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 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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Investing in Kuflink
My wife and I have been with Kuflink since 2017. It was a great company to start with but has disappointed us since the start of Covid. Briefly, 100% of my Active Select investments have defaulted, some repayments over 3 years late (as are my wife's).
91% of my Select Investment ISA's have defaulted (my wife's 87%) again, some over 3 years since repayment was due. Accrued interest in both are unavailable until the loan is repaid. This means it can not be used to reinvest and whilst there, it does not earn interest in its own right. As mentioned above, some interest has been accumulating over 3 years.
Are we still investing in Kuflink. Yes we are but not directly into loans. We learnt the hard way. We only invest in Auto Invest ISA's where we are certain of getting our investment back on a definate date or reinvest as we decide.
19 February 2025
Unprompted review
Reply from Kuflink
Hi Peter,
Thank you for leaving your review.
Firstly we recognise that you have been a valued investor of ours for many years now, and although I understand you are frustrated I am pleased to see that you still invest with us and have found the appropriate product for you and your wife.
We are working closely with our borrowers to achieve exits, resulting in full capital repayments for all affected loans and this will always be one of our main focuses, whilst keeping investors updated throughout. Extensions can happen when investing in P2P loans however, besides these remaining loans within your portfolio, it is important to highlight that you have also had many loan repayments.
Our Auto and Auto IF-ISA product does offer a fixed term product and to date apart from a small period during Covid-19, capital and interest has been repaid on time.
We hope your experience improves as and when there are further successful redemptions and in the meantime if you need any assistance from the Investor Relations team they are on hand to help.
Best wishes,
Kuflink
Changed my 5* perception in last two months
I previously wrote Kuflink a 5* review on here but I feel they have wasted my time in the last two months by keeping telling me that better deals were in the pipeline. Three came up in this whole time, one great one I missed because it was up for mere minutes and I wasn't receiving notifications but the other two mediocre deals my notifications were on for but I never got the heads up (I reported this but didn't get a response). In the end I decided to cut my (interest/profit) losses and withdraw all my money and, to add insult to injury, Kuflink are holding it up for no good reason!! There are definitely better P2P lenders out there now if you just do your research.
9 February 2025
Unprompted review
Reply from Kuflink
Thank you for your review.
We have had many conversations with yourself around your concerns with the higher interest rate availability and fully take onboard your feedback.
As we have mentioned, there are always plenty of deals in the pipeline and the rates will fluctuate dependent on the investment opportunity itself. Availability has been added to the platform however, due to keen investors, these have at times been fully funded quickly, which we know it can be frustrating when not everyone manages to invest.
You had previously opted out of any contact regarding new deal opportunities so we resolved this for you by resubscribing upon your request. We are pleased that you now receive the relevant notifications.
Withdrawals typically take 1-2 working days to be processed, with our T&Cs stating up to 5 working days. As we discussed on our call your withdrawal was in process, and I am aware that this completed on the same day.
We are saddened that you feel you had to withdraw from our platform, and look for alternative investments elsewhere but hope that you will keep an eye on our future availability and make an informed investment decision that works for you.
As always Investor Relations are on hand to assist with any questions or concerns you may have.
Best wishes,
The Kuflink Team
Kuflink is still king
Kuflink still has the biggest allocation of funds (19%) of my total P2P investments portfolio. Kuflink is a favourite, one of my top perfoming platforms out of eleven different P2P companies I'm currently investing with. I've been a lender with Kuflink for 4½ years, since September 2020. My last Kuflink 5 stars review was in September 2021. I would've also given them 5 star reviews in 2022, 2023, 2024. And they've started well in 2025.
Keep up the good work Kuflink !
9 February 2025
Unprompted review
Reply from Kuflink
Thank your fantastic review!
We are really pleased that you are investing with us and that we are one of your favourites!
Once again thank you from everyone here at Kuflink.
A great company with a great product…
A great company with a great product easily accessible through their portal. Customer service is excellent … not much more to say apart from, thank you for your recent help on a small investment.
23 January 2025
Unprompted review
Reply from Kuflink
Thank you for leaving us a 5 star review, we really appreciate it. We pride ourselves on our customer service and it is great to hear that you found our services excellent.
If require any further assistance please get in contact via our email hello@kuflink.com, through our Live Chat or by calling us on 01474334488 (option 2) we are always happy to help.
I will pass your comments onto our Investor Relations Team, once again thank you.
Very prompt reply and action to my…
Very prompt reply and action to my query on change of address.
Good to know they are ready and able to attend to their customers unlike many companies these days.
27 November 2024
Unprompted review
Reply from Kuflink
Hello, It is really great to know that you are happy with the service that you received from us. Here at Kuflink, we pride ourselves on our Customer Service and I will pass on your comments to the Investor Relations Team. Thank you for your review, we really appreciate it.
Positive discussion with a service…
Positive discussion with a service agent regarding an investment
29 October 2024
Unprompted review
Reply from Kuflink
Thank you for taking the time to leave us a review, we really appreciate it! We are pleased that you had a positive discussion in regards to an investment.
If you need to talk to our team for any future enquiries you can also email us at hello@kuflink.com or by calling us on 01474334488 (option 2).
From everyone here at Kuflink, thank you.
Opaque Website
This is the most opaque website I have ever encountered. Procedures are obscure and very poorly explained within the website, and I have simply given up attempting to get replies to specific queries either by e-mail or telephone. I intend to just ride out the three year period for which my investment is tied up, and then instruct the company to transfer the value at that time within it's ISA wrapper to a more user friendly ISA operator.
2 September 2024
Unprompted review
Reply from Kuflink
Hello Mr Wilson,
We are sorry that you have had issues with our website and our ISA process. Our team are always happy to guide investors and answer any questions. We cannot find any records of you on our system and would like to discuss this review with you further. Please can you contact our Investor Relations team via hello@kuflink.com or call us on 01474 334488 (option 2) please note that our office opening times are Monday to Friday 9am - 5:30pm.
We look forward to speaking with you.
Reply from Kuflink
We are really pleased that you found our ISA transfer process quick, smooth and easy. Thank you for taking the time to leave us a review, we really appreciate it. If you need to talk to our team for any future enquiries please email us at hello@kuflink.com or by calling us on 01474334488 (option 2).
Ease of use of app
7 July 2024
Reply from Kuflink
Thank you for your review and for awarding us 5 stars, we really appreciate it. We are really pleased that you found our app easy to use.
Withdrawals
I was able to withdraw my funds successfully in a very short time and will now happily reinvest them in a Kuflink IFISA.
9 July 2024
Reply from Kuflink
Thank you for your review. We are really pleased that you are happy with the service that we provided. It is also great to know that you will reinvest with us, thank you.
It's a good pier to pier lending…
It's a good pier to pier lending platform. Comparatively good returns.
27 June 2024
Reply from Kuflink
Thank you for your review, we are pleased that you like our lending platform and returns.
If you have any questions please feel free to contact the Investor Relations Team on 01474334488 or via hello@kuflink.com where our team will be happy to assist you.
Excellent Customer Service
Great experience in transferring my ISA. Peace of mind. Excellent customer service. Efficient and helpful.
Hopefully, it is a great start investing at Kuflink.
28 June 2024
Unprompted review
Reply from Kuflink
Hello, Thank you so much for your review and for giving us 5 stars, we really appreciate it. Here at Kuflink we take pride in our customer service so it is really great to know that we met your expectations.
If you do need to speak to our team please contact our Investor Relations Team on 01474334488 or via hello@kuflink.com.
Been investing with kuflink for a few…
Been investing with kuflink for a few yrs now and apart from some loans running over, which can get a bit annoying, everything else seems to be OK. Rates are pretty decent atm and I've been increasing my investment to reflect this, let's hope they don't push them down too far, if the BOE base rate starts dropping. No complaints atm...
14 June 2024
Reply from Kuflink
Thank you for your review. We are really pleased that you are happy with the service you have received from us.
In regards to some of the loans over running, 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. Due to this extensions can be expected, we do thank you for your patience.
Our friendly team is always happy to assist if need be, please do reach out with any website queries that you may have by emailing us at hello@kuflink.com or by calling us on 01474334488 (option 2).
We value your input and appreciate your ongoing support.
Easy to use platform
Easy to use platform, good for beginners. Good customer service, no question seem too silly
8 June 2024
Reply from Kuflink
Thank you for your review. We are really pleased that you found our platform easy to use. We also pride ourselves on our customer service so to hear that it met your expectations is great to hear. Once again thank you for your positive review.
Good online support
Quick, clear and helpful response to my query via the online Chat.
11 June 2024
Unprompted review
Reply from Kuflink
At Kuflink we pride ourselves on our customer service and we are really pleased that we have met your expectations. Thank you for taking the time to write us a review, we really appreciate it.
Reply from Kuflink
Thank you for your review, we really appreciate it. we are really pleased that you are happy with the service that we have provided. If you do need to speak to our team please contact our Investor Relations Team on 01474334488 or via hello@kuflink.com.
Good, reliable service
I received very prompt and efficient service from Kuflink in the repayment of capital with interest. It took me a while to work out how to use the website with its various options for investing, but they also have a helpful telephone advice service that answers promptly.
1 June 2024
Reply from Kuflink
Hello David, Thanks so much for your review - we are very pleased you found our services being 5 stars and positive! Our friendly team is always happy to assist if need be, please do reach out with any website queries that you may have by emailing us at hello@kuflink.com or by calling us on 01474334488 (option 2). We value your input and appreciate your ongoing support.
Whenever I have contact with the…
Whenever I have contact with the Kufflink team I am greeted with courtesy.I receive clear advice given in a friendly manner.
1 June 2024
Reply from Kuflink
Thank you for your review. We are pleased that we have met your expectations when contacting the team. Once again from all the team here at Kuflink, thank you.
Overall very impressed with the…
Overall very impressed with the service. Easy to use,very helpful staff a phone call away. Will definitely use their services again
30 May 2024
Reply from Kuflink
Thank you for your review, we really appreciate it. Our team is committed to offering the best experience possible, and it's rewarding to know we have met your expectations. We are also pleased to hear that you will be using our services again, thank you.
I didn't know much about investment but…
I didn't know much about investment but I wanted to try. After much research I decided to invest with Kuflinks out of curiousity. However, so far so good.
16 May 2024
Reply from Kuflink
From everyone here at Kuflink, thank you for your review. We are really pleased that you are happy with the service that Kuflink provides. Should you require any assistance then please feel free to contact your Investor Relations Team on 01474334488 or via hello@kuflink.com.
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