Five reasons to open an IFISA today
This is a financial promotion and is intended to provide information, not investment advice.
There are just six months left in the current financial year. On 5 April, the ISA annual allowance expires, and if you haven’t used it you could lose out.
There have never been more options for ISA savers and investors. There are scores of Cash ISA accounts available to tax-savvy savers, while the Stocks & Shares ISA can be used to shelter stock market gains from taxation.
But as one of the UK’s leading Innovative Finance ISA (IFISA) providers, we believe that this is the ISA to consider in the 2025/26 tax year.
Why choose an IFISA?
There are many reasons to open an IFISA account today.
1. Proven track record
The IFISA is a well-established ISA product which will be a decade old next year. Introduced in 2016, the IFISA allows UK taxpayers to protect their peer-to-peer lending and crowdfunding investments from taxation by holding them within an ISA wrapper. easyMoney launched its IFISA in 2018 and it has a proven track record with more than £100m allocated by investors over the past seven years.
2. Attractive potential returns
IFISAs can offer competitive returns that outstrip Cash ISA yields, and can offer more consistency than stock market earnings.
For example, at easyMoney our target returns range from 5.4% to 10%, depending on which type of account is chosen, and how much money is invested. According to Moneyfacts, the most competitive Cash ISAs were offering target returns of between 4% and 4.2% as of September 2025.
While stock market returns can vary wildly depending on a range of macroeconomic and market factors, IFISA returns are based on loan repayments so they tend to be fairly steady month on month. This offers investors the reassurance of a regular interest payment, while outperforming traditional savings rates.
3. Portfolio diversification
Relying solely on the stock market or traditional savings accounts can leave your portfolio unbalanced. The IFISA offers exposure to alternative assets, particularly debt-based investments that are not directly tied to stock market fluctuations.
For example, you could use an IFISA to invest in peer-to-peer loans, green energy projects, or property-backed lending. These investments often have different performance drivers compared to equities or bonds, which helps spread risk. By opening an IFISA, you can build a more resilient investment portfolio that’s better equipped to weather market ups and downs.
4. Supporting British businesses
Another unique benefit of IFISAs is that they allow you to put your money to work in the real economy. Many platforms use IFISA funds to support small businesses, property developments, or renewable energy initiatives. At easyMoney, all of our loans are used to back British property developers and property investors, helping deliver a boost to housebuilding and deliver much needed rental, commercial and residential properties to the country.
5. Flexibility to invest alongside other ISAs
You don’t need to commit your entire £20,000 allowance into one IFISA. IFISAs can sit within a diversified ISA portfolio which might encompass Cash ISAs and Stocks and Shares ISAs as well.
Why choose the easyMoney IFISA?
easyMoney’s IFISA has twice won the IFISA Provider of the Year award at the Alternative Credit Awards, and it has been nominated again this year. Our IFISA is well established and it is growing every day. Learnmore about our IFISA offering and how to open an account or transfer your balance today.
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.