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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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 Service
- Investment Bank
- 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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Busted
UPDATE:
I wrote previously about how things had gone downhill, but that's all redundant in light of the latest developments.
It's evident that the reason they could claim that no investors lost money was because they used new investors' money (including mine) to pay off the defaults on older loans. That is outrageous - nobody would choose to invest in defaulted loans. But that's where the bulk of my money now sits.
The only communication I've had is to admit that they've been done for mis-advertising some of the loans - it's not even clear now if these are secured against property. Interest payments appear to have stopped. Thankfully, so have reinvestment, but then there are no investments available anyway - the platform is moribund.
I don't know how you take a straightforward model of making loans against property, and mess it up so royally. I can only assume that the shareholders are walking away with very fat pockets indeed.
And I see that to add insult to injury, they've injected a bunch of fake reviews on here. Nobody could give them a good review right now - there's been nothing new to invest in for months, and existing investors are failing to get their money back.
So the main crime here is lies. They've lied about loan quality, lied about performance, lied in reviews and lied in replies to reviews. All to cover that the whole thing is a pyramid scheme, where late investors like me bail out early investors until the bubble bursts, which it appears it has.
9 October 2025
Unprompted review
Reply from Kuflink
Hello,
Thank you for taking the time to share your detailed feedback — we really appreciate you highlighting both your concerns and your continued engagement with the platform.
We’d like to reassure you that Kuflink is not running down. The quieter period you’ve noticed is something we tend to experience after the summer months, as the market, and our borrowers, get back into the swing of things. Current availability is often taken up quickly on a first-come, first-served basis, including listings daily on the Secondary Market, where opportunities can sell rapidly. We appreciate this relates to high investor demand right now with lots keen to re-invest wallet funds again to start accruing interest.
All loans both new and existing undergo rigorous underwriting and credit checks, and only those that meet our strict lending criteria are approved. While some loans may be in default, this is not a new development and reflects the ongoing management of a diverse portfolio. Our dedicated Loan Management and Recovery team continues to work to achieve the best possible outcomes for investors, although, as with all P2P investments, returns and timeframes can vary depending on borrower performance.
We understand that recent updates to our Terms and Conditions and repayment structure have prompted questions, but these changes were made to ensure clarity, transparency, and alignment with industry standards - not to alter the underlying nature of your investments.
We truly value your feedback and the trust you’ve placed in us. Your comments are invaluable as we continue to learn, adapt, and improve the investor experience.
Kind regards,
The Kuflink Team
Beware
Since CEO Narinder Khattoare stepped down there have been changes. Fact that smaller amounts could be invested shows want of more investment.
Then we have the change of T's & C's which offer very little support. Slow to reply to emails.
The company has lost direction and with all the defaults in payments showing. Investors are in for a bumpy ride. Seems like a p2p in trouble. My last investment returns came on same day, now i am 5 days in arrears, but interest is still being added.
30 September 2025
Unprompted review
Reply from Kuflink
Hello Ian, thank you for your feedback. We value your comments and understand your recent concerns.
The changes to our Terms & Conditions aim to provide greater transparency around how the platform operates today. While some loans may enter default, this does not mean funds are lost. We will continue recovery efforts and now offer up to 0.25% p.m. default interest during this process as a new addition to support investors. This is for Select-invest loans as well as defaulted loans in our Auto-invest.
We are also working to improve communication and response times although the latter recently depends on amounts of queries our team has been receiving. We aim to respond to everyone so please bear with us.
We appreciate your continued engagement and hope to restore your confidence. If you woud like to speak with our team regarding your concerns, we are happy to assist on 01474334488 (option 2) as well as via email at hello@kuflink.com
Previous good experience, but cautious about recent changes
My wife & I have had investments with Kuflink for a couple of years. Really impressed until recently where there was a very abrupt and quite aggressively handled change to Ts & Cs with little/poor communication and on the back of a management change. Everything may still be fine, but it has made us more cautious about trusting them and we’ve decided not to place any new cash with them and to withdraw funds as the loans mature.
24 September 2025
Unprompted review
Reply from Kuflink
Hello Stephen, Thank you for your review and for being valued investors together with your wife.
We understand your concerns following the recent Terms & Conditions update. The changes were intended to bring clarity and align our model with standard industry practice. Notice was provided via an email sent 14 days in advance as well as a platform prompt, but we appreciate your feedback and are reviewing how we communicate updates going forward.
We are sorry to see you pause investments and hope that our continued performance over time helps rebuild your confidence. Our Investor Relations Team is available via telephone and email if you have any questions. (hello@kuflink.com / 01474334488 (option2))
Doing exactly what a P2P lender should!
Doing exactly what a P2P lender should! - not sure what all the controversy around T&C's are - from what I can see, they now pass on default interest! They've only changed operationally , which is what I have been saying they should do for years! It makes more sense as a business. I still have some loans on default, but nothing has been written off - confident they will collect, even if slightly delayed - its the nature of the beast with property transactions.
15 September 2025
Unprompted review
Reply from Kuflink
Hello Lydia, thank you so much for your kind feedback!
We really appreciate your balanced view and support, especially your understanding of how the platform is evolving.
You are absolutely right that the recent changes aim to better reflect the nature of P2P lending and align operations with long-term sustainability. Passing on default interest where possible, ensuring transparency, and maintaining strong recovery efforts all help us deliver fairer outcomes for investors while reinforcing the real risks and rewards of property-backed lending.
We are pleased to hear your confidence remains strong, even where there have been delays. As you rightly said, defaults and recovery timelines are part of the landscape in this space, but we remain committed to maximising returns for our investors wherever we can.
Thank you again for your continued support! We remain on hand should you require our assistance.
Short notice substantial T&C change…
Short notice substantial T&C change that applies to existing loan holdings. You can't access your account unless you accept it. Convenient removal of banner showing total investor losses. Really Kuflink?
21 September 2025
Unprompted review
Reply from Kuflink
Hello 'Website User', thank you for your feedback.
We appreciate your concerns and want to clarify that notice of the updated Terms & Conditions was given in advance, this was 14 days’ notice via email, followed by an on-screen prompt when logging into the platform. This ensures all investors have the opportunity to review and make an informed decision.
Following comments from our investors regarding not being able to view platform before making a decision, we have added an additional prompt to see account without choosing an option and then log out in order to receive the T&Cs prompt again. We hope that helps!
The new T&C updates were made to better reflect how the platform currently operates and to align with industry standards for transparency. While we have removed the "zero investor losses" banner, this change was made to avoid any unintended implication of a capital guarantee, which has never been part of P2P lending.
Should you have any questions or wish to discuss this further, our Investor Relations Team would be happy to assist via email at hello@kuflink.com or on 01474334488 (option 2).
I WANT monthly interest
I want monthly interest on my money but Kuflink keep reminding me with messages like "We noticed you have selected monthly interest for this deal which equates to 7.2 % per year. If you had selected compound interest you could earn 7.44 % per year."
Then there is an easy to press button that says "EARN UP TO 7.44%"
BEWARE Once you select compounding there is no way to change it back.
‐-------------------
Thank you for your reply I have noted you'll take things forward. But over a year ago this same message above was sent and that was being passed on.
A flag is needed so you know not to pester your client with emails and messages to entice compounding.
When you are retired you need access to your funds and although you might tie your capital up for several years the interest comes as welcome spending money.
This is a genuine request that has been ignored. Do something about it don't just file it in the bin! (or have it deleted from Trustpilot.)
Awaiting action on your part, not just words.
21 September 2025
Unprompted review
Reply from Kuflink
Hello John, thank you for your feedback, it is appreciated, and I will ensure it is shared with the relevant team.
To clarify, if you originally selected monthly interest on a select-invest deal, you should indeed see the option to switch to compound interest via the reminder prompt. However, this is entirely optional and you are under no obligation to change your original selection.
We understand how important flexibility and transparency are to our investors, and we will take your comments onboard as we continue improving our platform.
If you need any further assistance or have additional questions, please do not hesitate to reach out via hello@kuflink.com or by calling our friendly Investor Relations Team on 01474334488 (option 2).
Concerned about defaults and worse terms
I've been an investor since 2021. Apart from some lengthy delays on some "Select" loans all has gone well. Must admit to some anxiety about possible future losses as I look at the current amount of defaults included in my Auto IFISA's. Anxiety levels not helped by the recent introduction of new terms indicating no "skin in the game" by Kuflink on new loans. Also the apparent disappearance of the "Zero investor losses so far" claim.
11 September 2025
Unprompted review
Reply from Kuflink
Thank you for your feedback, Peter, we understand your concerns.
While defaults are a normal part of P2P lending, we have a dedicated team working on recoveries, and many loans in default still return capital over time.
The recent terms update reflects a shift toward industry standard practices and transparency over how our platform operates today. Removing Kuflink’s fixed 5% contribution allows us to focus more on strong due diligence and active loan monitoring, which ultimately benefits all investors. Please note that the 'first loss cover" was something that we have removed back in 2019 however we continued to cover any defaults until this point. We now also pass on to our investors a proportion of the default interest when we charge our Borrower.
We appreciate your continued support and are here on hello@kuflink.com or 01474334488 - if you would like to discuss any of your queries further.
Changes in the investor terms
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 funds etc . The default rate is steadily increasing. The note saying investor losses to date 0 has disappeared for the 2nd time. If this was 0 before because of the coverage of the shortfalls by company funds, we perhaps can expect it to be more than 0 from now onwards! Ominous signs & do regret having extended my investments with these guys towards the middle of this year.
10 September 2025
Unprompted review
Reply from Kuflink
Hello Sid, Thank you for sharing your feedback. We understand your concerns, and appreciate you taking the time to express them.
Our recent updates were made to ensure long-term sustainability and transparency, aligning more closely with wider industry standards. While we have historically supported investors during defaults, the revised approach more clearly reflects the real risk and return profile of peer-to-peer lending.
We remain fully committed to responsible lending, active loan monitoring, and keeping our investors informed every step of the way. Please be assured that even in challenging market conditions, our team continues to work diligently on recovering defaulted funds and striving for the best possible outcomes for all investors. In many cases, recoveries are made successfully, even though sometimes this is over a longer timeframe than expected.
If you have any questions or would like to discuss your concerns further, our Investor Relations team is available via email hello@kuflink.com and phone on 01474 334488.
Still waiting after two and a half years
I invested regularly with Kuflink until one of my investments didn't pay out. It's now over two and a half years overdue so don't believe all that you read.
5 September 2025
Unprompted review
Reply from Kuflink
Thank you for taking the time to leave us a review, Paul.
We appreciate your feedback and understand that delays can be frustrating. However, please be assured that Kuflink remains actively engaged in recovering funds from the specific loan you have referenced. As detailed in our regular loan updates, every action taken has been in pursuit of securing the best outcome for our investors, even though recovery is taking longer than expected due to complex legal or financial proceedings.
What is worth noting is that more than 60 of your other investments have already repaid successfully, demonstrating the strength and reliability of our broader portfolio. The case in question is the exception, not the rule, and we remain committed to seeing it through.
If you have any questions or would like to speak to someone directly, please do not hesitate to reach out to our Investor Relations Team on 01474334488 or at hello@kuflink.com
Been a good investment so far!
Provided a lot of information prior to investing and regular updates of any delays to getting the interest returned. Always provided the funds and interest back so far :)
2 September 2025
Unprompted review
Reply from Kuflink
Thank you for your kind feedback, Tom. We’re really pleased to hear that your experience with Kuflink has been a positive one so far!
It is great to know the updates and information have been helpful, and we appreciate your continued trust.
If there is ever anything you need, please feel free to reach out.
Good for you Kuflink
Received the most wonderful service and felt so supported by a representative of this company. This company was recommended to me by a relative and I in turn would certainly recommend them. So wonderful to have someone to talk to directly and help me through some techy stuff beyond my own knowledge. Thanks for your patience with me. In a world where people have little time to help each other, this whole experience was carried out calmly and was very helpful.
15 August 2025
Unprompted review
Reply from Kuflink
Thank you so much for your kind and thoughtful feedback, Dot. It truly means a lot to us.
We are delighted to hear that you felt supported and well looked after. It is always our aim to provide a personal and patient service, especially when it comes to helping clients navigate areas that can sometimes feel a little overwhelming.
Please do not hesitate to reach out if you ever need anything further -we are always here to help.
Good Investment Platform
I have used Kufflink for almost 2 years and everything has gone smoothly so far. Sevetal of my investments have been paid back in full and all interest payments have been made on time. My main criticism is that the website interface is a bit clunky and it is not always easy to find the link to new investment opportunities. I use the self invest option which works well for me
14 August 2025
Unprompted review
Reply from Kuflink
Hello Mark, Thank you for taking the time to share your feedback and for being with Kuflink for almost two years. We are really pleased to hear that your investments and interest payments have been smooth and timely, and that the self-invest option is working well for you.
I also appreciate your comments about the website interface and the ease of finding new investment opportunities. The Select/SelectIF-ISA tab is always located on the top of the screen, next to the Auto/AutoIF-ISA however, if at any time in future this is not the case then you are welcome to send us a screenshot to hello@kuflink.com and we will ensure that our Tech Team investigate.
Your feedback is valuable, and I will ensure it is passed on to our team for review as we continue working on improvements.
Easy to use platform with no hassle
Easy to use platform with no hassle.
I have been investing with Kufflink for about 7 years. It’s not the easiest to understand platform as there are a lot of options but it’s doable.
So far have had no bad debts and feel confident using this platform. As ever it’s important to diversify investment both on the platform and using others p2p organisations to help mitigate risk.
13 August 2025
Unprompted review
Reply from Kuflink
Hello Philip,
We are delighted to hear you have had no bad debts and that you feel confident using the platform. It is great to know that our range of investment options works for you, even if it takes a little time to get familiar with them.
We appreciate your note about diversification, both within Kuflink and across other P2P platforms, as it is a valuable approach to mitigating risk. Your feedback on the platform’s ease of use is important to us, and we will continue working on ways to make navigation and understanding our products as clear as possible.
You are welcome to email any suggestions to hello@kuflink.com
Thank you again for your trust and loyalty over the years.
Easy to use, good returns
Easy to use. Full explanatons of where your investment is going. Regular updates on state of individual investments.
11 August 2025
Unprompted review
Reply from Kuflink
Thank you for your wonderful feedback!
Hello Ed, We are so pleased to hear that you find Kuflink easy to use, and that the explanations and regular updates help you feel informed about your investments. Our aim is to give investors clear insight into where their money is going and how it is performing, so it is great to know this is working well for you.
We truly appreciate you taking the time to share your experience with us. Best wishes!
Regular availability of investment…
Regular availability of investment opportunities- always update if any changes to terms of loans - good investment returns .
7 August 2025
Unprompted review
Reply from Kuflink
Hello Joe,
Thank you for your kind feedback!
We are pleased to hear that you value the regular availability of investment opportunities on our platform. Keeping our investors updated on any changes to loan terms is a priority for us, so it is great to know this is recognised and appreciated.
It is also wonderful to hear that you are happy with your investment returns.
We truly appreciate you taking the time to share your experience and should you require any assistance then please do get in touch with our team at hello@kuflink.com
Good investment but frustrating login
Very smooth process and good returns! There are quite a few investments that get delayed and can take up to a year to get paid back, but it’s part of the risk. The login experience is a bit frustrating as I keep getting logged out of the app so it does make it a bit slower to check my investments.
21 June 2025
Unprompted review
Reply from Kuflink
Thank you, Chloe, for your feedback and for taking the time to share your experience with us.
We are delighted to hear that you found the investment process smooth and are pleased with the returns. We appreciate your understanding regarding the occasional delays in repayments -as you rightly noted, while they are part of the investment risk, we always aim to minimise them wherever possible.
We’re also sorry to hear about the frustration caused by the app’s login process. We understand how inconvenient it can be to repeatedly log in, especially when you want quick access to your investments. Please rest assured that your comments have been passed on to our Technical Team, who are actively working to enhance the user experience, including session stability in the app.
Your input is invaluable in helping us improve, and we really appreciate your continued support.
Excellent risk assessment
I have always found their risk assessment, and customer service excellent. I fully recommend.
14 June 2025
Unprompted review
Reply from Kuflink
On behalf of everyone here at Kuflink, thank you for your review.
We are really pleased that you are happy with the service that you received from us. We pride ourselves on our customer service and it is amazing to hear that we have met your expectations and that you would also recommend us.
If you require further guidance please reach out to the Investor Relations team via hello@kuflink.com, or by calling 01474 33 44 88 (Option 2)
Thank you.
I have invested with Kuflink for more…
I have invested with Kuflink for more than 5 years and have been 100% satisfied with the results.
I now hold about 20% of my savings in Kuflink loans. I find the website easy to use but from time to time have needed to speak directly to the team and here I find a level of service that I can only describe as excellent. All calls have been answered without delay and referred to the right person, usually Lisa Holmes, who has dealt with all my queries and arrangements to my complete satisfaction. As things stand I am more than satisfied as an investor with this platform.
27 April 2025
Unprompted review
Reply from Kuflink
Thank you for you 5 star review Andrew.
We are all pleased to hear that you are a satisfied investor and that all your queries have been dealt to your satisfaction. We pride ourselves on our customer service here at Kuflink, so your feedback is very much appreciated.
I will pass on your comments to our Investor Relations Team.
Thank you once again from everyone here at Kuflink.
Very poor when it comes to fairness
Very poor when it comes to fairness , I’ve been asked to review Kuflink again on a link from Kuflink .
I have previously reviewed this companies poor updates on Stratford Rd , they didn’t like my fair review .
I suppose when they complain to trustpilot again I will be asked to remove my review .
Shambolic company .
1 April 2025
Unprompted review
Reply from Kuflink
Hi Stuart,
Thank you for sharing your feedback - we understand your concerns and take all reviews seriously.
Please note that Trustpilot has measures in place to filter repetitive or duplicate reviews. We encourage honest reviews to help improve our services and value your input.
We strive to improve and provide better experiences for all of our customers and I will be in touch today to hopefully resolve your issues.
Best wishes,
Lisa - Kuflink's IR Team
Too many cluttered windows…
Too many cluttered windows superimposing on for example 'Log Out'
4 March 2025
Unprompted review
Reply from Kuflink
Hello Gordon,
I am sorry to see that you are finding it difficult to navigate your way around our platform.
I believe that the window you are referring to is our live chat, and can also be connected to your zoom settings on your device. Please simply click the X button on the live chat pop up and you will be able to access all of the side menu, including the log out button.
If you require further guidance please reach out to the Investor Relations team via hello@kuflink.com, or by calling 01474 33 44 88 (Option 2)
The Kuflink Team
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