Join YES-secure.com

Register online to begin lending the smart way! Joining is Quick, Easy, and Free.

Transfer the money into your YES-secure.com account

You transfer money into your YES-secure.com account and it's made available to borrowers at the terms you set. You can lend any amount from £10 to £25,000.

Create your auto-lending portfolio plans or browse through Loan Listings

Create your auto lending portfolio plans or browse through Loan Listings Create an auto lending profile for lending to borrowers by setting your own criteria for lending rates, the duration of your loan offer (from 1 to 5 years) and risk level in A*, A, B, C, D or E markets. Alternatively, you can browse through the loan listings to select the borrowers with requirements which meet your personal investment goals.

Start bidding on the selected Loan Listings

Bid on the loans you like. You bid at your desired interest rate and wait for the bidding to end. If your bid is winning, your money will make up all or a part of the loan to the borrower.

Check My YES-secure for your lending details

You can view your lending details on My Lending page and see how much you've lent through custom lending or auto lending, who's borrowed from you and how much is still available in your account.

How do we make it Safe?

Your money is kept in an Undesignated client Bank A/c with major UK Bank. So, in the unlikely event of YES-secure.com going under, all the money that is not lent is safe with the bank.

Identity and Credit Check - All borrowers are credit - and identity-checked and risk-analysed by professional underwriters. That's how the banks too deal with personal loan applications. To get an understanding of the kind of borrowers you may expect, please take a look at borrowing FAQs.

Legal - YES-secure.com only facilitates the agreements between lenders and borrowers. So even in the case of YES-secure.com going under, your contracts are still legally valid.

Low Bad Debts - The better the Reliability Score the stronger is a borrower's social standing. It means they have a considerable number of identity - and credit-checked connections on YES-secure. This, in turn, is a strong indicator of a good social record in a borrower and hence offers less likelihood of default.

Defaults - In the case of default, a professional debt collection agency would step in and pursue the loan for its lifetime. That's how the banks handle any defaults.

The Benefits

Why lend Money with YES-secure

Safe Investment. All borrowers are credit-checked and risk-analysed by professional underwriters.

High Returns. Get good returns on your investments by diversified lending to all YES-secure markets.

Low bad Debts. You choose the people you lend to from among a community of credit-checked borrowers.

A Feel Good Factor. Instead of making banks 'too big to fail', help ordinary people to get a better rate on your hard-earned money.

Flexible Lending. Lend money directly to people at rate, term and amount that you want.

Defaults Handled by a Professional Debt Collections Agency.

YES-secure Secondary Market

YES-secure has introduced a secondary market to provide sustained support to its primary market and fresh impetus for its growth. Lenders can sell some/all of their loan slices through secondary market to other members and provide enhanced liquidity and investment alternatives on the platform.

Loan slice sellers

Encourages liquidity: Investors can easily generate cash as and when they require by selling their parts of loans to other registered members of YES-secure.

Loans sold at premium or discount: Lenders can set a price for the loan slice(s) of previously disbursed loans at a rate within (–10%) and (+10%) of the balance principal amount for the loan slice.

Transaction fee: A 1% (of selling price) transaction fee is charged to the seller by YES-secure for every loan slice sale; the proceeds of the sale (minus a 1% transaction fee) are added directly to your System Account. The sellers can choose to get their loan parts "featured" on the home page by paying an additional fee of 1% (of selling price). Both the fees are charged only when the loan slice is sold.

Duration of loan slice sale: The duration for which a loan slice can be made available for sale is 3 to 10 days.

Loan slice buyers

Loans offered at premium and discount: Lenders will be able to buy loan part(s) of previously disbursed loans from other lenders at a premium or discount. Lenders can invest in quality loan slices which they might have missed out earlier.

Evaluate a loan through its repayment history: Potential buyers for the loan part(s) will be able to view detailed information about the repayment history of the loan part(s) enabling them to make an informed decision.

Earn interest from day one: As the existing loans part(s) can be transferred within a few minutes, it can start earning you interest with immediate effect unlike initial funding of a loan request.

Build a balanced investment portfolio: Lenders can quickly build themselves an active and risk-diversified portfolio by picking and choosing through different markets, rates and terms