P2P handshake

Published on December 3rd, 2018 | by Jenny


Best Peer to Peer Lending Sites 2018

Peer to peer lending can be a great way to earn a bit of extra cash if you have a bit of money aside to use. Many people put their savings into P2P lending sites, and with the great returns, see their savings increase a high amount year on year. This interest rate on Peer-to-peer lending sites is much higher than you may see through the bank (up to 10 times the amount or more) and can be a great way to invest your money.

There are many people looking for loans online through social lending sites, but which ones are the best ones? We’ve put together our 3 favourite peer to peer lending sites from 2018.



  1. Upstart

    Upstart is a very popular platform and is trusted by a lot of people. It was founded based on the idea that Millenials don’t get access to loans and such due to their lack of credit score. It was started by former Googlers, who have made the borrowing/lending process very much data-driven.

    By lending to younger people some may suggest their is a larger risk involved, but their success rates are still strong.

  2. Zopa

    Zopa categorises borrowers and give them a credit rating of A*, A, B, C, or Y. Lenders can then make offers based on these and come to an agreement with the borrower. This way, the risks are completely transparent and the lenders can use this to make risky lends for more interest or they can choose to play it safe.

  3. Funding Circle

    Funding Circle allows you to lend money directly to small and medium-sized businesses. As with all peer to peer lending sites, there is a massive amount of risk. But this is represented in the interest rates that the lenders can charge the borrowers. Funded circle is a trusted site and s used my many people across the UK to gain fund for their businesses.



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