Compare P2P lending accounts and IFISAs now

Compare IFISAs / Peer-to-Peer Lending Accounts

Three providers of P2P lending accounts or IFISAs that have earned the top calculated 4thWay PLUS Rating on at least one of their products:

Peer-to-Peer Lending Co.
Interest Rate
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Kuflink
Interest Rate
7.00%
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Proplend
Interest Rate
6.85%
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Loanpad
Interest Rate
4.00%
4thWay® PLUS Rating
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Latest Peer-to-Peer Lending News

LendingCrowd Loses Its 4thWay PLUS Ratings

LendingCrowd* has taken the rare step of deciding to no longer publish its loan book or provide 4thWay with it on a regular basis. As a result of this large step back in transparency, LendingCrowd has lost all its 4thWay PLUS Ratings on all its lending accounts. I’m going to tell you about loan books,… Read more

Assetz Capital PLUS Rating Update

Assetz Capital* was one of the businesses that temporarily paused P2P lending last year in order to offer businesses government-backed pandemic loans, which weren’t available as P2P. It’s now reopening its P2P lending, but it could be some weeks before lenders can put new money into its lending accounts and get lending. Assetz Capital says… Read more

What Happened To P2P Lending Companies That Closed?

I’ve taken a new look at what happened to lenders at the different peer-to-peer lending sites that closed or shifted away from the P2P model. The vast majority of closures have been benign for lenders, leading to a profitable return of their money, but there are a few very notable exceptions. Before I get to… Read more

Candid Opinion & Peer-to-Peer Lending Tips

The Mind-Blowing Economics Of Rebuildingsociety Lending

At 4thWay, we’re fascinated by the unusual nature of Rebuildingsociety’s loan book. No high-street bank dataset we’ve ever seen comes close to this kind of profile and nor do any other P2P lending companies. The loan book defies belief. Borrower grading has historically sucked. Bad debts are exceptionally high and recoveries of said debt completely… Read more

SoMo Review

One of 4thWay’s specialists has again updated the SoMo Review, summarising the key points. (If you’ve come here for the BridgeCrowd Review, BridgeCrowd has now become SoMo.) It will probably take 9-10 minutes to read the main section. If you want to read the extra detail we go into on some topics underneath, it’ll take… Read more

Lendy High Court Result Great News For P2P Lenders

I’m not new to reading long-winded court judgments, so I want to write about some interesting points for lenders that came up in this 83-page High Court judgment on Lendy this month. My thoughts are not specifically for people who lent through Lendy, the disgraced P2P lending company that went bust under a cloud of… 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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