IFISA

Earn tax-free interest with our IFISA

Our Innovative Finance ISA (IFISA) enables you to use your annual Individual Savings Account (ISA) allowance to earn tax-free interest.

Receive monthly tax-free interest of typically 6.5% p.a.
Invest your full 2021/22 ISA allowance of £20,000
Transfer your existing ISAs
Secured against UK property
No IFSA fees (secondary market fees apply if you wish to exit your loan investment early)

What you should know about IFISA

The IFISA acts as a ‘wrapper’ around your FOLK2FOLK loan investment so that the interest arising is tax-free. You can choose whether to lend inside or outside of the IFISA tax wrapper (or both) but there is a limit to how much new ISA money you can lend within the IFISA each year.

Before you can benefit from our IFISA you must first register as a FOLK2FOLK Investor and ensure you familiarise yourself with secured lending.

The risks of IFISA

IFISAs are not the same as cash ISAs. The risk of investing through a peer to peer platform is higher. Read more.

The IFISA timeline

How long does it take to begin earning tax-free? read more.

How to access your IFISA investment money

What are your options and how to retain your tax-free status.
Read more

FAQs

For other frequently asked questions, click here to read more.

Are you eligible?

You are registered as a FOLK2FOLK Investor
You are resident in the UK and tax resident
You have not funded any other ISA type investments this current tax year (only applicable if you’re funding the IFISA with new money)
You are 18 years old or over

Lender & ISA Guide

Before investing in a loan via FOLK2FOLK read our Lender & IFISA Guide and our Terms & Conditions.

Download now

Important Information: Your capital is at risk and is not protected under the Financial Services Compensation Scheme. FOLK2FOLK Limited is authorised and regulated by the Financial Conduct Authority (FRN 720867). Company Registration No. 08178576. Our registered office address is NUMBER ONE Business Centre, Western Road, Launceston, Cornwall, PL15 7FJ.

Your property against which the loan is secured could be at risk if you don’t meet payments. FOLK2FOLK Limited is authorised and regulated by the Financial Conduct Authority (FRN 720867). Company Registration No. 08178576. Our registered office address is NUMBER ONE Business Centre, Western Road, Launceston, Cornwall, PL15 7FJ.