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.
Proplend
Interest Rate
6.3%
4thWay® PLUS Rating
P2P Lending Co.
Lending Works
Interest Rate
4.5%
4thWay® PLUS Rating
P2P Lending Co.
Landbay
Interest Rate
3.75%
4thWay® PLUS Rating
Compare the P2P lending services now >

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Latest News

ThinCats The 5th P2P Site To Breach £200m

Many lenders like to assess P2P lending sites based on their size. That’s why our experts looked at total P2P lending from 39 different platforms available to UK lenders since they first started. This is the fullest – and after our experts’ adjustments probably the most accurate – list of UK total P2P lending anywhere…. Read more

The IFISA (P2P ISA) Guide

IFISAs in five bullet points Tax-free lending on contributions of up to £15,240 per year. (Going up to £20,000 from 6 April 2017.) No extra charges. Open just one IFISA per year, but most people can lend tax free outside an IFISA anyway. Transfers between IFISAs and to/from cash or shares ISAs is allowed. Transferring… Read more

Catastrophe In P2P Pensions

The operators dealing with P2P lending in the Evolution SIPP, which is possibly the best pension for P2P lending, have just announced that they will not allow new P2P lending. In addition, other pension providers offering P2P lending might reduce or remove their services for non-advised P2P lending. The Evolution SIPP The Evolution SIPP is run… Read more

Candid Opinion

Why I’d Sell Wellesley Loans

Neil Faulkner says that with low interest rates for lenders, less impressive loan book performance than similar competitors, increased risks from borrowing to lend and not enough of the right kinds of unambiguous information and data, he sets out his opinion that, if he was lending through Wellesley, he would sell Wellesley & Co.’s P2P loans… Read more

Crowd2Fund Opens Up About Its IFISAs

Finally, 4thWay has enough information to list in our comparison tables, for the first time and not for the lack of trying, one of those rare of P2P lending things: an IFISA product. These offer completely tax-free P2P lending. Like Willy Wonka’s golden ticket, there are only five of them currently released or imminent. The IFISA product… Read more

What Exactly Is P2P Lending And Has It Lost Its Way?

May people say that P2P lending websites hve lost their way; they’re not P2P any more. And when I say “many people say”, unlike Donald Trump, I don’t mean me. I mean a lot of financial journalists and individual lenders are saying it. I’ve heard them say that RateSetter isn’t P2P because you can’t choose loans…. 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.

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