Personal Loans With A Difference

Apply for an unsecured personal loan from 3%.

Our aim is to streamline your debts with low-interest peer-to-peer borrowing, so you’ll have more money to do more of what you love. 

The smarter way to borrow money from people online

  • Secure and Simple

    Our aim is to make borrowing money online more ethical so that everyone has the opportunity to thrive.

    Securing your financial future should be a fair and simple process. We use technology to make the lending process faster and more efficient, starting with an easy application process.

    We’ve built our peer-to-peer borrowing platform with your money in mind. Security and safety are Leap’s primary focus and we are authorised and regulated by the Financial Conduct Authority.

  • More Money For You

    We can offer competitively low-interest rates on our personal loans which will allow you to refinance, consolidate your debts or put it towards doing more of what you love.

    Each quarter, if your debt is not more than 5% above your overall debt amount at the point of application (excluding mortgages), a reduction of your monthly payment will take place, putting extra money in your pocket.

  • Be Transparent

    We’re transparent about the process so you know exactly what you’re paying for and can take control of your finances.

    We charge a one-off administrative fee when setting up your peer-to-peer loan. We will collect a monthly borrowing fee with your repayments, to cover our services. We also charge a late payment fee for missed payments.

    Because we want you to work towards financial freedom, you can pay more each month or pay off your personal loan early, with no penalties.


The rate you are offered will vary based on your credit history, the terms requested, and loan affordability. We will confirm your rate when you receive your personalised quote. Protect your credit score with a soft search. 

As an investor, your money is not protected by the Financial Services Compensation Scheme (FSCS). Your capital is at risk.
Find out more on our Investing Risks page.

As a borrower, not making repayments on time will negatively impact your credit score.
Find out more on our Borrowing Risks page.

Find out more on our Investing Risks and Borrowing Risks pages.



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