Quite good process but decision time impacted by longer SLA’s. Good rates and easy portal.

They move the goal posts regularly with what is allowed / what is happening to your debt. The returns are well below what you woud... They move the goal posts regularly with what is allowed / what is happening to your debt. The returns are well below what you woud expect in a reasonable risk investment product and they charge fees even on defaulted amounts. Read more Read less

Personal guarantees only. Totally worthless in the hands of FC. They are not transparent, they treat investors like dirt. They just give your money away.... Personal guarantees only. Totally worthless in the hands of FC. They are not transparent, they treat investors like dirt. They just give your money away. Don't go near them. Just flush your money down the loo. DD is terrible. "Experts' cant even assess a balance sheet. Read more Read less

I started lending with funding circle in about 2016, the product was great and the returns as an invest was pretty lucrative. Then they started... I started lending with funding circle in about 2016, the product was great and the returns as an invest was pretty lucrative. Then they started accepting loads more loan applications and then all the defaults started to happen. Lots of money was being written off as the debt couldn't be paid. I have been trying to get money out for over 18 months now and i have only been able to recoup 1/3 of my total balance so far, my money sitting in there is losing value. I did recommend funding circle to friends and family and they all now have money locked into FC and no idea if or when they might ever get their money back. Such a shame as it's a great concept and idea but excited poorly. Read more Read less

I started lending with funding circle in about 2016, at first it went well as in I was making a little money through interest but... I started lending with funding circle in about 2016, at first it went well as in I was making a little money through interest but as soon as they changed their model in 2018 it went downhill very rapidly, they were lending to anybody who asked them and their due diligence test were a joke, pretty soon they had more defaults than they were letting on, hence they money coming in quickly turned negative and so I tried to sell up but with anything it will take time to get out, hopefully with a couple of pennies in front Read more Read less

Been trying to withdraw funds since last July with very little progress made after 6 months. Withdrawing funds because of disappointing performance.

They were OK, but really shouldn't have loaned the money.

Ive had a bit of money stashed away for a while and it seems to be making far more in interest than any high street... Ive had a bit of money stashed away for a while and it seems to be making far more in interest than any high street bank. I’ve recommended it to my wife too and she’s put a bit of money aside. Read more Read less

a solid peer to peer which is unlikely to go bust, and where your money is likely to appreciate. (unlike our banks)