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As a lender can I hold my P2P loans in an ISA? While you’re looking for a peer to peer funding platform to use, there are plenty of things to consider. Bear in mind the following when making your decision: Focus on the platform, rather than the loan. P2P lending is one of the less time-consuming investment options. If you’re looking for good returns for minimum effort, opt for platforms that take care of your investments behind the scenes. Diversify your investment.