Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more;





Put your money to work

Put your money to work

Earn competitive returns lending to a diverse pool of borrowers on our market leading platform.
Invest in a non-mainstream investment that offers diversification from traditional asset classes.

Start lending

Ways to lend

Managed lending

Delegate your lending to Creditmonga, and we will lend your money for you. We offer various Managed lending styles to suit different lender profiles. Choose the lending styles that are right for you.

Your money is pooled with other lenders and lent out to a wide range of loans; spreading your investment across various loans means you immediately benefit from diversification.

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Choose a Managed Lending style that suits your requirements.

Lending styles

Balanced lending

Lend to the full range of borrowers. Higher projected returns. Higher projected defaults Risk ratings included: A, B, C, D, E
More info

Cautious lending

Only lend to borrowers assessed as lower risk. Lower projected returns. Lower projected defaults Risk ratings included: A, B, C
More info

Find out more about Managed lending Find out more

Set up your investment account and start lending Start lending

Auto-lend

Automate your lending with our Auto-lend feature. Simply set your investment criteria and Auto-lend does the rest. You will invest automatically in any new loans and buy loans on the resale market that match your criteria. You can track the progress, update, or close your Auto-lend at any time.

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The Auto-lend feature is here to make your lending quicker and easier.

Find out more about Autolend. Find out more

Set up your investment account and start lending Start lending

Self-select

A hands on approach to lending. Self-select lending lets you hand-pick the loans you want to invest in. You get to decide which loans to fund, how much to lend, and the interest rate to charge. Loans are listed online, and divided into New loans from borrowers and Existing loans being sold by other investors (Resale loans)

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Select loans to add to your portfolio
Choose from a variety of loans on the market
Lend directly to borrowers on the primary market on New loans market
Buy and Sell loans on the loan Resale market
Choose from a variety of loan types
Set up your portfolio as an ISA, SIPP or Regular Investment account

See Loan listings on the market Loan market

Find out more about Self-select lending and the Loan Market Find out more


Choose a Managed Lending style that suits your requirements;

Lending styles

Balanced lending

Lend to the full range of borrowers. Higher projected returns. Higher projected defaults Risk ratings included: A, B, C, D, E
More info

Cautious lending

Only lend to borrowers assessed as lower risk. Lower projected returns. Lower projected defaults Risk ratings included: A, B, C
More info

Find out more about Managed lending Find out more

Set up your investment account and start lending Start lending

The Auto-lend feature is here to make your lending quicker and easier.

Find out more about Autolend. Find out more

Set up your investment account and start lending Start lending

Select loans to add to your portfolio
Choose from a variety of loans on the market
Lend directly to borrowers on the primary market on New loans market
Buy and Sell loans on the loan Resale market
Choose from a variety of loan types
Set up your portfolio as an ISA, SIPP or Regular Investment account

See Loan listings on the market Loan market

Find out more about Self-select lending and the Loan Market. Find out more

Become the smart investor and put your money to work. To start investing, you need to set up your investment account. There are 3 types of accounts General investment account, ISA and SIPP

General account

A versatile account allowing you invest, trade and manage your loan investments easily without any restrictions and there are no contribution limits. This account offers flexibility in investment choices - you can use Managed Investing, Auto-lend or Self select making it suitable for both novice and seasoned investors.

ISA

An ISA is an Individual Savings Account which offers a tax-efficient way to either invest. ISAs are one of the most popular and accessible tools to benefit from tax breaks offered by the government. An ISA is not an investment in its own right but a home for you to house your investments within. An ISA is a 'wrapper' in which you can shelter your investments from tax. Wrap up your investments in an ISA and benefit from the tax-free returns.

SIPP

A SIPP is a Self Invested Personal Pension, a type of pension for people happy to make their own investment decisions. A SIPP is one of the most tax-efficient ways of saving for retirement. Like all pensions, a SIPP offers up to 45% tax relief on contributions and there is no UK capital gains tax or UK income tax to pay. The tax benefits will depend on your individual circumstances and tax rules are subject to change by the government.

Getting started
Eligibility
Creditmonga is open to individual investors,
aged 18 or over
resident in the United Kingdom and in other certain jurisdictions.
If you are based outside of an accepted jurisdiction, you are welcome to join, additional checks may apply before you are able to invest on the platform.
UK bank account
We are required by law to ensure you meet one of the following the following the criteria before you can invest on the platform
Everyday Investor
You earn up to £100,000 per year, hold net assets up to £250,000, have not lent through peer-to-peer lending platforms before and do not have professional experience of it
Sophisticated Investor
You have experience of peer-to-peer lending platforms or have recent financial experience in a professional capacity.
High Net Worth Investor
Your earn more than £100,000 per year, or hold net assets of £250,000 or more.
Limited Company
You earn up to £100,000 per year, hold net assets up to £250,000, have not lent through peer-to-peer lending platforms before and do not have professional experience of it
1 Register

This is a simple process that will take less than 5 minutes.

2 Deposit funds

Deposit money into your Creditmonga online account using either a bank transfer, direct debit or card payment.

3 Build portfolio

Start building your investment portfolio, either by using Managed Investing, Direct lending or Auto Invest.

4 Get payments

Receive payments from borrowers. You can reinvest these funds, hold as cash or withdraw funds.

Capital at risk

Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong.

Take 2 mins to learn more;

Tax considerations

P2P investment like for all other investments, you need to allow for the impact of tax. Tax will depend on your circumstances. Interest earned up to £1000 a year is not subject to tax. Any interest above £1000 allow is taxed at your marginal tax rate. This is done through the self-assessment via the self-assessment. This includes interest from the bank and building society accounts but not through ISA. Interest earned through your ISA will not be taxed. There is an annual limit of the £15,000.

Fees and charges

As an investor, you should considers the fees and charges of each investments as these will impact on your returns. Creditmonga will outline the fees and charges on each loan or fund. These fees include:

Borrower fees
These are fees charged to the borrower for regular administration and inital set up of the loan. Details of the fees are outlined in the details for each loan.

Managed Fund fees
These are the management fess charged for the ready made portfoliosfund and are outlined in each of the fund's details.

Transaction fees
The fee charged on selling a loan. This is curently 0.15% of the amount sold.