Regulatory Compliance
17/20
FCA regulated, FSCS protection for savings, but no longer open to new retail lenders[5][7][13].
Customer Satisfaction
16/25
Mixed reviews: praised for simplicity, but some negative Trustpilot feedback and pandemic-era issues[6][7][12].
Product Value
16/20
Competitive rates, no application fees, overpayments allowed, IFISA options[7][8].
Customer Support
12/15
UK-based support, but some complaints about communication during downturns[7][12].
Accessibility
7/10
App, web, online chat, but no branches and platform now closed to new retail lenders[3][7].
Transparency
8/10
Clear rates, no hidden fees, but some confusion over pandemic-era changes[5][6][7].
Security
8/10
Strong digital security, Lending Works Shield protection[5][8].
Reputation & Innovation
8/10
P2P lending pioneer, but confidence shaken by pandemic-era changes[5][6][8].
