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Yeah, it's too much cash to risk on these schemes I think but I might use these if I stumble on a couple of grand or something.
https://www.financialthing.com/funding-circle-review/
hippy
I have a small amount in there and previously had some in Funding Circle (business loans) also.
Ratesetter the risk involved is negligible has differing interest rates based on the length of investment. Funding Circle had significantly better returns (after losses) but I could have just been lucky (this was before they changed their loan system).