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Peer2Peer Finance News | September 18, 2019

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Show me the money! P2P investor incentives currently on offer

Show me the money! P2P investor incentives currently on offer
Suzie Neuwirth

AS IF peer-to-peer investing weren’t attractive enough in a low-interest-rate environment, a number of platforms have added a little extra sweetener. Here is a round-up of some of the current promotions on offer. Please note that terms and conditions apply to every offer, so please check with the individual platform before investing.


If you refer a friend to this business lender and the friend pledges £5,000 within 90 days of registering, both the referrer and the referee receive £75. The incentive launched on 31 May and there is no end date.

Funding Circle

The ‘big three’ business lender’s refer-a-friend promotion closed on 31 August, but referred members who have already registered have until 30 September to invest £2,000 to qualify for the offer. Both the referrer and the referred investor will receive £50 within 40 days of the close of the promotion period.

Read more: Opinion split on best P2P marketing techniques


If investors refer a friend to the buy-to-let platform and the friend invests at least £1,000 for a classic investment or £5,000 for an Innovative Finance ISA (IFISA) investment, both the referrer and the referee will receive a £50 reward. The £50 will be credited within 90 days of the investment being made by the referred customer.

The incentive scheme launched on 6 November 2015 and it ends on 31 December 2017.


LendingCrowd is offering £150 to investors who add more than £2,500 to their account. The Edinburg-based business lender launched the incentive scheme at the start of August to run until the end of the month, but recently extended it to the end of September.

It is still eligible for all IFISA investments, either via new accounts or transfers.

Read more: Cash incentives remain popular P2P marketing tool


The property lender is currently offering four incentive schemes.

The promotions comprise a £50 cashback offer for new investors and a refer-a-friend scheme, where the referrer gets five per cent of the interest earned on their referee’s investment, with a minimum £1,000 investment for three months.

Lendy is also offering a bonus accrual feature, which pays an enhanced monthly interest rate of 50 per cent of the existing monthly interest rate, and a development tranche cashback offer, whereby investors who fund tranches of a qualifying development loan will receive an extra 1/12th of the usual annual interest earned. For example, a 12 per cent loan would earn an extra one per cent cashback for each qualifying tranche of the loan.

Read more: Lendy launches new cash incentives

Property Crowd

Property Crowd is currently offering two per cent cashback on IFISA investments. The offer applies to any investment made into any bond available through the Property Crowd website that is to be held in a Property Crowd ISA account.

The investor must have funded their account and subscribed for the bonds by 2 May 2018 and must have opened their Property Crowd ISA account by 31 December 2017 (although the account need not have been funded at that time).

Property Partner

New customers will receive £100 if they invest £5,000 or more within 30 days of signing up to the platform.