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. Learn more in 2 mins.

Enjoy tax-free interest with a Loanpad ISA

The innovative finance ISA, or individual savings account, lets you invest as much as £20,000 each tax year with Loanpad without paying tax on your interest. As long as you’re 18 or older and a UK resident, you can open a new ISA or transfer an existing one and enjoy all the benefits of a Loanpad peer-to-peer lending account, completely tax-free.

Daily interest

Daily access*

No minimum

FCA authorised

OPEN A LOANPAD ISA ACCOUNT

Our ISA accounts

Choose the ISA account that suits you best. You can move money between Loanpad accounts and check your interest 24/7.

DAILY
ACCESS*

TAX
FREE**

ISA Classic Account

Best for easy access*

Free access any time*

60 DAY
ACCESS*

TAX
FREE**

ISA Premium Account

Best for highest rate

Free access with 60 days notice*

*Access times are based on normal market conditions and cannot be guaranteed.

These are annual target interest rates paid daily into your ISA cash account tax-free. If you choose to reinvest your interest daily, you'll enjoy even higher returns through the benefits of compound interest. Rates are variable and could change.

We do all we can to release your money as soon as you ask for it. But this does depend on funds being available, and from time to time there may be a delay.

**Tax treatment depends on your personal circumstances and may be subject to change in the future.

Your money
diversified daily

Interest paid daily to
ISA cash account

Designed for lower
risk property loans

GET STARTED

Why open a Loanpad ISA?

Daily interest, tax-free

Enjoy 0% returns with a Loanpad ISA Classic account and 0% returns with ISA Premium.

Simple

It’s quick and easy to open a Loanpad ISA and you can move money between your ISA accounts just as you can in your standard accounts.

Flexible

You can reinvest or take out your interest – and move money in and out of your ISA account as often as you like (in the same tax year). Read more about a flexible ISA.

Protected

Our ISA accounts enjoy the same innovative risk protection as all our accounts: shared lending through established property lenders (lending partners), daily diversification and more.

Holding your investment within a Loanpad ISA does not reduce the risks associated with that investment or guarantee returns. Please see our Risk Summary and the Invest or ISA pages for more information on these risks and the mechanisms we have in place to deal with them.

Transfers

You can transfer ISAs you have with other ISA providers to Loanpad and benefit from our competitive rates. And if you transfer previous years’ ISAs, it won’t affect your current year’s allowance.

OPEN AN ISA

3 simple steps to opening a new ISA with Loanpad

Fill in our simple online application to become a Loanpad investor.

Fill in an ISA application

Give us key details in just a few minutes - all being well, your ISA will be opened and instantly ready to use.

Fund your ISA

Put your money in a Classic or Premium ISA account – or both. They work the same way as our standard accounts.

OPEN AN ISA

Still have questions?

See our ISA FAQs

You should know...

Capital is at risk

As with any investment, your capital is at risk and your investment may go up or down in value.

No FSCS protection

You won't be covered by the Financial Services Compensation Scheme (FSCS) for potential future losses.

Past performance

As with all investments, past performance is not an indicator of future results.

Economic factors

Changes in economic climate and / or geopolitical events could negatively impact the value of your investment.