I love the concept of this charity and plan to provide a further ‘loan’ (which I fully expect to be recycled ad infinitum). I particularly like how many women are being supported in their endeavours a... Toon meer
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It is good work, but the financial processing of loans are a complete black box. I have seen several repayments experiencing a huge slash due to "currency fluctuations" etc.. If we can be provided det... Toon meer
Bedrijf heeft geantwoord
I recently joined and started lending. It seems a great project. Having read a little about the loans I’m disappointed that there is interest paid by the borrowers. I’m also confused by the repayment... Toon meer
Bedrijf heeft geantwoord
I much prefer microfinancing through Lendwithcare than donating to very large charities. I love that for the price of a takeaway, I can help someone to stand up on their own two feet, with dignity and... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
Microfinance from CARE International UK. Make a loan, change a life.
Contactgegevens
CARE International UK, 1 St. John's Lane, EC1M 4AR, London, Verenigd Koninkrijk
- 020 7091 6100
- info@lendwithcare.org
- lendwithcare.org
4,2
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88 reviews
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Great concept - even a small amount makes a big difference
I love the concept of this charity and plan to provide a further ‘loan’ (which I fully expect to be recycled ad infinitum). I particularly like how many women are being supported in their endeavours and will continue to support this charity rather than many of the huge charities who pay chief executives vast sums and who, if you make the mistake of paying by standing order, will use the money I’ve given them to ring me asking for an increase in my donation (resulting in it being cancelled altogether as that wasn’t how I expected my donations to be used!). Ground roots, local and practical help seems to me to be far more effective. I’m a big fan of this charity and love the idea that my money goes on working to improve lives long after I’ve forgotten I gave it!
13 oktober 2026
Review zonder uitnodiging
Would be better with additional transparency
It is good work, but the financial processing of loans are a complete black box. I have seen several repayments experiencing a huge slash due to "currency fluctuations" etc.. If we can be provided details into the Forex and transfer process, more trust can certainly be earned.
15 september 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thanks for taking the time to leave a review Ethan. We are a small team here at Lendwithcare, and we geneuinely make an effort to be fully transparent. However, there are many complexities that underpin Lendwithcare, and it can be a challenge to present the relevant information in a way that doesn't cause overwhelm for the vast majority. We do understand that it is important to share the detail though, especially for lenders such as yourself looking for this. We published a blog about foreign exchange, which should answer all of your questions. This is important feedback though, and we will endeavour to find ways to address key points such as this on a more regular basis. For your reference (and the reference of others looking into Lendwithcare) the blog is available here: https://lendwithcare.org/news/post/ZQG1RhEAACEARTYe.
The website gives the strong impression…
The website gives the strong impression that you are directly helping a specific person obtain a small loan to improve their business and living conditions. You see their photo, their story, a funding percentage and messages such as “will you help them reach their target?”
However, the actual financial arrangement is considerably different and, in my opinion, should be made much clearer before someone clicks “Lend”.
Your money is provided interest-free to a local microfinance partner. That institution lends to the entrepreneur and may charge them interest. Some loans may even have already been disbursed before lenders on Lendwithcare fund them, meaning your money can effectively reimburse the financial institution for capital it has already lent.
Most importantly, some partner institutions charge very substantial rates. Lendwithcare itself publishes representative APRs which, for certain partners, are around 40%. The individual providing the money through Lendwithcare receives no interest, while the local financial institution retains the interest paid by the borrower.
I have no problem with reasonable interest being charged to cover the genuine costs of administering microloans, particularly by non-profit organisations operating in difficult environments. But providing interest-free capital to a financial institution that can then charge a vulnerable borrower around 40% APR is very different from what I initially understood from the presentation of the website.
I’m not alleging fraud or that anything is being hidden illegally. The information can be found if you research the partner institutions, FAQs and terms. My criticism is that these are material facts that should be prominently displayed alongside each borrower before someone lends.
For example, every profile could clearly state:
• Which institution actually provides the loan
• The APR the borrower pays
• Whether the loan has already been disbursed
• That the lender receives 0% interest
• That interest paid by the borrower is retained by the microfinance institution
Those facts would allow people to make a genuinely informed decision.
The concept of helping entrepreneurs through reusable microloans is something I strongly support. But after understanding how the system actually works, I believe the front-end presentation makes the relationship between the lender, borrower and financial institution appear much more direct than it really is.
Transparency shouldn’t require digging through FAQs and partner pages.
25 augustus 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you for taking the time to look closely at how Lendwithcare works and for sharing such considered feedback. We understand your concerns, particularly around how clearly the relationship between lenders, entrepreneurs and our local development partners is explained.
As you correctly stated, we work with carefully selected local partners that provide loans and support directly to entrepreneurs in their communities. 100% of the amount you lend goes directly towards funding the entrepreneur you have chosen to support. However, in some cases, our local partner may provide the loan before the entrepreneur’s profile is fully funded on the Lendwithcare website. This means the entrepreneur can access the funds when they need them, without having to wait for their profile to be fully funded and for this funding to be transferred internationally. This is really important as loans can often be quite time-sensitive.
Indeed, some of our local partners, though not all, charge entrepreneurs interest or fees. This is because many of our partners cannot rely solely on other forms of funding to cover the costs of delivering their services so they can continue supporting entrepreneurs long-term.
In this context, it is also worth noting that although loans may be small, they can be very costly to deliver. Loan officers may need to travel considerable distances to reach entrepreneurs in remote locations, monitor loans, collect repayments and provide ongoing support. Many partners also offer further support to borrowers, including financial literacy and business skills training. We recognise that some of the representative APRs may feel high, particularly when compared with borrowing costs in the UK. Interest rates are shaped by several local factors, including inflation, infrastructure, loan size and length, and the level of support provided.
The welfare of the entrepreneurs our lenders choose to support is always our priority. We only work with organisations that have strong social missions and a commitment to alleviating poverty. Before accepting a partner, we assess its governance, finances, safeguarding, social purpose and lending practices. Partners must follow CARE International UK’s microfinance policies, and every new organisation completes a pilot phase before the partnership is expanded.
We also examine how partners prevent customers from becoming over-indebted and how they support anyone who falls behind with repayments. Entrepreneurs should understand how much they will receive, what they will repay and the total cost of their loan. Our partners provide regular information so that we can continue monitoring their lending practices and financial sustainability.
We take your point about making this information easier to find before someone lends. We are committed to transparency, although, as a small team, it can be challenging to provide detailed information and all the relevant context without overwhelming or making the lending process difficult to understand. However, we recognise that details such as the local partner, representative APR, and whether a loan has already been disbursed are important when making an informed decision. We appreciate your suggestions.
Responsible lending and helping entrepreneurs work their way out of poverty with dignity are fundamental to Lendwithcare. Thank you again for raising these important points. If you would like to discuss a particular partner or loan in more detail, please contact us at info@lendwithcare.org, and our team will be happy to provide further information.
I recently joined and started lending
I recently joined and started lending. It seems a great project. Having read a little about the loans I’m disappointed that there is interest paid by the borrowers. I’m also confused by the repayment period! I’ve loaned to an animal and farming group with a 4 month repayment period. How are they going to grow crops and increase productivity in such a short period of time?
23 augustus 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you for taking the time to leave a considered review, and welcome to Lendwithcare. It is the case that some local partners (not all) charge interest on loans. It is important to note that this is only to cover the cost of their work, which can be significant when serving communities who live in remote locations. The administration required on small loans does not differ from the admistration on large loans, so the higher volume of work can be challenging to manage without a system in place to cover costs. Unfortunately without knowing the details of your exact loan, it's hard to advise on what might be happening behind the scenes, but from experience running Lendwithcare for over 15 years, there is always an answer to every question. For example, many group members engage in multiple businesses, and that could be one of the reaons why they might be able to repay on a shorter time scale. If you'd like us to look into this for you in more detail, please feel free to reach out to us at info@lendwithcare.org and we will be very glad to help. Thanks so much for your support.
Don't log in for a year and they steal…
Don't log in for a year and they steal all your cash. OK, it is no doubt buried in terms and conditions, but the money is gone.
They do contact by email, but with such a flurry of spam it is automatically filtered out by the email provider and you never see the warning.
Treat it as a donation, its not a loan
12 augustus 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
We'd like to firstly start by saying a sincere thank you for choosing to support small business owners through Lendwithcare. Afterall, this is the aim of the project, and we couldn't do it without well-meaning lenders who choose to fund loans. We'd like to make it really clear that Lendwithcare is operated by a small team of people at CARE International UK, who are genuinely appreciative of everyone who joins to make loans. We are certainly not trying to pull the wool over anyone's eyes by sending an intentional flurry of emails, particularly as we want lenders to continue lending. We make a genuine effort to make lenders aware of what happens when accounts become inactive, and whenever we are contacted directly by lenders about this we are glad to reinstate the credit. If you would like for this to be the case, please email us directly at info@lendwithcare.org and we can arrange this for you. Thanks again for choosing to make a difference through Lendwithcare loans.
I have been supporting Lendwithcare…
I have been supporting Lendwithcare micro financing for years, it gives people dignity and independance and a active doing into bettering their circumstances.
Much better than charity
28 juli 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thanks so much for your support, and for taking the time to leave a glowing review of Lendwithcare.
Lend with Care is a fantastic…
Lend with Care is a fantastic organisation. I’ve been supporting it for the past few years, and it’s incredibly rewarding to know you’re helping someone who genuinely needs it. Keep up the excellent work!
22 juli 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you for taking the time to leave such a thoughtful review. We really appreciate your support over the last few years, and we hope that you continue to make a difference through lending.
Excellent goals, transparent
Excellent goals,true options to ensure 100% goes direct to causes if desired. Transparent despite complexities, appear to have good governance, staffing, salaries etc too. Hard to get balances right but appear to be doing so, no wonder they're making a real impact.
1 juli 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you so much for taking the time to write this positive review. We're so pleased someone has touched on the challenge of keeping things transparent in a rather complex system! Thank you for your support. We really appreciate it.
new supporter
new supporter, highly rate the experience. So good
I've bought a birthday voucher as a gift ,I personally would like to see opportunities in Sri Lanka and more environmental schemes
thank you
9 juni 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Amazing. Thank you so much for joining, and thank you for your support! We'll absolutely take your feedback on board.
I love what Lendwithcare are doing. Proud to be doing my bit
I much prefer microfinancing through Lendwithcare than donating to very large charities. I love that for the price of a takeaway, I can help someone to stand up on their own two feet, with dignity and pride. Some of the local partner interest rates are a bit steep, but overall, are still reasonable. Certainly, getting an unsecured loan in the UK would be much much higher. Plus the partners invest in training and helping the entrepreneurs. I don't have much, but I can afford to be an Angel and to have one less takeaway every few months, and support another entrepreneur instead.
31 mei 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you very much indeed for your support and for taking the time to leave this incredibly well thought out review. You've covered some important points and the points you raise are spot on. Thanks again!
Someone, somewhere cares
I have been investing in people through Lend With Cate for a few years now. I love the idea that people receive an uncomplicated financial ‘leg up’ to help set up or expand their business. This then supports their families and their communities. They will never know who I am but they know that someone, somewhere cares.
18 mei 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you so much for taking the time to write this excellent summary and review of Lendwithcare. We really appreciate the support you have provided to small business owners through lending. Thank you :)
‘The gift that keeps on giving
This is ‘The gift that keeps on giving’. Such a brilliant idea and I’m delighted that the entrepreneurs get 100% of the loan
16 mei 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thanks so much for your support, Sandra. We really appreciate it :)
I was introduced to lendwithcare by my…
I was introduced to lendwithcare by my partner. I haven't invested much and I add a little when I can. Yes there's been a little lost on repayments (due to exchange rate at the time). ,but it's been pennies really.
I fully enjoy lending to entrepreneurs who have a drive to do better, not only their lives but the community around them.
Micro loaning is an excellent idea. It means I can help in the little way that I can and with many others we can chip in and lend to these entrepreneur
Let's make others dreams come true with a little bit of help.
Great idea, with stats to keep you up to date on who and how many have been helped through a particular loan. Very gratifying. GIVE IT A THOUGHT AT LEAST PEOPLE
26 april 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you so much for taking the time to leave such a detailed review of your Lendwithcare experience. We are very pleased that your partner introduced you to us! Thank you for supporting small business owners through Lendwithcare. It means a great deal to both us and them :)
Always good to make a loan to deserving…
Always good to make a loan to deserving entrepreneur in need of help. Happy with experience, I've been doing it on behalf of a group of ladies since 2013! Only downside is it's difficult to log out!
26 februari 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thanks so much for making impactful microloans through Lendwithcare for over a decade. Please pass our sincere thank you to the ladies as well!
0% interest but 100% satisfaction
When I first came across Lenwithcare, I though of the proverb, "Give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime. " I have made a number of small loans and it is really rewarding when you get an email saying that a certain person or group have successfully paid back their loan, as this means they are now operating their business. I love that I can recycle my loans to use them for someone else, once repaid, and that I can make voluntary additional contributions to the running of the charity if I wish. There are so many loan sharks in developing countries that it is good to support ethical lending instead, as people try to better their lives without getting caught in a high interest trap. I hope to support this charity for a long time to come. You lend with a return of 0% interest, but 100% satisfaction that you are doing something worthwhile.
26 januari 2026
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you so much for taking the time to write such a well thought out review of Lendwithcare. We really do appreciate your support, and we hope that you continue supporting loans long into the future!
I don’t understand all these mentions…
I don’t understand all these mentions of ‘Lending Partners’… what is a ‘Lending Partner’? I don’t want to give money to a ‘Lending Partner’ - I want to give it directly to a person trying to start a small, struggling, ethical business. There is no mention of these mysterious ‘Lending Partners’ on your glossy advertisement.
24 december 2025
Review zonder uitnodiging
Antwoord van Lendwithcare
There are many complexities that underpin Lendwithcare. As much as we would like to explain every single aspect, unfortunately there is only so much we can do when advertising Lendwithcare. We are also a very small team based at CARE International UK, and there would not be a way to put loan funding in the hands of small business owners around the world without local partners. While these partners are involved in dispersing loans and collecting repayments, the funding provided through Lendwithcare does indeed reach the people you speak of. We hope this helps, and please remember that you can always reach out to us at info@lendwithcare.org.
Lendwithcare is a wonderful idea
Lendwithcare is a wonderful idea. I don't have a lot of spare money but last year I managed to rake up £15. I first loaned this to a tailor in Pakistan and now it is with some farmers who want to install a solar powered pump which will allow them to water their crops regularly and increase the yields. When they pay the loan back, I'll lend the same £15 to someone else. It's wonderful that the same £15 can be used over and over again to improve the lives of people around the world.
23 december 2025
Review zonder uitnodiging
Antwoord van Lendwithcare
Thank you so much for your support, Jill. We really appreciate it!
i have been lending money through Lend…
i have been lending money through Lend with Care for years and am happy to continue to do so. Just shows how a lot of people lending a small amount (which you eventually get back) can do to transform people's lives.
28 november 2025
Review zonder uitnodiging
Antwoord van Lendwithcare
Fantastic. Thanks so much for taking the time to leave a review, and thank you for supporting loans through Lendwithcare over the years!
The whole experience has been amazing
The whole experience has been amazing, from IT to the report of what happen to the money I so kindly gave to individuals. I would be more than happy for ever xx
25 november 2025
Review zonder uitnodiging
Antwoord van Lendwithcare
Thanks so much for this lovely review. We sincerely appreciate your support!
Always greedy CEO’s
Was invested in helping those less fortunate until I read what the CEO earns
That’s shameful, pure greed
I don’t want to hear excuses in what the going rate is, there’s people out there that would happily do that job for far less and the difference in that salary could be better put to good use to help thousands more
8 november 2025
Review zonder uitnodiging
Antwoord van Lendwithcare
Please keep in mind that Lendwithcare is operated by a small team of CARE staff dedicated to running the most impactful programme we can. Part of this means offering the option to fund loans only (of which 100% goes to your chosen entrepreneur) and opt out of making donations if you wish. We understand that you may have already made your decision to stop funding loans, but this is worth keeping in mind if you would prefer not to support the costs of running CARE. Thank you so much for the support you have provided though, as we really appreciate it.
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