Our ratings and research have steered peer-to-peer lending investors to outstanding results.
Find your investment opportunities now with 4thWay.
Compare your peer-to-peer lending options now with the providers who have run the gauntlet of 4thWay’s detailed assessments into their people, data and inner workings.
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.
Earn more money, more safely, with 4thWay.
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!
Become an expert
- 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.
LEARN FROM OUR DETAILED REVIEWSRead our research articles
4thWay regularly publishes 100% original and candid research to help you understand P2P lending better and understand your options better.
Why Aren’t LTVs “Guarantees”?
4thWay received an email from a user asking about a property loan that is on the verge of suffering confirmed losses for lenders. He said: “What happened with their LTV guarantee on that one?” LTV is short for “loan to value”. It means how large...
CONTINUEFirst Thoughts On Shojin Going Bust
An online direct lending platform called Shojin has gone bust, as it could no longer pay all its bills. Its directors chose to place its business in administration. That means that specialists (called “administrators”) have been appointed to wind it down. The administrators have stated...
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...
CONTINUEReview of the month
Lending to landlords is a type of lending with instrinsically lower risk compared to most P2P property lending. But does Proplend do it well?
DISCOVER PROPLEND4thWay in the news
What people say about 4thWay
“I find your site very helpful.”
“Valuable analyses.”
“I’m quite an avid reader of 4th way.”
“The most useful site I’ve found for assessing the different p2p offerings.”
“There’s huge value to what your site provides”
How we earn money fairly with your help
4thWay is the most trustworthy source of P2P lending information, democratically supervised by you!
FIND OUT
