Our ratings and research have steered peer-to-peer lending investors to outstanding results.
Find your investment opportunities now with 4thWay.
Compare your peer-to-peer lending options now with the providers who have run the gauntlet of 4thWay’s detailed assessments into their people, data and inner workings.
4thWay is the world’s first ratings agency for peer-to-peer lending. Now also investment indices. Founded in 2014. Rated 9.005/10 by our users.
Earn more money, more safely, with 4thWay.
P2P lending has consistently earned lenders with sensible strategies a massively inflation beating return, since it came about in 2005. It has done so much more stably than the stock market, which has seen every third year being a loss year for share investors, after investing costs, compared to no down years for P2P lending!
Become an expert
- What is Peer-to-Peer Lending?
- P2P Lending Vs Other Investments.
- The IFISA (P2P ISA) Guide.
- 4thWay’s 10 P2P Investing Principles.
P2P lending and IFISA reviews
See all our reviews into the P2P lending and P2P IFISA companies that have subjected themselves to hours of interviews with our specialists, provided us with over one hundred data points, submitted large amounts of data and gone through background checks.
LEARN FROM OUR DETAILED REVIEWSRead our research articles
4thWay regularly publishes 100% original and candid research to help you understand P2P lending better and understand your options better.
CapitalRise Review
CapitalRise's Bridging & Development Loans have earned the Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around interest after bad debts. Visit CapitalRise* or keep reading the CapitalRise Review.
CONTINUEP2P Lending Lessons From The Sequel To the Financial Crisis
Can you believe the world’s banking regulators actually let this happen? Risky lending triggered the 2008 financial crisis, so regulators banned the big banks from doing it. But then those same regulators allowed the banks to lend money to non-bank lenders—who could still make the...
CONTINUE4thWay P2P And Direct Lending Index: Q2 2025
Annualised returns after costs and losses have averaged 7.49%, with no losing months. The graph above is not smoothed but actual results over time. I note that, if all write-offs from bad debts were squashed into the same period of time, it would have meant...
CONTINUEReview of the month
Loanpad is the core holding for many savers and investors with good reason. Read the full review after our latest half-yearly reassessment from the ground up.
DISCOVER LOANPAD4thWay in the news
What people say about 4thWay
“I find your site very helpful.”
“Valuable analyses.”
“I’m quite an avid reader of 4th way.”
“The most useful site I’ve found for assessing the different p2p offerings.”
“There’s huge value to what your site provides”
How we earn money fairly with your help
4thWay is the most trustworthy source of P2P lending information, democratically supervised by you!
FIND OUT
