Compare P2P lending accounts and IFISAs now

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 peer-to-peer lending websites and IFISAs

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

We're governed by you, so expect candid reporting and trustworthy peer-to-peer lending and IFISA comparison

Read more about our unique approach >

Compare IFISAs / Peer-to-Peer Lending Accounts

Three of 4thWay's top choices to make money during COVID-19 (click/tap on "Newsletter tips & alerts" at the top to get a free report on them):

Peer-to-Peer Lending Co.
Interest Rate
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Loanpad
Interest Rate
4.5%
4thWay® PLUS Rating
4thWay PLUS Rating 0.5
Peer-to-Peer Lending Co.
Proplend
Interest Rate
7.27%
4thWay® PLUS Rating
4thWay PLUS Rating 3
Peer-to-Peer Lending Co.
CrowdProperty
Interest Rate
7.84%
4thWay® PLUS Rating
4thWay PLUS Rating 3
Compare P2P lending accounts & IFISAs >

Your Panel of Peers

How lenders like you are protecting your interests

Find out more about your panel of peers >

Latest Peer-to-Peer Lending News

4thWay’s Users Rate Us 9.3/10 – It’s All About Our Results

In a poll of our users, we’re rated 9.3 out of 10! One of the most common forms of feedback we receive is to just keep doing what we’re doing. The results have proven our worth It’s mathematically highly probable that anyone lending for a sensible length of time who has spread their money around… Read more

P2P Lending And IFISA Cashback Deals Available Now

Some P2P lending sites currently offer attractive cashback deals for new lenders of up to £4,000. At the bottom of this article, you’ll also see a less generous cashback deal is available to existing lenders at the moment. A P2P lending site should convincingly pass a lot of tests before you trust it with your money…. Read more

P2P Lending And COVID-19: All News And Updates

Here, we’re pooling together the most topical news and questions that have come up over the past week. We’ll keep this page updated as the global-health crisis runs its course. Update from Crowd2Fund Taken from Crowd2Fund’s loan listing page on the 23rd April, 2020. At Crowd2Fund we are passionate about helping entrepreneur’s access much needed… Read more

Candid Opinion & Peer-to-Peer Lending Tips

What Investors Can Learn From RateSetter’s Sale To Metro Bank

RateSetter and Metro Bank have done a deal: RateSetter has been sold to Metro. RateSetter’s existing lenders will see their existing loans paid off while borrowers meet their repayments, as usual. Buto new lending will occur through the platform. Metro Bank will use RateSetter’s lending infrastructure to grow its own lending. I want to tell… Read more

Funding Circle Review In 2020 For Investors

4thWay’s Funding Circle Review Key findings for my Funding Circle Review My gut feeling about Funding Circle is sort of positive, but sadly not supported by enough information. With less information now coming from Funding Circle, it’s become a touch too difficult for lenders and independent analysts to assess its performance and ability. This Funding… Read more

Funding Circle Review In 2020 For Investors

4thWay’s Funding Circle Review Key findings for my Funding Circle Review My gut feeling about Funding Circle is sort of positive, but sadly not supported by enough information. With less information now coming from Funding Circle, it’s become a touch too difficult for lenders and independent analysts to assess its performance and ability. This Funding… 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.

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 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

×
Back to top