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

Peer-to-Peer Lending Co.
Interest Rate
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Proplend
Interest Rate
7.32%
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Lending Works
Interest Rate
6.5%
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
LendingCrowd
Interest Rate
6%
4thWay® PLUS Rating
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Latest Peer-to-Peer Lending News

Latest 4thWay PLUS Rating News

4thWay’s experts are now part-way through their latest reassessment of the P2P lending sites’ (and P2P IFISA providers’) 4thWay PLUS Ratings. As usual, they took the opportunity to make measurable improvements to our ratings methodology. All the improvements make the 4thWay team feel better, because they ironed out a couple of creases. But, on this… Read more

 Win £100 In May – By Helping Fellow 4thWay Users

In May, the most interesting and well-written comment about peer-to-peer lending or IFISAs that is posted on 4thWay’s discussion boards, or the most interesting emailed contribution we receive, will win £100 if we choose to publish it. We may even pay out for more than one contribution if we can’t decide on a winner. It… Read more

CrowdProperty Opens Up On Its Performance

We have some rare information about CrowdProperty‘s performance and it looks like it is finally opening up, allowing a wee bit of analysis of some the risks. This is great for me, because I’ve suspected that this is one of the rare P2P lending sites that is both secretive and yet – probably – very… Read more

Candid Opinion & Peer-to-Peer Lending Tips

Create A Balanced ISA Portfolio

This is quite a bit of fun for me today. I’m going to look beyond peer-to-peer lending to my old, very well-trodden stomping ground of shares and savings, where I spent nearly 20 years of my life before peer-to-peer lending took over. If you want to form a portfolio of ISAs containing different kinds of… Read more

Funding Circle Review

Here’s a quick expert Funding Circle review from one of 4thWay’s experts. (You can see all the Quick Expert Reviews in our comparison tables.) 4thWay’s Quick Expert Funding Circle Review A very strong history, although with recent signs for caution When did Funding Circle start? Funding Circle has a history measured in billions of pounds of loans… Read more

Proplend Review

This quick Proplend review, written by one of our experts, is taken from our comparison tables, where you can see reviews on most P2P lending sites. 4thWay’s Quick Expert Proplend Review Fantastically good security backed up by steady borrower income When did Proplend start? Propend first approved a loan in 2014. What interesting or unique… 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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