4thWay® shows you how to earn more money, more safely through peer-to-peer lending

Lenders: easily compare interest rates, risks, costs and features of P2P lending websites and apps

4thWay® PLUS Ratings formulated by debt specialists, quantitative risk modellers and experienced investors

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Compare the P2P Lending Websites and Apps

4thWay®, the world's first P2P ratings and research agency, makes it easy for you to compare interest rates, risks, costs and features:

P2P Lending Co.
Interest Rate
4thWay® PLUS Rating
P2P Lending Co.
Growth Street
Interest Rate
6.0%
4thWay® PLUS Rating
4thWay PLUS Rating 5
P2P Lending Co.
Proplend
Interest Rate
6.3%
4thWay® PLUS Rating
4thWay PLUS Rating 5
P2P Lending Co.
RateSetter
Interest Rate
5.4%
4thWay® PLUS Rating
4thWay PLUS Rating 4
Compare the P2P lending services now >

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How lenders like you are protecting your interests

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Latest News

What’s Happened Recently That You Need To Know

We’re not a P2P “industry news” site, but we do like to report news if it directly helps individual lenders to make better lending decisions, which is our entire raison d’être. A lot of news like this has occurred over the past six weeks or so, so here’s a round-up: Risks at Zopa have risen… Read more

Where Can You Buy Or Sell Existing Loans?

See a list of all the peer-to-peer lending secondary markets, how much they cost and whether you can buy and sell loans at a discount or premium. A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because… Read more

4thWay’s 10 P2P Investing Principles

Throughout this site, we call lending, “lending”. Funnily enough. But that word can sound a bit casual and easy. Like you’re giving some chums, some fellow countrypersons or local businesses, a bit of cash in return for a bit of interest. A simple income on the side where everyone’s a winner. Instead, you need to consider… Read more

Candid Opinion

P2P Lending Cashback: Where Can You Get A Great Lending Bonus?

A P2P lending site should convincingly pass a lot of tests before you trust it with your money. Getting a cheap cashback bribe is usually way, way down at the bottom of that checklist. You want to assess the risks first and the interest rate compared to the risks is much more important. You see, if… Read more

How Lending Works’ Insurance Against Losses Works

Prime personal loans P2P lending site Lending Works* is one of a smaller number of P2P lending sites that uses insurance to protect lenders from specific situations. What the insurance does for lenders Lending Works’ insurance could pay out if and when a borrower is unable to meet loan repayments: It could do this when the… Read more

P2P Lending: How And When You Can Access Your Money

This guide tells you how most P2P lending sites work when it comes to you being able to exit your loans. (There are exceptions that work in different ways that aren’t covered here.) Getting your money back when using autolend Some P2P lending accounts spread your money across loans automatically or have similar “autobid” features…. Read more

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

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Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×
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