Lending Rates and Fees Explained

No surprises, just honest transparent lending

No Joining or Registration Fees

We don't take a margin

0.5% on microloan sales

You set the rate you lend at

We indicate the risk, you set your rate

All loans on rebuildingsociety.com will receive a risk rating from A+ to C, with C rated loans being the riskiest. Each of these bandings has an upper interest rate limit. As a lender you can set the rate you want to lend at, depending on your risk appetite. Rates may be lower where loans are supported by security.

  • A+ 11% and under
  • B 17% and Under
  • A 14% and under
  • C 20% and under

Innovative Finance ISA Fees


Free to open

We don't charge you to open an ISA account.


Transfer in

A fee of £40 applies to transfer in an existing ISA from another provider.


Account Management

A monthly fee of 0.1% of assets (bids + microloans) will be taken from your available balance on the 1st of each month. Defaulted microloans are excluded. Fee is discounted to 0.05% for accounts with assets of £150,000 or more.


Transfer out

A fee of £40 applies to transfer out your IFISA to another provider.

Privately Arranged loans

Customers wanting to arrange a privately syndicated loan pay according to the type of loan:

  • Amortising loans: Arrangement fee of 3.25% of loan amount applies
  • Interest only: A fee of 13.33% of each interest payment applies

When using the Director's Loan Account ISA, customers are arranging a privately syndicated loan and using an ISA account.

Peace of Mind

You do not pay for legal recovery costs and default fees are levied against borrowers. To finance our legal enforcement action, the firm prioritises the recovery of its costs and fees. This may reduce the recovered funds repaid to you if the recovery is partial.

Please review our Terms and Conditions and Business Loan Conditions.

We also encourage you to read the loanbook performance updates on our blog, which disclose the aggregate lifetime net return performance.