First a leadership change, then a whole lot of new terms & conditions including the ending of the 5% investment by them in every loan, of the coverage of the shortfalls of repayment using their own fu... See more
Company replied
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Review summary
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Reviews shaping this summary
We were happy customer for years but the recent changes have put us off the increased investment we were going to make and instead we have chose to reduce the percentage of our overall savings with ku... See more
A number of investors have highlighted the sudden appearance of defaults in this product and the company’s response has been that it’s not something new and has been there even before. While this is t... See more
As a customer of many years I would advise instead investing in high yield credit or junk bonds rather than this. You'll get better returns, but most importantly, liquidity. I'm sure the staff are... See more
Company replied
Company details
- Investment Service
- Alternative Financial Service
- Investment Bank
- Investment Company
- Non-Bank Financial Service
- Property Investment
Written by the company
Kuflink is a Peer to Peer platform and a Bridging Lender. Our award-winning lending, offers fast, flexible short-term finance to a wide range of credit profiles since 2011, with funds available in as little as 5 days*. Kuflink is FCA Authorised and Regulated as an online Peer to Peer platform; every loan application is thoroughly underwritten to meet our high standards and secured by fixed charge (e.g., property) and/or floating charge. These loans are then offered as investment opportunities on our platform, where investors can earn up to 9.13%* (compounded). So far, over £400 million has been invested through the platform and over £300 million has been paid back in capital and interest (figures correct to 18 August 2025). Investments start from £500 across three easy-to-use products, including a tax-free ISA. *Capital is at risk and Kuflink is not protected by the FSCS. Past returns should not be used as a guide to future performance. Securing investments against UK property does not guarantee that your investments will be repaid on time and returns may be delayed. Tax rules apply to IF ISAs and SIPPs and may be subject to change. Kuflink does not offer financial or tax advice.
Kuflink - Lending Together
Written by the company
- We're committed to our customers!
- We have a longstanding commitment to treat our customers fairly - with respect, support and kindness.
Contact info
21 West Street, Gravesend, Kent, DA11 0BF, Gravesend, United Kingdom
- 01474 33 44 88
- hello@kuflink.com
- kuflink.com
2.8
Average
1K reviews
No history of asking for reviews
This company hasn't invited their customers, so reviews may not be representative
Replied to 71% of negative reviews
Typically replies within 2 weeks
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Delivered as promised
Kuflink delivered everything as promised, however I will admit certain sceptisicm about the prominent claims of no losses that deminish the real risks of such investments.
November 30, 2023
Reply from Kuflink
We appreciate your feedback and are glad to hear that Kuflink delivered everything as promised. As with any investment, it is natural to have some scepticism, especially when claims seem too good to be true. However, I want to assure you that at Kuflink, we take risk management seriously. Even though some of the loans may take longer to repay, we are proud to say that we have recovered all and none of our investors has ever lost a penny. I encourage you to review our audited accounts and risk statements on our website. We believe in transparency and want our investors to make informed decisions - we are always on hand to answer your queries.
Excellent company to invest with
Excellent company to invest with. I’ve used Kuflink for several years and have always been impressed with their communication, user face and returns.
January 21, 2024
Unprompted review
Reply from Kuflink
Your positive feedback is much appreciated! We are pleased to hear that you have experienced an excellent service as it is exactly what we aim for in everything we do. If you have any questions or need assistance, please don't hesitate to reach out to our team on 01474334488 (option 2) or via email at hello@kuflink.com. We value your trust and look forward to serving you for many more years.
Great P2P company
Great P2P company, been with Kuflink for many years now and very happy with the service and platform.
January 19, 2024
Unprompted review
Reply from Kuflink
Thank you for your positive feedback! We greatly appreciate your loyalty as a long-standing customer of Kuflink. It's wonderful to hear that you've been happy with our service and platform over the years. May this long continue!
Excellently Run Client Focused Property Investment Business
Excellent regular communication.
Superb commercial business management.
Cannot speak highly enough of Kuflink. I have never
for one second regretted investing through them. The crucial thing for me was to know that they invest their own money in each deal they propose to their clients. They get you great returns on their loans, and get you your money back, so the process can recommence all over again!
Even called me to let me know I had some spare cash in the account that I could put to work, which I was delighted to do!
If Danish lagers were like Kuflink .....
January 15, 2024
Unprompted review
Reply from Kuflink
If Danish lagers were like Kuflink, they'd be exceptional indeed! Thank you for your feedback and such positive review. We are pleased to hear that your journey with Kuflink has been excellent and trust that this will long continue. Our dedicated Investor Relations team is on hand to assist with any queries that may arise. Do not hesitate to get in touch via live chat, email hello@kuflink.com or call us on 01474334488 (option 2).
Reply from Kuflink
Thank you for your feedback. It’s always great to hear positive thoughts from satisfied customers. If you have any questions or concerns in the future, please don’t hesitate to contact our Investor Relations Team at hello@kuflink.com or via telephone on 01474334488 (option 2)
paying by debit card is quicker
paying by debit card is quicker than bank transfer. debit card, the money is available to use straight away. bank transfer takes a while for the money to be available to use.
January 3, 2024
Unprompted review
Reply from Kuflink
Thank you for writing your review and sharing your thoughts about different methods of topping up on the platform. We are pleased that you have a great experience and hope that it long continues into 2024 and beyond! Should you require any assistance, our friendly team is happy to answer your call on 01474334488 (option 2) or email at hello@kuflink.com.
Just a great company to do business with
December 21, 2023
Reply from Kuflink
Thank you for your feedback. It’s always great to hear positive thoughts from satisfied customers. If you have any questions or concerns in the future, please don’t hesitate to contact our Investor Relations Team at hello@kuflink.com or via telephone on 01474334488 (option 2). We are always happy to help!
Lisa has been extremely helpful
Lisa has been extremely helpful, efficient in assisting us with my account.
December 20, 2023
Unprompted review
Reply from Kuflink
Thank you for taking time to provide us with your feedback and your positive review. We are pleased to hear that Lisa was able to assist you with your queries about your Kuflink Account. We strive to provide best possible experience to all our Clients and despite being an online platform, our colleagues play huge role in delivering customer service excellence. I will be sure to pass your comments to both Lisa and the entire team.
Good experience
Easy platform to use and decent returns. Company very good with communication and updates.
December 15, 2023
Reply from Kuflink
Thank you for providing your feedback! We are delighted to hear that you had a good experience with our platform and that you are satisfied with the returns. We appreciate your trust and loyalty in our company and we always strive to provide you with the best communication and updates. We hope to serve you again soon and exceed your expectations!
fantastic help with answering my…
fantastic help with answering my queries and confirmed all my 'what to do' options. (lisa)
December 7, 2023
Unprompted review
Reply from Kuflink
Thank you for your review and kind words! We are glad that Lisa could help you with your queries and provide you with the information you needed. I will be sure to pass on your feedback to our teams and especially to Lisa. If you have any further questions or concerns, please don’t hesitate to reach out to us again at hello@kuflink.com or by calling 01474334488 (option 2).
Property investment platform
Investment platform is clearer to navigate outlining the investments and ease of investing . No issues with withdrawals when requested.
November 29, 2023
Reply from Kuflink
Thank you for your feedback. We are glad to hear that you find it clear and easy to navigate through the Kuflink Platform, and that you have no issues with withdrawals. We hope to continue providing you with the best service and support possible. If you have any questions or concerns, please do not hesitate to contact your Investor Relations Team via email at hello@kuflink.com or by calling 01474334488 (option 2).
Prompt and efficient..
November 18, 2023
Reply from Kuflink
Thank you very much for taking time to write your review. Clients have always been our number 1 priority and we aim to resolve any queries or issues in best way possible for all parts. We are pleased that you find our services efficient and prompt and I will be sure to pass on those positive comments onto our Teams.
Very easy and reliable
The auto-invest account is very easy – "invest-and-forget" – and was repaid on time with no fuss.
November 15, 2023
Reply from Kuflink
Thank you for your kind review. We are pleased to hear that you enjoyed our Auto-Invest option and found it reliable. We do hope that this reflection of Kuflink will long continue. If you have any questions then do not hesitate to get in touch with our dedicated Investor Relations Team on 01474334488 or at hello@kuflink.com.
Mostly reliable as P2P
November 10, 2023
Reply from Kuflink
Thank you for taking time to review our services. We are glad to hear that you found our platform reliable! Feedback is very important to us and I have passed on your comment to the Investor Relations Team. From everyone here at Kuflink - Thank you!
So I have recently started using…
So I have recently started using Kuflink, moving funds from another similar provider. The website isnt that user friendly but once you get used to its fine. However there are several reasons why I have given it 3 stars. (there are things I love but people arent interested in these !!)
It offers tiered interest based on monthly or end of term. Which in theory sounds sensible, but how does it offer a higher rate for end of term payment. I presume this is due to the fact they take a lower profit of end of term repayments, however if this is the case then must "save the funds for end of term repayment" and is this kept in a client account ? they just needs to be more transparent about where it is going and how it is protected (or not). It might be somewhere on the website but I cant find it. Why offer this service unless they are using these funds ? so this worries me.
Secondly they say zero losses, but dont define this very well, is this zero capital loss, zero interest loss, we all know that loans aren't always repaid on time (which is fine). I find it very difficult to believe there has been absolutely no losses of any kind especially as there are some loans in default at the moment (Stratford Rd SG19 Tr-1 Tier3, Curtis Rd TW4), which must be resulting in a potential if not realized loss as they should not be paying interest
Why dont they publish their loan book and its status would just make things a lot easier and transparent
November 12, 2023
Unprompted review
Reply from Kuflink
Thank you for sharing your experience with Kuflink. It’s great to hear that you found the account easy to use, but I understand that you have some concerns about the platform’s transparency and seeking further understanding on how interest is paid.
Firstly, the interest - higher rate to be paid at the end of term is simply the monthly interest but calculated as COMPOUNDED. The FAQ on how compounding works can be found here: https://kb.kuflink.com/knowledge/how-much-difference-will-compounding-my-interest-make Secondly, we do take pride in fact that to date, our investors have not had any losses in both capital and interests as a result of defaults. Our statistics are available on the bottom of platform page, here: https://www.kuflink.com/statistics/
Additionaly, we do have points 11 and 12 in part 1 of our terms and Conditions which explain that in case of a Loan going into Default a recovery process takes place. All loans are secured by a property and the sale of this secures repayments to investors. How long this takes -depends on each case's circumstances. I trust that this all helps however, I strongly recommend to contact our friendly Investor Relations Team via hello@kuflink.com or by calling 01474334488 (option2) if you would like to discuss any other queries. We are here to help.
End result fine but website confusing
End result was fine with payment made promtly and amounts explained. But I found the website confusing and unclear when trying to find out what state of account was.
November 1, 2023
Reply from Kuflink
We appreciate your feedback and would like to assure you that we take all reviews seriously and use them to improve our services.
I’m sorry to hear that you found our website confusing and unclear. We strive to make our website as user-friendly as possible, and we’re always looking for ways to improve. That being said, I’d like to point out that we always keep our clients informed and respond to them with utmost care. I can see that your concerns were answered and explained in detail. If you have any further questions about your account, please don’t hesitate to reach out to our Investor Relations team via telephone on 01474 33 44 88 (Option 2), or email hello@kuflink.com. We’re here to help and want to ensure that you have the best possible experience with our services.
excellent so far
October 2, 2023
Unprompted review
Reply from Kuflink
Thank you for your feedback. It’s always great to hear positive thoughts from satisfied customers. If you have any questions or concerns in the future, please don’t hesitate to contact our Investor Relations Team at hello@kuflink.com or via telephone on 01474334488 (option 2). We are always happy to help!
Just very disappointed
It's just a bit of a farce that a customer signing up you have to go through all these questioning (KYC, all that stuff) to ensure you understand the risks involved etc... and then 12 months after you start investing Kuflink change their investment rules, which now prices me as a consumer out of their market, yet I'm stuck with their platform while my existing investments come up, or I have to sell them at a loss. I'm sure neither of these would be advised in the KYC survey's when you sign up, yet I've got no other choice. Very disappointed.
August 1, 2023
Unprompted review
Reply from Kuflink
I’m sorry to hear that you’re disappointed with Kuflink’s recent changes to their investment rules.
It’s important to note that Kuflink is required by law to conduct KYC (Know Your Customer) checks on all new customers. These checks are designed to protect both the customer and the platform from fraud and other financial crimes. The overall process should take no longer than five minutes to complete, whilst ensuring that the platform is safe and secure for all of our users. At any time you need any assistance with this you can reach out to our dedicated team on hand.
Regarding the recent changes to Kuflink’s investment rules, I appreciate that this has left you feeling somewhat frustrated however, it’s worth noting that investment platforms are constantly evolving and changing in response to market conditions and other factors. While these changes can be difficult to navigate, they are often necessary in order to ensure the long-term viability of the platform.
When selling investments on our Secondary Market, you will still receive all interest accrued until day before sale date and the Marketplace fee is only 25p per £100 sold. It’s important to remember that investing always carries some degree of risk. By carefully considering your options and making informed decisions, you can help ensure that your investments are working for you in the best way possible.
If you wish to discuss your concerns further please reach out to our Investor Relations team via 01474 33 44 88 (Option 2), or email hello@kuflink.com.
Loans are misrepresented
The majority of loans are mis-described. They all end up in arrears, and eventually extended. Communication is woeful. I’m just trying to get my money out!
September 22, 2023
Unprompted review
Reply from Kuflink
I’m sorry to hear that you’re having trouble with Kuflink’s loan descriptions and communication.
If you haven’t already, I would recommend reaching out to Kuflink’s Investor Relations Team to see if they can help resolve your issue. They will be able to provide more information about the loans you’ve invested in and help you understand why they’ve ended up in arrears and been extended. Please call 01474334488 (option 2) to speak to one of our colleagues or email hello@kuflink.com should this be more convenient.
Reply from Kuflink
I’m glad to hear that you’ve been happy with the service provided by Kuflink so far. It’s always great to hear positive feedback from satisfied customers. If you have any questions or concerns in the future, please don’t hesitate to reach out to our Investor Relations team on 01474334488 (option 2) or via email at hello@kuflink.com
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