How we review IFISA providers

The principle: risk first, always

Peer-to-peer lending is a high-risk investment that is often presented as if it were a savings account. Our first job on every page is to make the risks unmissable: capital at risk, no FSCS protection, and limited access to your money. We will never bury that to make a product look more attractive.

What we assess

For each provider we look at the same factors:

• Security: what loans are secured against, and the realistic loss given default.
• Target rates: stated clearly as targets, never as guarantees.
• Minimums and fees: the real cost of investing.
• Access & liquidity: how and when you can get your money back.
• Default handling & recoveries: what happens when a loan goes wrong.
• Wind-down plan: what happens to your money if the platform fails.
• Track record & regulation: history, FCA authorisation and transparency.
• IFISA specifics: transfers in, flexibility and account types.

How we handle money

Some outbound links are affiliate links and we may earn a commission if you open an account. This never affects our assessment, our ordering, or what we write. Where we do not have an affiliate relationship with a provider, we still link to them with a plain link so the comparison stays complete. We label affiliate links and explain the arrangement in our affiliate disclosure.

We do not present our comparison as a ranked "winner" list, because the right provider depends entirely on your own circumstances and risk appetite.

Keeping it current

Rates and terms change. We re-check and re-date our comparison and reviews regularly, and we always tell you when a page was last reviewed. If you spot something out of date or wrong, please tell us.

Compliance

This site provides general information and comparison only, not regulated financial advice. Provider-specific content is written to inform rather than to induce, and is reviewed for compliance with UK financial promotion requirements before publication.