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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.
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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!
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- 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.
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4thWay regularly publishes 100% original and candid research to help you understand P2P lending better and understand your options better.
4thWay P2P And Direct Lending Index: December 2025
In 2025, while P2P and online lending made “just” 6.77% after costs and write-offs, the stock market returned a huge 24.5%(1) for investors, after estimated investing costs. Plus, the 4thWay P2P And Direct Lending Index (PADL) now has two new constituents – Somo and CapitalStackers....
CONTINUEBest Innovative Finance ISAs In 2026
What are the best Innovative Finance ISAs? The best innovative finance ISAs are these, which offer a market-leading risk-reward balance: CapitalRise IFISA. (Minimum £1,000 per loan.) CapitalStackers IFISA. (Minimum £2,500 per loan.) Housemartin IFISA. (Minimum £1 per loan.) Loanpad IFISA. (Minimum £0.01, spread across 100s...
CONTINUEFull Disclosure? What CapitalRise Shows Lenders
I realised recently that 4thWay focuses so much on getting enough information, data and access to key people for ourselves that we don't always remember to provide you with enough information about what you are told directly by the online lending platforms. I'm looking to...
CONTINUEReview of the month
AxiaFunder continues to pay out 20%+ annualised returns when you fund legal cases for claimants.
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