What is the Innovative Finance ISA?

The Innovative Finance ISA (IFISA) allows you to invest your annual tax free ISA allowance of £20,000 into P2P loans. Make the most of your allowance and earn up to 10.5% with our investment opportunities.

Tax treatment of IF-ISA depends on your individual circumstances and may be subject to change in the future. Investors should seek professional tax advice, before making any investments, if they are unsure.

Benefits of the ArchOver IFISA

  • Earn up to 10.5% p.a. tax-free
  • Choose from a range of security types, so you can diversify your portfolio in-line with your investment goals
  • The rate posted with the loan is the rate you receive
  • Lend to established UK businesses that meet our strict criteria
  • All loans have passed our thorough credit analysis and are monitored monthly throughout the term
Risk Warning

Lenders: Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Interest payments are not guaranteed, if the Borrower defaults we offer no assurances that capital can be recovered. Historic returns and loan default rates are not necessarily indicative of future returns and future default rates. ISA eligibility does not guarantee returns or protect you from losses. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme. Take two minutes to learn more and please read our P2P Guide .

ArchOver Limited is a company registered in England and Wales with company number 07235487. ArchOver Limited is authorised and regulated by the Financial Conduct Authority (Reg No: 723755).