a close button on the peer to peer lending UK page

Using Data,

Lending Better

We connect investors looking for alternative investments to credit-worthy borrowers looking for short to medium-term loans

Register to InvestThe Money Platform Users count
The Money Platform won the financial inclusion award and was nominated for the ethical lender of the year in 2023
hero img 1
The Money Platform's Reviews

I have been lending for some time now and have issued over 300 Loans.Whilst this is a higher risk investment, as clearly explained on the website, I think the product is easy to get your head around and am glad to be able to earn a healthy return whilst adding competition to an overlooked area of the lending space.I am thankful for the new Lender Statistics Page which has helped my understanding of my investment.

Emily

Lender
Review starts

I have used TMP twice now and both times the funds have been received quickly when needed. Also when I wasn’t able to make a payment due to knee surgery the team were very helpful in allowing me to change my payment date to when I would have funds available to pay. The replies to my queries were also answered considerably quicker, a lot quicker than I expected to be honest. A great company to deal with all round.

Liam

Borrower
review stars

Great company that cares about its clients!! The best customer service experience I have had in years!!! They have been able to meet my requests or date changes every time. Great product, excellent service!

Delia Druantia

Borrower
Review stars

Have been a lender on the platform for 7 years and have always received first class customer service. Reported issues are dealt with quickly and efficiently.

KK

Lender
Review stars

Extremely helpful customer service, always go above and beyond. The service is the best value in times of need and I highly recommended

EM VB

Borrower
Review stars
Slider Left Arrow
Slider Right Arrow
An investor on The Money Platform

Invest

Discover how to lend with
The Money Platform

Read More
A borrower on The Money Platform reviewing their loan agreement

Borrow

Discover how to borrow with
The Money Platform

Read More
The Money Platform's learning resources.

Learn

Discover how to improve your finances with
The Money Platform

Read More

Helping you achieve
your financial goals

Millions of people in the UK are excluded from mainstream finance and don't have access to fair credit - it's our mission to sort that out.

About us
A computer screen showing The Money Platform website
Employees at The Money Platform making plans to improve the TMP score

Why are TMP
Making a difference?

Every day, people around the UK encounter unexpected expenses that they had not budgeted for, or have a large item to pay for like a holiday, and find they are unable to access traditional loans due to a poor credit score, or because they're young or maybe are a foreign national.

At TMP, we understand that credit scores are not perfect, so we’ve built our very own TMP scorecard, the TMP Score, to assess applications more fairly. In turn, we’re able to lend to borrowers who may have previously been rejected and allow them to access quick, safe, and reliable funds.

35,000+
Given Access to Fair Credit
15.4% p.a
Forecast Gross Return 23-24
View Our Outcomes Statement
2,500+
Registered Investors

The Money Platform is pioneering a future of financial fairness, by providing a simple and transparent route to fair credit for the millions of individuals currently locked out of the credit system in the UK. Simultaneously, we offer our investors an opportunity to diversify their portfolios and earn a return on their investments. Join us in our mission to harness the power of data for better lending, promoting financial inclusion and ethical practices across the UK.

Customer's of The Money Platform leaving reviews of their experiences.

35,000+ Users

Reviews & Testimonials

We’re rated 5* on Trust Pilot, read some of the highlights from over 300 reviews below.

Reviews

I have been lending for some time now and have issued over 300 Loans.Whilst this is a higher risk investment, as clearly explained on the website, I think the product is easy to get your head around and am glad to be able to earn a healthy return whilst adding competition to an overlooked area of the lending space.I am thankful for the new Lender Statistics Page which has helped my understanding of my investment.

Emily

Lender
Review stars

I have used TMP twice now and both times the funds have been received quickly when needed. Also when I wasn’t able to make a payment due to knee surgery the team were very helpful in allowing me to change my payment date to when I would have funds available to pay. The replies to my queries were also answered considerably quicker, a lot quicker than I expected to be honest. A great company to deal with all round.

Liam

Borrower
Review stars

Great company that cares about its clients!! The best customer service experience I have had in years!!! They have been able to meet my requests or date changes every time. Great product, excellent service!

Delia Druantia

Borrower
Review stars

Have been a lender on the platform for 7 years and have always received first class customer service. Reported issues are dealt with quickly and efficiently.

KK

Lender
Review stars

Extremely helpful customer service, always go above and beyond. The service is the best value in times of need and I highly recommended

EM VB

Borrower
Review stars
Slider Right Arrow
Slider Right Arrow

Frequently Asked Questions

What is peer-to-peer lending?
At The Money Platform, we connect creditworthy borrowers to individuals with funds to lend so people can borrow and lend money directly to one another. Peer-to-peer lending cuts out the middleman - the banks - and provides a transparent and efficient way for people to fund people.
What are the requirements to lend with The Money Platform?
Anyone can apply to lend with The Money Platform! All individuals or companies are required to complete our lender registration process including a suitability assessment and test. If successful, a minimum deposit is required to begin your investment journey.
Who can apply to borrow on The Money Platform and how do you make credit assessments?
Anyone is welcome to apply for a loan at The Money Platform and our credit assessment tools work to assess customers fairly, using cutting edge technology, not backwards looking credit scores. 
Our leading Credit Assessment technology enables us to accept customers often excluded from mainstream credit - typically younger people and migrants in the UK who do not have a significant credit footprint.
The Money Platform is a recognised industry leader in developing new ways of credit assessing, building on insights developed over 7 years of lending and decades of collective experience. Our goal is to remove barriers to mainstream finance for the financially excluded. We have recently been named the winner of the annual Financial Inclusion award and shortlisted for Ethical Lender of the Year in the Peer-2-Peer Finance Awards.
I’m a Borrower - how quickly does my loan take to arrive?
Once your funds have been transferred you will get an email confirming the transfer. Following this email it can take 2-8 hours for them to arrive in your bank account. Transfers are made at 9am and 3pm on working days.
I’m thinking of Borrowing - what makes The Money Platform’s loans better?
At The Money Platform we are building a new way of lending, one which connects borrowers and lenders directly, stripping out costly middlemen - the banks. Our focus is on serving our customers - cutting costs and getting you the service you need, when you need it. We’ve developed new ways of credit assessing customers, meaning we can provide those looking with a loan with better rates than might be available elsewhere, enabling us to lend to customers often excluded from mainstream finance.Our work to deliver the best outcomes for our borrowers has been recognised with The Money Platform recently named the winner of the annual Financial Inclusion award and shortlisted for Ethical Lender of the Year in the Peer-2-Peer Finance Awards.
Read All FAQs