Questions, answered.
Is this a payday loan?+
No. Lend To Me is a peer-to-peer lending marketplace where real lenders fund real borrower stories. Our fairness check flags terms that look too expensive compared with credit-card and high-cost alternatives.
Does listing affect my credit score?+
No. Creating a request does not involve a hard credit search. We only use soft-search style checks where required, and these do not affect your credit file.
What happens if my listing is only partially funded?+
If you accept partial funding and allow instant release, funds release as offers are accepted. If you require the full target, funds reserve but only release when fully funded.
What if multiple lenders fund me?+
Each accepted lender offer creates a separate direct agreement between you and that lender, with its own repayment schedule. Your dashboard shows the combined picture.
Is my address shown publicly?+
No. Your address is never displayed. It is only released to an affected lender under a formal default-stage disclosure process for lawful recovery.
What returns can lenders expect?+
Returns vary by risk band, term and individual offer. Capital is at risk. Returns are not guaranteed.
What are borrower perks / incentives?+
Some borrowers optionally offer a thank-you perk (a discount, a voucher, a customer perk). Perks are optional, are not a financial return and don't affect risk scoring or replace repayment.
Do you accept crypto?+
Not yet. Crypto deposits and stablecoin support are coming later. They are disabled in this prototype.
Is Lend To Me FCA authorised?+
This prototype does not claim FCA authorisation. The platform is being built towards working with regulated partners. Draft wording — subject to legal review.
Posting a borrower request is free. Reserving an investor space is too.