Offer for Investors:
Investors can choose individual secured loans from the platform’s marketplace, split into NZD $50 notes for easy diversification across a large number of borrowers. Loans span four risk grades (A1, A2, B1, B2) with 3- or 5-year terms, and cover both personal and business lending — an uncommon combination for retail investors. All loans are secured by the borrower’s vehicle, property, or both, offering additional protection in the event of default. Email notifications alert investors to new loan listings in real time.
Offer for Fundraisers (Borrowers):
- Secured personal loans, vehicle loans, and small business loans from NZD $2,000 to $200,000.
- Business loans available for companies with at least 18 months of trading history and annual turnover above NZD $80,000.
- Loan terms of 3 or 5 years; all loans are interest-only from the borrower perspective.
- Borrowers face a one-off platform fee based on the loan amount; no early repayment penalty.
- Applications assessed and graded into one of four risk categories (A1, A2, B1, B2); only approximately 17% of applications are approved.
- 100% online application process.
Open to individual retail investors.
Focused on New Zealand residents; no explicit international access mentioned.
For investors: 10% of interest earned on non-referred loans; 25% of interest earned on referred loans (loans sourced via third-party partners such as car dealers).
For borrowers: a one-off amount-based platform fee applied at origination.
Lending Crowd offers to invest in various crowdfunding opportunities from the SME, Personal loans sector.
At Lending Crowd, you can start investing with NZ$50.
The investment models Lending Crowd operates is P2P lending.
