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.
Kuflink my favourite
Kuflink remains my favourite investment source. Good communications keep me informed of investments progress and their handling of delayed or defaults is clear and competent.
May 15, 2023
Reply from Kuflink
Thank you for your review, and positive comments - it is great to hear and we hope your good reflection of Kuflink long continues!
I have invested with Kuflink since the…
I have invested with Kuflink since the start and my experience has been more than satisfactory in terms of return on investments and ease of use. The staff have always been very helpful.
May 15, 2023
Reply from Kuflink
Thank you so much for your review, we are pleased to hear that you have enjoyed your experience so far with Kuflink, and hope this continues into the future. As always, we are on hand to help whenever we can!
Excellent Investment platfaform
Hi Laura
Kuflink is certainly one of the best and easiest p2p investment platforms to navigate,and certainly one of my favourites.Customder relations are excellent.
May 17, 2023
Reply from Kuflink
Thank you for your review, it's great to see the positive comments you have left, and we really appreciate the time taken to do so.
Another full repayment of capital and…
Another full repayment of capital and interest. Been investing in Kuflink just over 6 years and to date all interest due has been paid with no capital losses and average return of 6.9% pa. Who could complain given where Bank of England Interest rates have been until recently?
May 16, 2023
Reply from Kuflink
We appreciate your time taken to leave us your review, and being with us for the last 6 years+ throughout our ever expanding journey and achievements. So here at Kuflink, we thank you!
We are proud to still hold the status of no investor losses to date, and will continue to do our utmost to retrieve full capital repayments for all.
Thanksfully not kicked down the road
Have seen a number of loans, extended, the repayment today, ends any kicking the repayment can down the road. Little option but to withdraw the capital and interest. P2P is a dead end a few platforms are worthy and Kuflink amongst them but there is one issue the rates are basically unchanged since the BoE Base Rate was at 0.1% now it's at 4.5%, rates are not enough relative to the risks. Risks are even higher, with higher rates, easy to see 30% drop in house prices wiping out the LTV. Not giving up on P2P, just reducing my exposure, and looking at the risk reward which has shifted considerably.
May 16, 2023
Reply from Kuflink
Thank you for your review, we really appreciate the time taken to leave this.
We will continue to do our utmost to achieve full capital repayments for all. Currently we are running a promotional rate offer in our Auto and Auto IF-ISA product where you can earn up to 9.73% compound interest, as we do understand the need for the rate increase due to the recent hikes relating to the Bank of England.
If you wish to discuss any concerns you may have in more detail then please do feel free to reach out to our Investor Relations team who are always happy to help!
Paid the money that was available on a…
Paid the money that was available on a certain deal into my wallet
May 15, 2023
Reply from Kuflink
Thank you for your review - we are pleased to see you were happy with your recent capital and interest repayment.
Ongoing issue (over 6 months past…
Ongoing issue (over 6 months past repayment date) with getting repayment on a loan. As a first investment I am not likely to invest with Kuflink again.
March 16, 2023
Reply from Kuflink
Hello,
We would like to discuss the concerns raised in your review in further detail. Please could I kindly ask you to reach out to our Investor Relations team on 01474 33 44 88 (option 2), by email - hello@kuflink.com, or by starting a live chat between office hours (9 am - 5:30 pm Monday to Friday).
Our dedicated team will do their best to speak through and listen to any points you wish to make, and answer any questions / provide guidance where required.
Great customer service, difficult times.
Kuflink are good at communication. Regularly monthly summary of all investments. Good website detailing existing portfolio, new offers and a secondary market where investors can buy sell loans that are in good condition.
Right now, with higher interest rates, borrowers are finding it harder to repay their loans on time so many of the loans in my portfolio are overdue and a couple are in receivership. I should emphasise that I have not lost any money. However new investors should be aware that the expected end date for an investment is not guaranteed so you must be prepared for delays in getting your investment back.
May 2, 2023
Reply from Kuflink
Thank you for taking time to write a review for us. We are pleased to hear that you rate highly our communication and customer service - I will be sure to pass this on to our teams. While a higher number of loans than usual are currently delayed, we do pride ourselves on zero investor losses to date and we hope this long continues. Our teams work hard to receive repayments or recover them and we will continue to provide the relevant loan updates throughout your investment term(s) with Kuflink, and if at any time you wish to discuss these further please always feel free to reach out to our Investor Relations team via live chat, email or by calling 01474 33 44 88 (Option 2).
Reply from Kuflink
From the entire team here at Kuflink we want to thank you for your review, and positive comments - it is good to hear and we are glad that our platform works great for you. May this long continue!
Reply from Kuflink
Thank you for your review and your kind words. I will pass on your comments to the rest of the team. Have a great day!
Steady Investment
I will continue to invest in Kufflink. I make a good return without losses. This is not easy to find anymore.
I have had occasion to contact them and they cleared up the issue in a matter of hours.
April 27, 2023
Reply from Kuflink
From everyone here at Kuflink, thank you for your review. We really appreciate your kind words and I have passed on your comments to the Investor Relations Team. We are extremely pleased to hear you are enjoying your experience so far with Kuflink and hope this long continues.
Reply from Kuflink
Thank you very much for your review - it's great to have you onboard. We are extremely pleased to hear you are enjoying your experience so far with Kuflink and hope this continues.
Very efficient and reliable service
April 9, 2023
Reply from Kuflink
From the entire team here at Kuflink we want to thank you for your review, and positive comments - it is great to hear and we hope your good reflection of Kuflink long continues!
We find your new system very confusing
We find your new system very confusing. Lisa was very helpful in sorting out our problems, thank-you
.
April 8, 2023
Reply from Kuflink
Thank you for taking the time to write this review and all your feedback. We are pleased to hear that Lisa was a great help in navigating you through our platform and hope that you will find the system much easier on your next visit online. As always, our team is on hand to assist if need be.
Full refund on repayment of the loan
My wallet was refunded fully, including interest, when the loan was respaid and I was advised accordingly.
April 4, 2023
Reply from Kuflink
From the entire team here at Kuflink we want to thank you for your review, and positive comments - it is great to hear and we hope your good reflection of Kuflink long continues!
Reply from Kuflink
Thank you very much for your review - it's great to have you onboard. We are extremely pleased to hear you are enjoying your experience so far with Kuflink and hope this continues.
Amazing Service
Today is last day for I use the allowance at tax year 2022-2023 but I had many question during sign up my IF-ISA account. Lisa and instruction help me from 14:00 to 16:40. They are very friendly, helpful and keep to inform me the next step how to do. :)
April 5, 2023
Unprompted review
Reply from Kuflink
From the entire team here at Kuflink we want to thank you for your review, and positive comments - it is great to hear and we hope your good reflection of Kuflink long continues!
investment was successful and I was…
investment was successful and I was happy with the communication throughout the period of the loan
April 3, 2023
Reply from Kuflink
Thank you very much for your review - it's great to have you onboard. We are extremely pleased to hear you are enjoying your experience so far with Kuflink and hope this continues.
Very good experience User friendly…
Very good experience User friendly site, very easy to navigate. Staff keep me informed with timely updates.
Thankyou team Kuflink.
April 3, 2023
Reply from Kuflink
From the entire team here at Kuflink we want to thank you for your review, and positive comments - it is great to hear and we hope your good reflection of Kuflink long continues!
No losses to date
No losses to date, Unlike some other peer-to-peer lending sites cufflinks has never lost any of my investments
March 29, 2023
Reply from Kuflink
Thank you for you review, it is much appreciated and we are so pleased to hear you find our services reliable! May it long continue!
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