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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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 Services
- Investment Banking
- 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.
Very staisfactory p2p experience
Easy to use interface. Lenders kept up to date. I'm only withdrawing funds as the financial future looks uncertain with borrowers unable to meet target dates. However as there uis sufficient security in the loans I'm not worried, and KL certainly keep on top of the job
30 March 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
From everyone here at Kuflink, thank you for your review, we really appreciate it.
Investment term ended and email said…
Investment term ended and email said unless I responded by next day the funds would be re-invested. Sounds very dodgy. However, I contacted them and funds were made available to withdraw within 24 hours, so 'happy ending.
26 March 2023
Reply from Kuflink
Thank you very much for your review - it is much appreciated.
We begin to contact investors 6 months in advance to any Auto / Auto IF-ISA maturities to provide plenty of notice, and time to instruct us with your plans. Reminder emails are sent throughout this period if we have not heard anything and towards the end we also aim to call.
The reason the default is set to roll over for a further 1 year period if we do not hear back is due to a lot of the time people may have other priorities they are tending to before they check on their accounts. We find that when we notify investors of wallet funds later down the line they are shocked to hear they are sat idle not accruing them any interest.
We find with this set up it allows investments to stay invested continuing to put your money to work. We do give a 30 day window after investments have rolled over for users to reverse this, and of course are lenient in other circumstances where it may have not been physically possible to contact us back, or instruct any plans on accounts.
I hope that provides a further explanation to you, as always our team are on hand to assist if required.
Reply from Kuflink
Thanks so much for your review - we are very pleased you found your experience easy and straight forward!
All going well
Been with them for a few years now. I don't invest thousands, but to date all has gone well and they keep you up to date of devlopments
22 March 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 and easy to use! May it long continue!
Kuflink good work - with necessary advice
Kuflink have done good work, showing honestly the financial risks which people need to understand if they wish to participate. Much is given on the contributer's site, though personally some issues have been unclear to me at times and then when I call to a helper they have been very good.
21 March 2023
Reply from Kuflink
Thank you very much for your review - we are very happy to hear you have been enjoying your experience so far with Kuflink and hope this long continues.
Lenders are kept up to date very well…
Lenders are kept up to date very well with financial issues on their accounts. Kuflink is always active in monitoring Borrower status and taking action when required. As a result default rate is comparatively .
16 March 2023
Reply from Kuflink
Thank you for your review, we are very grateful for your comments and will continue to keep you updated regarding your portfolio.
Excellent service
14 March 2023
Reply from Kuflink
Thanks so much for your review - it is much appreciated!
Great investment products and…
Great investment products and personalised customer service. Property investments have so far delivered expected returns and to schedule
13 March 2023
Reply from Kuflink
Thank you so much for your review, we really appreciate the time taken to do so. It's great to hear your feedback.
Could do very slightly better
The date of my experience is only approx. My views refer to my last three years with Kuflink!
They are a fine company offering excellent rates of interest. However there are a few points which new investors need to know about.
1. They only pay simple interest so if you invest for a longer term than 12 months you will lose a little after the first year.
2. I invested for 5 years and when I realised I was only getting simple interest I tried to get my interest paid away but this was not allowed at first. Then when the changed their minds I had to pay a £35 charge which meant paying to obtain my own money!
3. They appear to be a little tardy when paying out moneys and it needed some messages from me to try to get things moving.
4. They did eventually allow me to withdraw my investment after about 3 years with full interest for the time invested and without any withdrawal charges. I did appreciate this and have told them so.
5. When you do withdraw your money - if everyone is treated as I was - you get told you are now persona non grata (my term) and you will not be allowed to invest with them again. Luckily there are plenty of alternatives to Kuflink.
On the plus side they answer your questions quickly enough and they say no one has ever lost a penny when investing with them and I believe them! and but for the points mentioned above I would have given then 5 stars.
1 March 2023
Unprompted review
Reply from Kuflink
Thank you for your review, we appreciate the time taken to leave your comments.
We are pleased that we reached a mutual agreement and returned your funds to you. We understand our products are not suitable for everyone and would like our clients to invest with confidence where they understand the risks involved.
We wish you all the best for the future and thank you for your custom over the years!
Top company
Top company, easy website to withdraw, renew, or set up new transactions, graet customer service.
12 March 2023
Unprompted review
Reply from Kuflink
Thank you very much for your review, we are so pleased to hear you are enjoying your experience so far with Kuflink and hope this long continues.
Very helpful
Karolina was very helpful to explain the auto process and other applications. Thank you
2 March 2023
Unprompted review
Reply from Kuflink
Thank your for your review - it's great to hear you found one of our Investor Relations team, Karolina, so helpful. We have passed on your kind feedback.
I've been using Kuflink for a few years…
I've been using Kuflink for a few years now, so far so good! Reliable source of savings. Obviously they come with risks but it's all been positive for me
17 February 2023
Reply from Kuflink
Thank you very much for your positive review - we are so pleased to hear you are enjoying your experience so far with us and hope this continues in the future.
Reply from Kuflink
Thank you very much for your positive review - it is greatly appreciated by us all here at Kuflink!
You keep me up to date when repayments…
You keep me up to date when repayments are delayed.
20 February 2023
Reply from Kuflink
Thank you for your review, it is much appreciated. We will continue to provide updates regarding loans, and any other important information throughout your investment journey.
Great communication with regular…
Great communication with regular updates. I will be increasing my investments over the next few months
20 February 2023
Reply from Kuflink
Thank you so much for your review and positive feedback - we are over the moon to hear that you will be increasing your investments, and are on hand to assist where needed.
Northern investor
Paid back money as promised many times over the last 3 years, thank you
20 February 2023
Reply from Kuflink
From the entire team here at Kuflink, thank you very much for your review - it is great to hear your positive thoughts!
Good returns if you can wait
Good returns if you can wait for the loan extensions to complete - only invest money you don’t need in a hurry
20 February 2023
Reply from Kuflink
Thank you very much for your review, it is greatly appreciated by us all here at Kuflink!
Good IFISA company
Good IFISA company. I joined because of the auto-investment option but ended up using the self-select option more since it gives the same rates, with the advantage of being locked in the investments for a much shorter period.
15 February 2023
Reply from Kuflink
Thanks so much for your review, we really appreciate your time taken to do so. Our rates usually differ between each product however, each works in their own individual ways. If you ever want further clarity on this, please do not hesitate to reach out to our Investor Relations team.
Friendly staff
Good return, easy access to friendly and knowledgeable staff. All the help I need every step of the way.
2 February 2023
Reply from Kuflink
Thank you for taking the time to leave us your positive review - it is greatly appreciated, and we really appreciate your kind words. As always, we are on hand and happy to assist where needed.
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