Provider comparison
Best peer to peer ISAs in the UK, compared
An independent, side-by-side look at the leading Innovative Finance ISA providers: target rates, minimums, what loans are secured against, and whether they accept ISA transfers in.
Last reviewed May 2026 · by Gareth Hoyle
How we're funded: some links to providers may be affiliate links, which means we could earn a commission at no extra cost to you. This never affects our ratings or what we write. See our affiliate disclosure and review methodology.
Gareth Hoyle · Founder & Editor
Reviewed May 2026. Independent researcher, not a financial adviser. About Gareth
| Provider | Target rate* | Min. investment | Security | Transfers in | Visit |
|---|---|---|---|---|---|
| Kuflink Property-backed lending with self-select and auto-invest options | Up to ~7% (target) | £1,000 initial | 1st legal charge on UK property | Yes | Visit |
| Assetz Capital Diversified SME and property lending | Varies by account (target) | Varies | Secured business & property loans | Yes | Visit |
| Loanpad Beginners and those wanting a lower-risk structure | ~4–6% (target) | £0.01 (spread across loans) | Senior position on property loans via lending partners | Yes | Visit |
| Proplend Income-focused commercial property lending | Up to ~8%+ (target) | £1,000 per loan | Commercial property, often with rental income | Yes | Visit |
| CapitalRise Prime real estate exposure | Target rates on individual loans | £1,000 per loan | Prime property development loans | Yes | Visit |
| Lendwise Higher target returns with a social-impact angle | Up to ~9% (target) | Varies | Unsecured education loans (credit-assessed) | Yes | Visit |
Property-secured P2P lending with a long track record.
- Min. investment
- £1,000 initial
- Transfers in
- Yes
- Security
- 1st legal charge on UK property
Established SME and property lender.
- Min. investment
- Varies
- Transfers in
- Yes
- Security
- Secured business & property loans
Lower-risk model with very low minimum and daily access.
- Min. investment
- £0.01 (spread across loans)
- Transfers in
- Yes
- Security
- Senior position on property loans via lending partners
Commercial property lending, often rent-backed.
- Min. investment
- £1,000 per loan
- Transfers in
- Yes
- Security
- Commercial property, often with rental income
Prime real estate development finance.
- Min. investment
- £1,000 per loan
- Transfers in
- Yes
- Security
- Prime property development loans
The UK's education-finance P2P platform.
- Min. investment
- Varies
- Transfers in
- Yes
- Security
- Unsecured education loans (credit-assessed)
*Target rates are set by the provider, are not guaranteed and are not a forecast. Figures are indicative and may be out of date. Always check the provider's own Key Investor Information before investing. Capital at risk. Not FSCS protected. Table ordering is not a ranking or recommendation.
How to read this comparison
There is no single "best" peer to peer ISA. The right choice depends on how much risk you're comfortable with, how long you can lock money away, and what kind of lending you want exposure to. A higher target rate almost always means higher risk, not a free lunch.
We deliberately don't present this as a ranked "winner" list. Instead, we group providers by what they do well so you can match them to your own situation:
- Lower-risk structure: platforms like Loanpad use a senior-lending model with very low minimums, a gentler entry point, though still capital-at-risk.
- Property-secured lending: Kuflink and CapitalRise lend against UK property with legal security, which can reduce (but never remove) loss given default.
- Income from commercial property: Proplend focuses on commercial loans often backed by rental income.
- Higher target returns: Lendwise targets higher rates through education finance: higher potential reward, higher risk.
Before you choose any provider
Check the provider's own Key Investor Information, understand how it handles defaults and what happens if it stops trading (its "wind-down plan"), and never invest money you can't afford to lose. Remember you can only open one new IFISA per tax year, though you can transfer older ISA money in. See our methodology for the full list of factors we weigh.
About the author
I have worked in search and online publishing since 2006 and am Managing Director of a UK digital marketing agency. Over nearly two decades I have built a reputation for rigorous, data-led analysis of online markets.
Beyond my agency work, I am an active early-stage investor through the UK's SEIS and EIS schemes, and provide digital due diligence services to venture capital and private equity firms, work that centres on independently verifying claims and assessing risk. That same evidence-first discipline shapes how every provider on this site is researched and reviewed.
I built peertopeerisa.co.uk because the existing coverage of Innovative Finance ISAs was either thin comparison tables or platform-owned marketing. My aim is a genuinely independent, plain-English reference that always leads with the risks.
I am not a financial adviser and nothing on this site is personal financial advice. When I hold a view, I show my working and the sources behind it.
- Working in search & online publishing since 2006
- Managing Director, UK digital marketing agency
- Active SEIS/EIS early-stage investor
- Provides digital due diligence to VC & PE firms
- Conference speaker on AI and digital strategy
Keep reading
What is a P2P ISA?
Plain-English explainer: what an Innovative Finance ISA is, how it works, the risks and the rules.
Kuflink review
Kuflink's property-secured IFISA reviewed: rates, minimums, security and risks.
Assetz Capital review
Assetz Capital's SME and property lending IFISA reviewed.
Loanpad review
Loanpad's lower-risk senior-lending IFISA reviewed.
How we review
Our independent methodology and how affiliate income is kept separate from editorial judgement.
Risk warning
The risks of P2P lending and IFISAs: capital at risk, no FSCS protection, limited access.