Auto/Auto IF-ISA 1%, 2% or 3% Cashback Boost (T&C’s apply)

Don't invest unless you're prepared to lose money. This is high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 minutes to learn more

The snowball effect with

Finance ISA

The power of compounding - Tax Free

Kuflink IF-ISA?

Now you can invest in Secured loans† and enjoy the tax-free benefits that an ISA has to offer with the Kuflink Innovative Finance ISA!

We will spread your investment, and your risk, across a portfolio of Secured loans† and provide you with a rate of interest in relation to the term that you choose.

Text describing a rate of up to 10.25%
Our Future
Investment Calculator
Initial Invest
invest Monthly?
Average Inflation
Years to Invest

Consider Inflation


Amount Invested


Kuflink Projection (% APR)


Return On Investments


Return On Investments in %
Year Total Investment Amount Total Investment & Interest Amount Total Interest Accumulated Total Interest Balance Accumulated Total Investment & Interest Amount Balance

IF - ISA (Tax free)

Earn up to 10.25%*† tax-free interest by opening a Kuflink IF-ISA today, with a minimum investment of just £1000. You’ll lend to a diverse range of Secured loans†.
1 Year Term
interest earned
Up to 10.25% gross pa*
2 Year Term
interest earned
Up to 8.86% gross pa*†
3 Year Term
interest earned
Up to 7.50% gross pa*†

ISA Transfer
£15m in ISA Transfer into Kuflink from Major ISA Providers

Innovative Finance ISA (IF-ISA) offered
via the Kuflink platform

Established in 2011, Kuflink has been one of the stead-fast bridging companies in the UK. Kuflink, in 2017 established an Online Peer to Peer platform to offer their bridging deals to their investors. Kuflink Ltd was approved by HM Revenue and Customs to act as an ISA manager in May 2017.

Kuflink’s innovative approach presents clients with the ability to explore many investment opportunities, such as IF-ISA products.

ISA (IF-ISA) offered via the Kuflink platform

How to earn £1m Tax-free
with Kuflink IF-ISA

Our Accountants, Compliance and Tech teams were brainstorming in the boardroom and discovered a way to make over £1m net Tax free interest using the Kuflink IF-ISA model*. Being Tax-Free this boosts your returns, by compounding the tax free earnings grow exponentially over time. Kuflink's IF-ISA fits this model.
The Objective of the education is not to fill a mind with facts; it is to teach how to use mind in thinking - Henry Ford
Consider the following to earn £1M TAX FREE from Kuflink's 3 Year IF-ISA at 9.83%*†. (The concept works on smaller amounts as the percentage return is the same).
Initial and ongoing Steps
Initial and Ongoing Steps 🐢
Results-After 30 years
Result - After 30 Years 🚀
Power of compounding

Download a Free IFISA Guide

Subscribe to the Kuflink Peer to Peer Investment Blog and get your FREE Ebook today.
'Individual Saving Accounts' ('ISA's') where you can earn Interest TAX-FREE.

The front cover of the Kuflink IF-ISAs Beginner's Guide

Innovative Finance ISA
Frequently Asked Questions

What is an Innovative Finance ISA?

Innovative Finance ISAs (IF-ISAs) are investments that allow consumers to lend and earn tax-free interest through a Peer to Peer lending platform. Innovative Finance ISAs pair up willing lenders (or investors) with individual and business borrowers through an easy-to-use online platform.

Read More

How many IF-ISAs can I have?

You can have multiple ISAs, but you are only allowed to open one new IF-ISA with a single provider per tax year. As of the 2022-23 tax year, you are allowed to invest up to £20,000 into an ISA, collectively accounting for Cash, Stocks & Shares, Lifetime and Innovative Finance ISAs

Can I carry my ISA allowance forward?

No. The annual allowance of £20,000 runs from 6 April one year to midnight on 5 April the following year, meaning that if you don’t use your annual allowance within that period, it will be lost.

What if I exceed my ISA allowance?

If you have accidentally exceeded your ISA allowance or opened an account you are not entitled to; you should not attempt to put your mistake right yourself but report it to HMRC by calling 0300 200 3300. They will assess your situation and tell you exactly what to do next.

What is an ISA?​

ISA is an individual saving account with TAX FREE benefits on your earnings.
There are four types of Individual Savings Accounts (ISA):

1. Cash ISA;
2. Stocks & Shares ISA;
3. Innovative Finance ISA (IF – ISA); and
4. Lifetime ISA

You can put money into one of each kind of ISA each Tax year. 

Who can open an ISA?

You must be:

16 or over for a cash ISA
18 or over for a stocks and shares or Innovative Finance ISA
18 or over but under 40 for a Lifetime ISA

You must also be either: 

1. a resident in the UK; or 
2. a Crown servant (for example diplomatic or overseas civil service) or their spouse or civil partner if you do not live in the UK

You cannot hold an ISA with or on behalf of someone else. 

How does an IF-ISA work?

An innovative finance ISA lets you use your tax-free ISA allowance while investing in peer to peer (P2P) lending.

P2P lending is a form of investing where you directly lend money to borrowers and businesses. The borrowers then pay back the borrowed amount, with interest on top.

The Interest they pay is the return you get on your investment. You earn this interest tax-free. 

Investors (IF – ISA holders) are linked with borrowers. A borrower could be a business, an individual or property developer. 

So, with an innovative finance ISA, your IF – ISA account contains P2P loans. With a cash ISA, it has cash, and with stocks and shares, it includes stocks and shares.  

Expert Star Ratings


Award Winning

Moneyfacts two time winners Business Moneyfacts PWA-Logo-CMYK BC-P2P-Award Commend p2p Provider of the year