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
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Review summary
Created with AI, based on recent reviews
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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 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
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Hi peter just saying 10/10 Keep it up…
Hi peter just saying 10/10 Keep it up 4 years good.
13 June 2023
Reply from Kuflink
Thank you very much for your review, we are over the moon to see lots of positive feedback from our clients! May your reflection of Kuflink long continues.
Responded promptly to my request
13 June 2023
Reply from Kuflink
Thank you for your kind review. We are pleased to hear that your query was promptly resolved -our Investor Relations Team is on hand and happy to assist regarding both -accounts and the platform.
I find the whole experience of dealing…
I find the whole experience of dealing with your company most rewarding. After one complete year of using your investment platform I have had no issues at all. I find you very efficient, informative and professional in your approach and I would recommend you to anybody wishing to invest in your company
8 June 2023
Reply from Kuflink
Thank you very much for your feedback. We are very pleased that you would recommend Kuflink and that you were happy with the service that you have received. From everyone here at Kuflink, thank you.
repayments of my loans have been…
repayments of my loans have been delayed again and again since May. I have at least 3 loans matured since May but non of them have been repaid. this morning I received another annoying loan extension letter. really don't know what happened to this company, why so many loans have been delayed
12 June 2023
Unprompted review
Reply from Kuflink
Hello,
We understand the frustrations that you may feel due to the recent re-terms.
The nature of peer-to-peer lending does mean you are directly lending to the borrower, where we initiate the loan following the necessary checks. Re-terms of any loans are considered by our underwriting team and decided in the best interests of both our borrowers and lenders. If a borrower is unable to repay their loan in full by their agreed loan end date, we will work with them to agree on a best solution for all parties concerned. We always strive to ensure full repayment of loans are received, demonstrated by our zero losses for investors to date.
We recently sent out an email to all of our investors to address these concerns, please do email us on hello@kuflink.com if you would like another copy.
I got back what was projected a year…
I got back what was projected a year ago. The transfer of money went well.
7 June 2023
Reply from Kuflink
Thank you for your kind feedback. We are very pleased that you are happy with the service that you have received and may it long continues!
Such a good feeling when you get paid…
Such a good feeling when you get paid back!
Thanks once again Kuflink!
21 May 2023
Reply from Kuflink
From the entire team here at Kuflink, thank you for your review. We are pleased that your deal has repaid successfully and may your relationship with Kuflink long continues!
Happy so far!
Happy so far. On-boarding process was simple and received a follow up call to address any questions that I had. I've started to invest in manual select loans and whilst the interface takes some time to get used to - it does the job. I like the fact that you can invest small amounts and can easily diversify. The auto market does not appeal to me as their is no exit route via the secondary market (so either 1,3 or 5 year term only) and the standard rates are not that attractive. (although there is a promo currently in place) . The mobile app needs improvement though; currently it seems to just direct you to the website and no options to even remember the logon details or use biometric etc. I recently contacted customer service about the interest rate which was not showing on my loan agreements. I received a quick reply saying it would be looked into. I didn't receive any update other than a link to this survey. I just checked and it seems to have been resolved. Time can only tell on how good Kuflink are with completing and paying loans.
30 May 2023
Reply from Kuflink
Thank you very much for your review and especially for taking the time to leave all your feedback -we really appreciate it. Our Tech Team always looks into improving both our website and mobile apps and release updates periodically into an App Store. We will be sure to pass your suggestions onto the Internal Team. Should you require any further assistance regarding the issue you mentioned then please do not hesitate to contact our Investor Relations Team via hello@kuflink.com or on 01474334488 (option 2) who will sure be able to help.
Highly impressed
I have been investing with Kuflink only for a few months, but, in that time, have asked for advice and assistance several times. I have found them exceptionally helpful, attentive, responsive...and patient...and, so, am very impressed. I intend to invest the whole of the current year's ISA allowance with them shortly.
2 June 2023
Unprompted review
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. From everyone here at Kuflink, thank you.
Kuflink service
I have been using Kuflink and I am very satisfied as they are very reliable in terms of dishing out the profit on time. I would rate it nearly a 5 star.
The only suggestion that I have for Kuflink CEO is that, those who fail to return the loan in time to Kuflink, some penalty should be imposed on them. After all, once we borrow money from bank or any other source, we are penalised for missing payments so why are the borrowers exempted.
1 June 2023
Unprompted review
Reply from Kuflink
Thank you for your review. We are really pleased that you are happy with our services and find Kuflink reliable. Your feedback is much appreciated! Indeed we have a system in place for any missed payments and defaulted loans and you can read about it in our terms and conditions (Part 1, Point 11). Should you wish to discuss this further then please contact our Investor Relations team via hello@kuflink.com or on 01474334488 (option 2).
Don’t invest with this company
Don’t invest with this company. I made an investment and the expected end date of the deal was at the beginning of May. I made other plans with my money only to be told mid May that the end date has now moved 6 months on and that my money would not be available until November. After pleading with management to find a way to release my investment so that I can honour the offer for a purchase of a property for me to live in, they simply refused and said they can’t approve the request. I’m now stuck in the most difficult situation and they are not at all interested in the problem they have created for me
2 May 2023
Unprompted review
Reply from Kuflink
Hello,
We deal with each request to release funds on a case by case basis, which is always reviewed by management at their discretion.
The nature of peer-to-peer lending does mean you are directly lending to the borrower, where we initiate the loan following the necessary checks. Re-terms of any loans are considered by our expert team and decided in the best interests of both our borrowers and lenders. If a borrower is unable to repay their loan in full by their agreed loan end date, we will work with them to agree on a best solution for all parties concerned. We always strive to ensure full repayment of loans are received, demonstrated by our zero losses for investors to date.
Please view Part 1, sections 11 and 12 of our T&Cs which covers missed payments, defaulted loans, and enforcement of security for further clarity on our practice.
I know that we have discussed your matter confidentially and if you require any more assistance please do reach back out to the team.
With patience all investments are…
With patience all investments are coming to fruition, well done done Kuflink
25 May 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.
Borrowers Steer Clear
As a borrower, I would steer very clear of Kuflink. There are far more established and professional lenders who do act with risk to their stakeholders. When they have the opportunity to extort borrowers they grab it as this is clearly where they make more profit. They have built cynical reputation capital in order to keep investors happy but borrowers beware if you need to re-term, the FCA guidelines of conduct go out of the window and there is no recourse for you with this unregulated loan, you are at the mercy of their erratic and inconsistent behaviour. After a deep search of their marketing plan and companies house documents, I wish I had looked at this sooner rather than taking the advice of a broker. It is clearly stated by EY in their uploaded document they act without compliance or governance and pose a risk to their stakeholders.
22 May 2023
Unprompted review
Reply from Kuflink
Hello Linzi,
We are sorry to see the comments left in this review reflecting on your recent frustrations with Kuflink.
We are aware that this matter is already being dealt with internally, and to protect yourself, and adhere to GDPR rules, we are unable to comment much further as a response to this review.
Please continue to liaise with your designated contact who will do their utmost to work with you towards the best outcome possible.
No issues with Kuflink as a reputable…
No issues with Kuflink as a reputable Peer 2 Peer lender. Reducing exposure to P2P in general as extensions too commonplace for current loans and can be as lengthy as 6 months. Not ideal when loans are initially for 12 months. Kuflink very good at crediting funds when requested and keep lenders informed about loans.
23 May 2023
Reply from Kuflink
Thank you for your review, we really appreciate the time taken to leave this.
Please note, with our Select-Invest product you can sell your investment(s) on the Secondary Market for a 0.25% sellers fee per loan if they fit our selling criteria. You can also utilise our Auto/Auto IF-ISA products where your investment will be tied in for a fixed term out of your choice being 1, 3 or 5 years to which on maturity you can instruct a repayment or roll it over for a further period.
If you wish to discuss your options further please do feel free to reach out to our Investor Relations team who will be more than happy to help!
I have used Kuflink for nearly three…
I have used Kuflink for nearly three years now. In previous reviews i have always given five stars. I remain happy with Kuflink on the whole but have one reservation currently, namely that very few of my loans have matured on the anticipated date. This may not be a problem for some people but has has become an issue for me from time to time. I have also had one client default though i do not as yet know if this will involve any loss of capital.
23 May 2023
Reply from Kuflink
Thank you for your review, we will be more than happy to discuss this in further detail with you if you wish to reach out to our team however, Part 1 Sections 11 and 12 of our T&Cs may help provide a better understanding of what happens in the cases of missed payments, defaulted loans and enforcement of security.
We are happy to confirm that no investors have lost a penny on our platform to date, and we will continue to do our utmost to achieve full repayments for all.
I've been a lender for many years but…
I've been a lender for many years but will withdraw all my money after seeing how they treat their borrowers as described on the p2p forum.
Delaying repayment of our loans to enrich themselves is wholly unacceptable and morally bankrupt behaviour.
27 May 2023
Unprompted review
Reply from Kuflink
Hello,
In response to the forum discussion, an update has been provided which I have pasted below for your reference:
We would like to highlight that we are not able to go into detail regarding individual loans. Being FCA regulated we have guidelines and policies we must adhere to and will always stick to these protocols.
We appreciate that external market factors have affected a lot of our borrowers, which unfortunately we have had no control over. Despite this, here at Kuflink we always maintain a high level of communication with all our borrowers whilst ensuring we are Treating Customers Fairly, which is one of the key fundamentals of the FCA. This applies across the business and is upheld. Please remember we have a lot of happy borrowers and investors, and we understand this may not be the case for all. We will always do our utmost to achieve the best outcome for all parties involved.
We only deal directly and confidentially with the borrower due to GDPR. However, for our investors, we will be happy to answer any queries where possible (without breaking GDPR) that you may have. You can reach our Investor Relations team by calling 01474 33 44 88 (Option 2), starting a live chat, filling out a form on our contact us page, or emailing hello@kuflink.com.
Top Class Service
Always keep up to date with projects and fast to send Cash through very efficient
21 May 2023
Reply from Kuflink
Thanks so much for your review, it is much appreciated - we will continue to keep you updated throughout your loan terms and whenever we can help please feel free to reach out to our team!
Easy to use platform & great…
Easy to use platform & great communication from the team @ Kuflink.
21 May 2023
Reply from Kuflink
Thank you for your review, it is great to see your positive feedback and that you have enjoyed your experience so far with us!
Prompt and upfront with updates
24 May 2023
Reply from Kuflink
From the entire team here at Kuflink, thank you for your review, it is much appreciated!
Kuflink Greatest Team for Investments :)
My Experience Making Great That Kuflink Team Cares About Investors and Customers.
I Started Invest into Kuflink around 2019 or 2020 if I Remember That well :)
As It was Pandemic Moments and I was looking New Opportunities and Learn about Investing. :)
I’m very Happy with Greatest Kuflink Team , Building Trust in Everything with Kuflink :)
23 May 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 3 years + experience so far with Kuflink and hope this long continues.
Ability to fund mortgages is good.
ability to fund mortgages is good.
website difficult to navigate.
23 May 2023
Reply from Kuflink
Thank for taking time to write us a review. We are pleased that you are happy with our products and if you would like to seek assistance navigating our platform then please do feel free to reach out to our Investor Relations Team who are always happy to help. This can be via email at hello@kuflink.com, via phone on 0147434488 (option 2) or, via live chat and contact us form on the website.
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