Flexible peer to peer lending & borrowing
Your money, your way

Loans & lending, actuals & activity statistics

NB THIS PRESENTATION WILL NOT BE USED UNTIL ADEQUATE HISTORY HAS BEEN BUILT We aim to be as transparent as possible, abiding by the recommendations of the Peer to Peer Finance Association (P2PFA) and the Financial Conduct Authority (FCA).  To that end, the following sections provide information on loan products currently available on the site, together with what’s actually happening, returns and default rates.

What is Available

In this section you will find information on products that are currently available on the site and how much/for how long you can lend or borrow, with indicative rates. New products will be added from time to time as we expand our offering.
Person to person unsecured loans & lending

Borrow: Fixed Term & Rate

Term months From 2.00 To 22.00
in 3 month steps e.g. 12, 15, 18
Loan amount £ From 22.00 To 1
in £10 steps e.g. £1000, £1010, £1020
Rate nominal % From 4.2% To 8.1%
based on market rates
Rate APR % From 4.8% To 8.7%
includes loan costs (not membership)
Lend: Fixed Term & Rate

Term months From 12,15,18,21,24,27,30,33,36,39,42,45,48,51,54,57,60 To
in 3 month steps e.g. 12, 15, 18
Lend amount £ From £10 To no limit*
in £10 steps e.g. £10, £20, £30
Rate nominal % From 4.3% To 6.1%
based on market rates
Ann. Rate % From 3.0% To 5.2%
annualised rate incl fees & CS (not mem subs)

We will expand our maximum loan amounts very soon ....

Activity Statistics

Below is a summary of what is actually happening within our site including Borrower and Lender activity.

Activity Within LendLoanInvest
Activity Numbers & Values
Loans
Description Total Number Total Value £
Confirmed Loans 80 99930
Matches 2878 339660
Bids 193 63325
Members
Description Total Number Total Value
Members 40 0
New Bidding Loan Requests 23 26330


If there is a particular statistic that you wish to see then please let us know and we'll endeavour to provide it.

Borrower Loan Rates

The actual rates and amounts at which loans are being written, are as follows:

Borrower report

  Average nominal rate %
  Average APR %
  Average amount of loan
Loan term (months)
Credit stars1215182124273033363942454851545760
15nannannannannannannannannannannannannannannannannan
14nannannannannannannannannannannannannannannannannan
132.57nannannan3.12nannannan3.79nannannan4.26nannannan4.50
1210.67nannannannannannannannannannannan6.14nannannannan
1115.49nannannannannannannannannannannan9.96nannannannan
108.00nannannannannannannannannannannannannannannannan
93.84nannannan3.58nannannan4.35nannannan4.89nannannan5.17
8nan10.00nannannannannannannannannannannannannannannan
73.33nannannan4.04nannannan4.91nannannan5.51nannannan5.83
6nannannannannannannannannannannannannannannannannan
54.97nannannan6.11nannannan7.59nannannan8.34nannannan8.82
411.35nannannannannannannannannannannannannannannannan
3nannannannannannannannannannannannannannannannannan
26.90nannannan8.26nannannan10.03nannannan11.27nannannan11.92
1nannannannannannannannannannannannannannannannannan
0nannannannan19.007.87nannannannannannan10.00nannannannan

Lender Returns

The actual rates and amounts at which lending is happening, are as follows: 

Lender report

  Average nominal rate %
  Average AER %
  Average amount of loan slice
Loan term (months)
Borrower
credit stars
1215182124273033363942454851545760
15nannannannannannannannannannannannannannannannannan
14nannannannannannannannannannannannannannannannannan
13nannannannannannannannannannannannannannannannan6.47
126.99nannannannan5.13nan5.535.69nannannan6.34nannannannan
118.03nannannan6.505.525.42nan6.06nannan5.728.10nannannannan
107.27nannannannannannannan5.346.41nannannannannannannan
97.35nannannan6.686.24nan6.12nannannannannannannannan6.01
84.0810.00nan6.506.94nan6.776.717.05nannan7.267.18nannannan5.75
74.30nannannan6.97nan6.59nan7.05nannannan5.82nannannannan
6nannannannan4.89nannan5.25nannannannan5.97nannannannan
57.97nan6.64nan15.00nan6.41nan9.06nannannan8.72nannannannan
48.07nannannannannannan8.448.08nannan8.448.68nannannannan
39.55nannan7.07nan8.46nan8.23nannannannannannannannan5.23
2nannannannan4.93nannannannannannannan5.89nannannannan
1nannannannannannannannannannannannannannannannannan
06.00nannannan10.117.64nannannannannannan10.00nannannannan

Default Rates

The Peer to Peer Finance Association have proposed a format for reporting arrears and defaults rates as follows:-

Year      2014    2015
Actual arrears as a percentage of outstanding balances 0.0%    0.9%

The total of loan repayments more than 45 days late (but not defaulted) as a % of the
outstanding amounts from loans made in the calendar year

     
Expected lifetime defaults 1.5%   1.5%
Expected lifetime defaults amount as a percentage of total amount lent in the calendar year      
Actual default rate 0.0%   0.0%
Total defaulted loan amounts as a % of the total amount lent in the calendar year      


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