a customer defaults.
Also Loanpad take a sizeable chunk of the loan and would be paid after you. in the event of default. Loans are always backed by property And I think the max they lend is about 55% of the value.
If you do your due diligence you will find that they are highly rated and so far I think only one loan has defaulted.
All in all I feel as confident as I can be that this company will withstand stormy markets.
so far they have remained liquid enough to repay loans when requested. Even during Covid. ( 90 day notice)
There is of course a price to pay for such a protective platform. Max return with 90 day notice is 6%.

As this is an investment product NOT savings you do not have FCSC protection so if someting went badly wrong you are very much on your own.
As I stated I’ve been a Loanpad customer for nearly 6 years and I have never had a cause for complaint nor worry about their performance or loans. ( that is of course not a guarantee for the future).
I have substantial funds invested with them in an ISA and non ISA account and upto date I have not found anything negative about them.

First class savings provider. Interest paid daily so compounding is even better. Had to withdraw some funds after a family emergency and the funds were in my bank account the very next morning. Can not fault Loanpad at all. Trust them 100%. Been an investor for over 4 years.

I have used Loanpad for several years and it has been consistently safe and reliable. The interest rates are always good and the site is easy to use. Thank you, loanpad.

I watched Loanpad from the sidelines for a couple of years before investing and have had money invested for over a year. It is important to fully understand the products but when you do, the process of investing is straight forward. I have been impressed with the consistency of the returns and the professionalism of the communications, from Loanpad.
The trade-off between risk and reward must be judged by the individual, according their own circumstances. Personally, in late 2025, the higher returns from Loanpad, compared to FSCS savings, warrant a modest ISA investment.
The professionalism of the business and its track record give me a high level of confidence that my investment will continue to accrue the advertised returns, but this is not guaranteed.
All the expected security, KYC and AML measures appear to be in place, although 2-factor authentication is optional rather than mandatory.

I have been investing in P2P lenders for many, many years. After some frustrating times with other providers, I just trust two Loanpad and Proplend. Loanpad's site is easy to use and extremely flexible. Interest is paid daily, they have never had a bad debt and are not likely to. Check 4th way, they quite rightly consistently top their ratings. If you are considering trying P2P lending for the first time, this should perhaps be your first port of call. I don't think you will be disappointed.

Interest daily on your investment on a site that is easy to view and manage and download tax certificates etc. when required.

They manage risk well such that your money is as safe as it can be without FCA protection

Good rates and very easy investment process. I think Loanpad is a great way to invest.

Excellent service, very trustable p2p Company!