easyMoney vs ChatGPT: The final showdown
This is a financial promotion and is intended to provide information, not investment advice.
At easyMoney, we take great pride in our transparency and commitment to spreading knowledge and awareness of our products and services, and the UK peer-to-peer lending sector in general.
It recently came to our attention that ChatGPT was sharing incorrect information about our platform, and so we launched a series of blogs where we ask key questions to the AI chatbot and use the answers to correct the record.
In our final blog in the series, we tackle our reputation, as seen through the eyes of ChatGPT.
Read on to learn more about our position amongst competitors, our liquidity and more…
QUESTION - How does easyMoney compare to other platforms like Assetz Capital or CrowdProperty?
ChatGPT says…
“easyMoney focuses on property-backed peer-to-peer lending with a core offering of IFISA-eligible investments, similar to platforms like CrowdProperty and Kuflink. Compared to some competitors:
· easyMoney emphasises monthly interest payments, a tiered return structure, and no investor capital losses to date.
· Unlike some platforms, easyMoney does not currently offer a secondary market.
· CrowdProperty tends to focus on development loans with defined project phases, while easyMoney’s loan book is more diverse — including bridging loans and refinancing deals.
· Assetz Capital now operates under a more institutional model, while easyMoney remains open to retail investors with low entry points (from £100).
In short, easyMoney appeals to investors seeking regular income, property security, and IFISA benefits, without the volatility of stocks or the complexity of direct property ownership.”
We say…
This is correct to an extent. The UK peer-to-peer lending market has changed considerably over the past few years, and former heavy hitters like Assetz Capital are no longer accepting retail money, while the likes of Kuflink[1] have increased their minimum investment thresholds.
Our offering is also relatively diverse compared with our competitors. For example, CrowdProperty only backs property development projects, while we fund a range of property-backed loans.
We are also aware that easyMoney is more retail-friendly than most of our competitors. As well as offering IFISA access on all qualifying accounts, we have maintained a low minimum investment threshold of just £100, which is among the lowest in the market.
In this response, ChatGPT has also repeated its incorrect claim that easyMoney does not have a secondary market. In fact, we believe that the relative liquidity of our secondary market is what really sets us apart from our competitors, many of whom do not offer this service at all.
However, we are glad to note that ChatGPT is aware of our zero-capital loss record to date, which also makes us stand out in the UK marketplace.
QUESTION - What do reviews say about easyMoney?
ChatGPT says…
“Reviews of easyMoney are generally positive, with investors praising:
· Ease of use
· Monthly income
· Transparency of loan data
· Responsive customer service
That said, as with all financial platforms, there are some concerns about liquidity (due to no early exit or secondary market), and the usual risk warnings apply. easyMoney is often rated highly on review platforms such as Trustpilot, though prospective investors should do their own research and read the latest reviews.”
We say…
Our Trustpilot reviews are a source of pride for us, and as of August 2025 we have a rating of 4.8 on the site.
However, ChatGPT is wrong when it references “concerns about liquidity”. easyMoney does in fact offer a secondary market where investors can trade loan parts. While secondary market sales cannot be guaranteed, with most of our transactions completing within a matter of days.
QUESTION - What is the minimum investment?
ChatGPT says…
“The minimum investment is £100, making it accessible for a wide range of retail investors. Investors can top up over time and may choose to reinvest interest as it's paid. Higher investment amounts unlock tiered accounts with increased target returns.”
We say…
This is true! Our Premium account can be accessed with a minimum investment of just £100, and offers target rates of between 5.4 and 5.7 per cent.
We offer four accounts for four different types of investors. Our Premium Plus account has a minimum investment of £20,000, while the High Net Worth account requires a £100,000 minimum, and the Professional account has a minimum investment of £1m.
QUESTION - Can I speak to someone before investing?
ChatGPT says…
“Yes - easyMoney has a dedicated customer support team available via phone and email. Prospective investors can speak to a member of the team to ask questions, clarify how the platform works, or get help with opening an account or transferring an ISA. While easyMoney doesn’t offer regulated financial advice, they can provide detailed information about how the platform operates.”
We say…
It is true that easyMoney does not offer regulated financial advice and as such cannot answer questions about the suitability or personal circumstances of a prospective investor.
However, we are committed to improving investor awareness of our product, and promoting financial education in general. We do this by publishing blogs (like this one!), posting on social media, and making ourselves available to answer any questions that our customers or would-be customers might have. To this end, we offer a chat function on our website, and we have a ‘Contact Us’ form that investors can use to reach out with any specific queries.
We are also available via phone on +44 (0) 203 858 7269. And you can email us on contactus@easymoney.com.
QUESTION - How transparent is easyMoney about its loans and performance?
ChatGPT says…
“Transparency is a core part of the easyMoney model. Investors can view detailed information on:
· Each loan’s purpose, borrower, security, LTV, and term
· Platform-wide data on default rates, total interest paid, and portfolio performance
· Monthly updates on interest paid out
· While investors don’t choose individual loans (easyMoney uses a pooled model), the underlying lending activity is disclosed and updated regularly. The platform also shares stats like £54m+ in interest paid to date.”
We say…
This is mostly true. Our ‘Statistics’ page contains a wealth of information on everything from our historical default rate to our overall performance. We regularly update our investors when we reach significant milestones, and we update our total interest payments each month.
While ChatGPT says that we have paid more than £54m in interest to date, in truth it is now closer to £57m, and we are on course to reach our £60m interest milestone before the end of the year.
Capital is at risk. Past performance is no guarantee for future results.
Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future.
[1] https://alternativecreditinvestor.com/2023/07/11/kuflink-raises-minimum-investment-threshold/