Lendwithcare Reviews 

You lend money, often as not it comes back and you reinvest it. Sure you don't get any interest: that's the point. But in the meantime your money is making a huge difference on a micro level.
So you put in £200 (or whatever) and in a few years your £200 has become £2000 of help.
Best charity ever.

I received a £15 gift card for Christmas 4years ago,since then I have made 26 loans 12 of which have been repaid and 14 which are still running, i have never had 1 missed payment on any of them

I think its a great idea but Im not comfortable with the apr being charged by the lending partner.Lend with care assured me that nobody is making a profit but some of the partners are charging intrest compatable with unscrupulous payday lenders and while I take their word(lend with care) for it that they dont make a profit i dont really believe that the lending partners dont take a cheeky profit somewhere so when im repaid i will give it to a homeless person instead.

I have supported this for a few years but in fairly small amounts that I just reinvest when I receive the pay back. Most loans do not get returned in full however I am told this is due to various factors including the exchange rate. For the last 2 loans that have completed I've had 93.6% and 91.8% of my original loan returned. I do question whether they are verifying the practices on the lenders on the ground however you can also see who this is before making a loan so that's up to you to research if you wish. Overall I am happy with what is being done here and will continue to invest.

I have never had reason to doubt this organisation.
When I eventually pass my son has stated he wants to carry on my account as we both feel it is worthwhile.

Don't believe the negative reviews. This is a great initiative

I've been signed up with Lendwithcare for almost a decade

First, understand how this works. You make an interest free loan to 3rd world small entrepreneurs (many of them women). They use the money to expand their small local business

That money is eventually repaid to your account for you to lend out again - and again - and again
The modest amount of money I've donated has led to loans of almost £7000 over that period and no-one has ever defaulted on the repayments

My Lendwithcare account shows I've supported over 250 entrepreneurs and helped over 1500 people

I don't donate to charities as you've no idea what they spend the money on but I do support Lendwithcare and tell everyone about it.

I'm not giving a hand out I'm giving a hand up

Do the same

Please be very careful when supporting this charity. If you do not access your account in a 12 month period their terms and conditions allow them to take the funding without consent. I lost nearly a thousand pounds. Their email notifications get lost in all the pleading emails from them to support the charity….ironic! 😤
The situation was satisfactorily resolved - thank you

I started off with £30. Got all of that back some months later, reinvested it, got all of that back. It feels great to help people in this way, and you can donate a small amount and continually reinvest and help others (unless you get unlucky with one, I suppose. Hasn't happened to me).
So I'm gradually increasing my overall amount invested as each amount will do good over and over again as I reinvest it.

My wife and I have been supporting LWC for a few years now. We really like the way it helps people improve their lives, not with a hand-out, but by providing the means they need to work and grow their businesses.

I’m saddened to read the negative reviews about not getting money back, as that hasn’t been our experience at all. So far we have had 38 loans completed, and none defaulted. It may be one day we will have a defaulted loan, but that’s a risk we’re happy to take, and so far every loan has been / is being repaid.

It is true that there has been a slight erosion of the initial “investment” over the years, due to currency exchange rate fluctuations, but LWC are very clear and up front about how that works, so I’ve got no problems with that at all.

What I still find amazing is how the effect of the money lent has grown, or “snowballed” as other reviewers have said. By reinvesting each time a loan has been repaid, the amount we’ve been able to loan is now up to around 4x the initial “investment”. How much better than just putting the money in the bank!

Someone said on here that you won't see your money back ,well that's a lie I have had all my money back and then put it back in again ,this is a great way for the likes of me that does not have a lot of money but can still help others

Lendwithcare is awesome, I have made loans for 12 years, and have supported them as they have changed the lives of tens of thousands of people. I get a monthly statement and the money is available for withdrawal. The one star review is I assume from a troll, who is not a member of the community, and does not understand the operational model or the ethos. Lendwithcare is a brilliant concept.

As if you will EVER see that money again 😂 If you agree to this, you obviously have more money than sense 😄🤦🏻‍♂️

Really good Web page. No advertising. Extremely quick completion with no hassle to do more. Have only had one small default in 4 yeas.

I have been donating to LWC for the past few years and love it’s ethos. I see this like a charity. I didn’t start doing it to make money instead I wanted a way to help others and help provide better lives. I have always received repayments which are then reinvested to further help others. If anyone is unsure about this company I would say give it a go it makes you feel good to know you are helping someone far away.

Historically I have given money to charities and… what happens, I don’t know. Normally you’re on their system and then they ask for more! After seeing the wonderful Joanna advert on TV two years ago I decided to donate £15 to one entrepreneur on the Lendwithcare website. Thinking, what can I buy with £15… I can't get a haircut for £15 or a takeaway dinner. Or I could change someone's life. The system is so easy to use. You give and they repay back albeit in small amounts. Eventually, you have a ‘pot’ to reinvest in someone else and make a difference to them. And then they pay you back and then you can reinvest your money to someone else. It’s truly snowball giving. In two years, I've helped eleven people, and none have ever defaulted on their repayment. You can see what your money is doing, having a real impact on improving people's lives. If I had put £15 into a savings account it wouldn’t give the same return on investment as LWC!

Having seen an advert, I decided to support with one loan per month for a year; basically the cost of a bottle of wine. Having reviewed some of the Trust Pilot comments, I agree with concerns regarding loan charges raised locally but also understand the arguement for the in country costs, it would be useful if this data is provided with each loan description. My reason for proving those loans was to reinvest as repayments were made, supporting those who are looking to support themselves. If this turns out to be a false premise and is basically a gift, then please advertise as such. Let's see as it will affect how I sing the praises with friends and work colleagues in the future, hopefully that is fair.

If you see this as an investment opportunity and need your money back this might not be suitable for you (the people giving 1 star clearly didn't understand the principles of this company before they started!).

We 'invested' in LWC because we like the snowball effect of this 'charity'.

This is basically a charity that doesn't do hand-outs and gives the entrepreneurs the feeling that they are not taking charity and I imagine that must make them feel prouder than just taking a handout.

If you 'invest' with LWC you need to see it as an opportunity to help more and more people, just by keep reinvesting the money you get back. I personally see it as a charity that you could give to even just once if that was all you can afford, but still keep helping people by reinvesting the money you get back

I like that people you are lending to get a feeling of pride that they made it on their own strength. That grows character!

I think it's a very clever idea, whoever came up with it! :) and I hope it does a lot of good in the world (not just financially, but also emotionally/spiritually/mental health-wise).

I'd recommend but as long as you don't want the money back it's great for helping people but the messages you get once you've help someone asking you to give your repayments to lend with care is no none stop and I asked for some of my money back over a week ago and heard nothing.

Joined this year. Being able to help someone to earn a living is something that really appealed to me. The minimum loan payment is £15. Each entrepreneur’s request for a loan is detailed with their photo and country. I have already received two small payments back. It’s good to know that my contribution is helping someone. I plan to continue supporting more entrepreneurs. The site is easy to use and navigate.

I have been an investor in Lend with Care for a number of years and was initially introduced by a gift voucher. Although not a large investor I have added small amounts so I can increase support. It gives me great satisfaction knowing the small support I give has a great impact and never had a default. It has been very interesting to read the negative comments as hadn’t appreciated some of the issues raised, but the responses from LWC have been very clear and understandable, I have no experience of trying to withdraw my funds as view this as donations,so I am more than happy to put my faith in them to help those who require it.