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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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
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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
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I have always enjoyed Kuflink until…
I have always enjoyed Kuflink until recently when they appear to have changed the minimum investment in each property to be £500 - please correct me if I'm wrong.
I liked Kuflink because it allowed me to spread my risk over several investments, but £500 in one hit is too much for me, especially as many of the loans are now in difficulty.
I have never lost any of my money, and they have always rescued it, but Ithink something like £100 minimum would have been realistic.
1 September 2023
Unprompted review
Reply from Kuflink
Thank you for taking time to write this review and pass on your feedback. We are pleased that you have always enjoyed investing with Kuflink and do hope that it will long continue. Like all our Clients, you have never lost a penny and our teams worked hard on ensuring that whether early or late - repayments reached you. This is still very much the case and they will work even harder in order to deliver the same outstanding service, if not better as the time goes. We recognised that times have come where loan extensions happen more often than not and it is our responsibility to ensure that the platform is right for investors and that investors are right for the platform. Please read more about recent changes here: https://p2pfinancenews.co.uk/2023/08/08/how-higher-investment-thresholds-can-protect-peer-to-peer-investors/ Thank you again and if there is anything you wish to discuss with our team then do not hesitate to contact us directly.
Their £500 minimum per investment…
Their £500 minimum per investment introduced on 21 August was a mistake of timing and I didn't get the email so learned about it through forums. Still worth 4/5 but they should watch this tendency to make changes with less than satisfactory notice. I would have set the minimum to £50 or £100 or else limit the high figure to new investors only (at £250) and review.
I know they will read this, so I hope this review is appreciated..
30 August 2023
Unprompted review
Reply from Kuflink
Thank you for sharing your thoughts regarding our new minimum investment amount. Yes, it was introduced on 21st August and we have sent an email with plenty of notice on 26th July to inform all our investors of the upcoming change. Our internal team has dedicated months of planning and analysing to implement what is best for the future of both - the platform and its clients. You may find a few insights from Head of our Investor Relations helpful, here: https://p2pfinancenews.co.uk/2023/08/08/how-higher-investment-thresholds-can-protect-peer-to-peer-investors/ Please note that currently there are two exceptions to the £500 minimum investment: -utilising your Historic ISA funds and, both selling and purchasing on our Secondary Market, even if the amounts are much lower. Should you wish to discuss your circumstances with our team, please contact us via live chat, email or by calling us on 01474334488 (option 2).
What is the reason for the single F? Answers on a postcard...
I have only been with Kuflink a few months; it started well even if their website is rather clumsy and could do with nice filtering options. They also have non existent app which is just the same website. However they are minor niggles. I have been slowly building up my portfolio by investing small amounts in their select products, generally between £25-£100 per loan which helps me diversify the risk. Over the last few weeks they have been drip feeding massive changes, you have to laugh at the email!
“At Kuflink, we continuously strive to improve our investment process and provide the best experience for our users. We are constantly reviewing the feedback we receive from our investors and make suitable changes where necessary.”
Apparently the investors wanted more risk and less diversification! The first change was an initial 1K deposit and the latest a minimum loan amount of £500. This is a substantial change since you can currently invest just a few pounds in each loan and investing £500 in one loan comes with a big risk and decreases the diversification. In my opinion there are not many loans listed that deserve such a high investment amount. (risk vs reward) You can still diversify in their auto market (previous minimum £100) but they are fixed terms with no exit route via the secondary market and only marginally better returns then a FSCS protected product where your capital is not a risk. (7% vs 6% 1YR) These changes seem to a indicate a trend to kick out the smaller investors in favour of institutional funding. (possibly via Paragon Bank as recently announced) The £500 minimum may work in the auto market where at least it will be spread against multiple loans but for the select market it makes no sense to me; I imagine the select markets will also be withdrawn in due course with Kuflink saying it's wanted the people wanted!
31 July 2023
Unprompted review
With the changes to minimum investment…
With the changes to minimum investment amounts this platform has now moved outside my reach. I am currently removing any money returned.
23 July 2023
Reply from Kuflink
Thank you for taking time to write this review. We do hope that you had a pleasant experience while part of our platform and understand fully that the new reinvestment threshold will not be for everyone. Should you have any questions regarding this or any other matters then please do reach out to our Investor Relations Team on 01474334488 (option 2) or email us at hello@kuflink.com.
This company always keeps you updated…
This company always keeps you updated on their offers and services and are very transparent in their operation
23 July 2023
Reply from Kuflink
Thank you very much for taking time to write your review. We are pleased that you find our communication transparent and feel up to date. We hope that your investment journey with Kuflink long continues!
Becoming less attractive
I've liked kuflink for some time but my opinion of them is changing. The staff are still lovely but...
One is that they don't give stats out about their loans such as expected versus actual term on their existing loan book. It may be true that no-one has lost money with them but i have a number of investments with them that have gone bad. A number of those are close to a year in default (on 3 month loans) so they might come good or not, but there's a fine line between writing off the loan and just letting it sit there for ever.
The second is that they're squeezing out small money. No investments under £500 now so you can't reinvest interest until you've accumulated a fair bit. Their excuse is that lots of little loans generate a lot of admin but computer systems don't care about sending 3000 email updates versus 30.
I suspect they want to plug their managed portfolio now that they have institutional investors and will probably go the way of zopa where the good, high return, low risk loans were bought out and my portfolio was shredded
23 July 2023
Reply from Kuflink
Thank you for taking time to write your review and your kind reflection on the staff here at Kuflink.
Your feedback is very important to us and we appreciate the time to leave your comments. Regarding the lack of transparency in Kuflink’s loan statistics - Kuflink is required to comply with certain regulations regarding the disclosure of loan information. However, I understand that you would like more details about your investments and how they are performing. If you haven’t already, I would recommend reaching out to Investor Relations for assistance. They may 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.
Regarding the minimum investment threshold, Kuflink is not alone in raising its minimum investment requirement; several other P2P platforms have also opted to raise their minimum thresholds in recent months due to increased compliance costs in the retail investment space. The higher minimum also means that vulnerable people who either do not understand risks involved or those who should not be placing high risk investments due to lack of funds, will not do so. While it’s understandable that you’re disappointed with these changes, we are required by law to treat all customers the same and fairly.
I hope this helps and 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.
Excellent customer focus.
23 July 2023
Reply from Kuflink
Thank you for your feedback. We are very pleased to be noticed this particular way - Clients have always been our number 1 priority, whether it is queries, helping with investing or, even resolving tech issues. From everyone here at Kuflink, thank you for being a part of our platform!
Always communicating keeping you…
Always communicating keeping you updated with investment, especially when they are having difficulty.
29 June 2023
Reply from Kuflink
Thank you for your very kind review of our service. We are really pleased that you are happy and that you find our communication clear and consistent. We hope your good reflection of Kuflink long continues!
Very good service.No problems.
29 June 2023
Reply from Kuflink
Thanks so much for your review - we are very pleased you found our services good and straight forward! Our friendly team is always happy to assist if need be.
Reply from Kuflink
It is great to hear your feedback! Thank you very much for your kind review and may your relationship with Kuflink long continues.
No defaults to date
I have not yet had a loan that has not been redeemed. Where the lender is struggling Kuflink seems to be able to sort something out with them.
29 June 2023
Reply from Kuflink
Thank you for your kind feedback, it is much appreciated - we will continue to do our utmost to achieve full repayments for all, demonstrated by our zero losses for our investors to date.
The Staff are very friendly and…
The Staff are very friendly and helpfull, they explained everything and made investing with Kufflink very easy and profitable. I only wish you had a fund, that I could invest in , just as and when I had some spare cash. Anyway thanks guys and girls at Kufflink as I now have more money, than I had before.
26 June 2023
Reply from Kuflink
From the entire team here at Kuflink we want to thank you for your review and positive comments - I will be sure to share these with our teams. It is great to hear that you are enjoying our platform and your custom means a lot. May it long continue!
Very happy Investor
Very happy. Return as advertised. Capital returned on anniversary and withdrawal took one day. Will definitely use again.
23 June 2023
Reply from Kuflink
Thank you for your kind feedback - it is much appreciated and we are pleased to hear that you are happy with the service received.
Super Service
Excellent customer service from the staff and a superb website with good products for the customer.
26 June 2023
Unprompted review
Reply from Kuflink
Thank you for your kind review and positive comments. We are pleased to hear that you found our staff helpful and the platform filled with suitable products. We trust that your relationship with Kuflink long continues!
Service great people great company great
20 June 2023
Reply from Kuflink
It is great to see your positive feedback and I will be sure to pass it on to all our departments. Thank you for taking the time to post this review!
Simple easy to handle and kuflink…
Simple easy to handle and kuflink perfom very well
Investing on this site is as easy as that
I think it is great
18 June 2023
Reply from Kuflink
Thank you for your review, it is great to hear that you have enjoyed your experience so far with us and have found the platform easy to navigate. We are pleased that you think highly of us and we hope this continues into the future!
still all good
18 June 2023
Reply from Kuflink
Thank you for your review - we really appreciate the time taken to share your experience with Kuflink so far!
Great support when in need
The investment I had chosen was in default and the company has provided me with the best support I could hope for.
I got daily calls directly from the head of investment to ensure me that they would have helped to solve the case.
A big thank you to the entire team.
I definitely would recommend this service.
19 June 2023
Unprompted review
Reply from Kuflink
Thanks so much for leaving us a review.
Our dedicated team are always on hand to assist with any queries, guidance or concerns you may have. We are pleased to hear that you are greatly satisfied with how your matter was dealt with.
Reply from Kuflink
Thank you for your review, it is great to see that you have enjoyed your experience so far with us, and we hope this continues into the future!
Kuflink suits my needs
As I have said previously, Kuflink is an excellent conduit for investing in the housing build market. No system can be perfect, but I would not use any other company. It suits my needs and has weathered the recent shocks well. I have great confidence in Kuflink.
14 June 2023
Reply from Kuflink
Thank you very much for your review, it is greatly appreciated.
If you ever wish to pass on ideas as to how you feel some improvements could be made then please do send an email to our Investor Relations team via hello@kuflink.com. We value all feedback provided, and implement changes where possible!
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