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... Ver más
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Consulta las opiniones de los clientes
An excellent idea to spread my relative wealth and born privilege to hardworking people and projects around the world. With rising costs in the UK, paying bills is more difficult - but I’ll alw... Ver más
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Quite new to this idea of loans to people who really want to help themselves. Nothing negative so far, I find this concept of loaning to individuals and hearing their back stories so refreshing. Commu... Ver más
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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... Ver más
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Información sobre la empresa
Escrito por la empresa
Microfinance from CARE International UK. Make a loan, change a life.
Información de contacto
CARE International UK, 1 St. John's Lane, EC1M 4AR, London, Reino Unido
- 020 7091 6100
- info@lendwithcare.org
- lendwithcare.org
4,3
Excelente
76 opiniones
Ha contestado el 100% de las opiniones negativas
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Great concept
Quite new to this idea of loans to people who really want to help themselves. Nothing negative so far, I find this concept of loaning to individuals and hearing their back stories so refreshing. Communication from Lendwithcare has been at the correct level. I would totally rate this organisation as one of the very top poverty battlers in the world today. Keep up the great work.
9 de agosto de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thank you for taking the time to share your thoughts on Lendwithcare. We're very pleased to have your support, and hope you continue support hard-working small business owners through Lendwithcare loans.
This is a joke what about the people of…
This is a joke what about the people of this country? Why not lend people from our country instead of helping other country's as always I would love some one to lend me a few grand to open my own business but I have to pass credit checks and all kinds absolute joke this like
6 de agosto de 2024
Opinión espontánea
Great idea, well run and overall a very positive experience.
Overall, I think this is a fantastic idea. It is a dignified idea. I have got most of the small amount that I put in back, and I try to top it up occasionally. I've been doing microloans for a couple of years now. Because I understand that people can do their best but still fail, I only loan what I can afford to lose... but as I said, most people have managed to pay back, which allows me to loan a bit more.
My only issue with Lendwithcare is all the emails I get asking me to donate... LEND with care is something I support passionately. Give with care is not what this is about, surely? Please quit with the begging emails.
7 de junio de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thanks so much for your review, Carrie. We appreciate you taking the time to write some very positive things about your Lendwithcare experience! We can only apologise if you feel that our emails asking for donations are on the heavy side, but we would like to assure you that we are conscious of this and aim to keep these types of asks to a minimum where possible. However, 100% of everything loaned through Lendwithcare goes to support small business owners. Because we don't take a percentage to cover the operational costs of Lendwithcare, support through donations is very necessary to ensure we can continue facilitating loans and providing this support. Thank you so much again for your support.
I would love to help those less…
I would love to help those less fortunate in the world and think ‘lend with care’ is such a great idea but… I can’t be part of an organisation where the CEO earns over 120k as an annual salary (2023) Obviously some of that comes from what should go to those I want to help. I wish there were a non- profit organisation with CEO’s taking a good salary but not an unnecessarily high one. Not right in any level…
23 de mayo de 2024
Opinión espontánea
Respuesta de Lendwithcare
We're so pleased to hear that you think Lendwithcare is a great idea, thank you. As you have rightly observed, Lendwithcare is a project of CARE International UK, and the level of pay for this post is correct. Before going into detail on this, we would like to make it clear that 100% of everything loaned through Lendwithcare goes directly to the entrepreneurs you choose to support. While we do ask for a voluntary donation to support CARE International UK (and indeed Lendwithcare's operational costs), lenders can also choose to opt out from this.
Our CEO's pay remains well below the market rate for most UK charity directors (in 2022 the median salary for Chief Executives at the UK’s largest 100 charities was £170,000) and well below most executive salaries in the public and private sector. CARE International UK firmly believes that our Chief Executive’s salary reflects her knowledge, skills, and extensive experience of international development, offering valuable guidance to ensure that Lendwithcare positively impacts the lives of more hard-working entrepreneurs year on year.
Fantastic organisation
Fantastic organisation, yes sometimes there are small loses but overall you get most of your money back to reinvest. Ive lent money over 100 times, only had 1 default and lost £45 in currency fluctuations.
I'm in it to help people so it doesn't bother me. I currently have about 65 loans running.
It's a great idea to help people help themselves.
30 de abril de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thanks so much for your support, and thanks for sharing your mindset around currency fluctuations. It is important that we protect loan recipients from paying more back to account for currency fluctuations, and you are right that Lendwithcare is all about helping people! Thank you again for your kind support.
Loved the idea and the two ladies I…
Loved the idea and the two ladies I gave money to grow their businesses, got payments every month from them and when I was told they had repaid their loan, I was delighted and thought to help someone else, I would keep it going but my account balance said currency overseas charges cost me £7.00. I will not be investing again. I only invested £15.00 for each lady. Good wishes to the ladies and I hope their businesses are flourishing. Lend to Care should advertise that money invested is open to currency changes.
22 de marzo de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thank you so much for making loans through Lendwithcare, and thank you for taking the time to leave this balanced review. You have raised an important issue, but it is import to note here that the loss you are referring to is caused by local currencies dropping in value against GBP rather than any hidden exchange rate charges. In most instances, changes in local currency are only small, which in turn results in an equally small loss to lenders. However, in November 2023, the value of the Malawian Kwacha dropped significantly, which unfortunately resulted in a larger than expected loss for lenders supporting loans in Malawi. In this instance, the currency devaluation has resulted in a real impact on low-income households struggling to make ends meet in Malawi, which highlights why we don't pass on any currency risk to entrepreneurs supported through Lendwithcare. We are working to make this complex issue much clearer to lenders, which includes providing information in the account area you have referenced in your review. The loss you have detailed in your review is much larger than usual, and we would like to look into this for you. If you would like to get in touch with us at info@lendwithcare.org we'd be very happy to do this. Thanks again for your support.
Great proactive lending …
A great idea is this lending to others to make a better situation for them. I tell others to do this.It is like a circle you can just keep it going around.
20 de marzo de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thank you so much for taking the time to leave a review, Janet. Thank you too for encouraging others to get involved, and of course for making loans yourself. We sincerely appreciate your support!
Disappointing to read of lending partner charges
I'm really quite disappointed to read some of the reviews around interest charged on the money I lend in good faith and the choice of lending partners. It's clear from the Lendwithcare responses that they know and accept that whilst I lend my money with no strings, no interest requirements, it's somehow OK for someone else to charge interest on my money. It's not OK and that's definitely not what I signed up for so I think I'm going to make the decision to withdraw my funding and use those funds to support in other ways.
29 de febrero de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thank you for the loans you have made. We sincerely appreciate your support, and for taking the time to share your concerns with us. We understand your disappointment regarding the interest charged by some of Lendwithcare's local partners. Because Lendwithcare is operated by CARE International UK, we are fortunate to be funded by generous support from the UK public and many other sources. However, many of Lendwithcare's local partners aren't in the same position, and need to cover some significant operational costs associated with microfinance work. Interest is therefore charged to sustain their operations, which unfortunately wouldn't be possible otherwise.
We understand that this may not align with the expectations of every lender. However, business owners receiving loans are always aware of and accept these terms where they apply, as they value the opportunity to access loans to invest in their businesses and grow their income. We absolutely recognise the complexity surrounding the topic of interest, and we're more than happy to provide further clarification if needed. Please feel free to reach out to us at info@lendwithcare.org with any questions. Your feedback is important to us, and we respect your decision to withdraw your funds. Thank you so much again for the support you have provided.
The help goes on and on
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.
28 de febrero de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thank you for your support! We greatly appreciate your enthusiasm for the work we do and hope you continue to make loans through Lendwithcare in the future.
I received a £15 gift card for…
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
30 de enero de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thanks so much for your support Neil! We're so pleased that you joined through one of our fabulous gift vouchers and have been lending ever since. Please pass on our sincere thanks to the person who gave you the voucher too!
Dont like the intrest charged
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.
27 de enero de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thank you for taking the time to leave a review, we totally understand your reservations. We'd like firstly take the opportunity to stress that Lendwithcare thorough proper due diligence and regular monitoring and evaluation of our local partners very seriously. Interest is a complex topic to explore here, but we would welcome you reaching out to us at info@lendwithcare.org if you did want more information. One other important element to consider is that the administration expenses behind a microfinance project are often significant. While Lendwithcare is operated by CARE International UK (and therefore do not draw any profit as an NGO), we acknowledge that local partners have sizable administrative costs, and interest charged on loans allows them to provide their services (which often include more than just loans). We do fully understand your reservations though, and would like to thank you for your support. When you are ready to withdraw your funds, please let us know and we will gladly assist.
I have supported this for a few years…
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.
26 de enero de 2024
Opinión espontánea
Respuesta de Lendwithcare
Thanks so much for being a part of Lendwithcare and making loans to support low-income entrepreneurs, we really appreciate your support. Thank you too for sharing your experience and raising these points. To answer some of the important points you have raised, Lendwithcare conducts thorough due diligence on it's local partners to ensure all Lendwithcare loans are being given to real small business owners who have a viable income-generating activity and who can afford to take out a loan. Our on-going monitoring and oversight of these partnerships is also critical in ensuring loans are having a positive impact on the lives of entrepreneurs and their families. It is also important to note that the difference between the amount loaned and the amount received does not relate to the operations of local partners. This is solely related to currency exchange fluctuations, which are unfortunately beyond our control. Thank you so much for your understanding of these complex issues though, we are so happy that you plan to continue support small business owners through Lendwithcare.
I have never had reason to doubt this…
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.
24 de diciembre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Thank you so much for your support and for sharing this wonderful sentiment. We're pleased that your loan support for low-income entrepreneurs through Lendwithcare will continue long into the future. Thank you again for being a part of Lendwithcare, we really appreciate it.
Don't believe the negative reviews. This is great work
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
12 de diciembre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Thanks so much for this excellent review, Mik. We're very pleased to have your support!
Situation Resolved
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
10 de diciembre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Thank you for your support, Gary. And thank you for making this important point around Lendwithcare accounts becoming dormant. We understand that you have also been in touch with our wonderful Supporter Care team to resolve this issue.
We do try our very best to make this clear in the Terms and Conditions, and we also make every effort to contact lenders in plenty of time before account dormancy occurs and unused credit is donated. We would also like to stress although it may appear this way to you, we definitely do not make a conscious effort to distract from this important communication. One of the ways we approach this is by sending a series of three emails before account dormancy occurs.
We apologise for the negative impression that has caused and hope you understand that this is absolutely not intentional.
Helping people over and over again
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.
1 de diciembre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Thanks so much for this stellar review. We sincerely appreciate your support, and hope you continue to make loans through Lendwithcare long into the future!
An excellent way to help people help themselves
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!
22 de noviembre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Please allow us to share our sincere thanks for your support. It's so encouraging to know that we have lenders who are wholly supportive of the Lendwithcare model! Thank you again for your support. We hope that the snowball effect continues to grow, allowing you to share your support with many more deserving entrepreneurs.
Someone said on here that you won't see…
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
13 de noviembre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Thank you so much for being a part of Lendwithcare, Lynn. It's great to have your support, and we're so pleased that you have been able to support plenty of entrepreneurs as a result of reusing your repayments!
Lendwithcare is awesome
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.
7 de noviembre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Hi Ian. Thanks so much for this fantastic review. We're so pleased to have such a fantastic advocate for what we're doing, and it is truly exceptional that you have been with us for so many years. Long may it continue. Thanks again!
You won’t see a penny back!
As if you will EVER see that money again 😂 If you agree to this, you obviously have more money than sense 😄🤦🏻♂️
13 de octubre de 2023
Opinión espontánea
Respuesta de Lendwithcare
Thank you for your review, although we are disappointed to see that you haven’t considered how damaging this could be to Lendwithcare. Particularly as Lendwithcare’s focus is to create a positive impact by helping small scale business owners to improve their lives. We are confident that thousands of lenders would disagree, as they have received their loans back and re-used their funds time and again to support hundreds of deserving people in some cases. If you would like to discuss your concerns around repayments with us directly, we would always welcome you contacting us at info@lendwithcare.org.
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