This website uses cookies of necessity to manage authentication, navigation, and other functions. EU legislation directs us to point out that by using our website, you agree that we can use cookies

You have declined cookies. This decision can be reversed.

Borrowing - getting started ...

Important Note: Understand the risks associated with Peer to peer borrowing    

How to borrow from real people in 4 easy steps

In Peer to Peer Lending, lenders are helping you at the same time you are helping them. Click through the tabs below to see our 4 easy steps to getting a loan, and then create an account to get started.

Step 1

Decide how much you want to borrow ...

... the period over which you'd like the loan to run, and the interest rate that you are prepared to pay. 
We recommend that you use the Loan Calculator to help you decide.

Step 2

Create your loan request

Create your Loan Request for the open Bidding Market. We'll do your ID verification & credit reference checks and then your loan request will be uploaded to the site. Your identity and personal details are not disclosed. 

Step 3

Lenders compete to satisfy your loan, driving down the interest rate

Lenders bid against each other so they can stay part of your loan, reducing the interest rate offered.
The result is you get the best rate the lenders are prepared to offer.

Step 4

You decide to accept or reject your loan

If you don't like the interest rate offered by your lenders, you don't have to accept the loan.
The fixed monthly repayment instalments are collected by direct debit.
You can shorten the repayment period or repay the loan in full at any time (a small charge applies to 
make it fair for both borrowers and lenders).

When you've registered and logged in come back to this page and we'll tell you what's next