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, apps 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

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Compare IFISAs / Peer-to-Peer Lending Accounts

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
7.33%
4thWay® PLUS Rating
4thWay PLUS Rating 3
Peer-to-Peer Lending Co.
Lending Works
Interest Rate
6.0%
4thWay® PLUS Rating
4thWay PLUS Rating 3
Peer-to-Peer Lending Co.
LendingCrowd
Interest Rate
7.39%
4thWay® PLUS Rating
4thWay PLUS Rating 2
Compare P2P lending accounts & IFISAs >

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Latest Peer-to-Peer Lending News

Proplend: Now You Can Auto-Lend On 50% LTV Property Loans

LendingCrowd has improved its highly attractive cashback deal to up to 5% or £500. Read more. Proplend has launched an auto-lend feature for its “tranche A” property loans, whether you lend through its regular account or its IFISA. Proplend’s tranche A loans, which have the highest, +++ Rating from 4thWay, are for a maximum of 50% of… Read more

How We’ve Improved The 4thWay PLUS Ratings

LendingCrowd has improved its highly attractive cashback deal to up to 5% or £500. Read more. A recap of the first major upgrade We improve the 4thWay PLUS Ratings over time. Many of the changes are small, but today we launched our second ever big upgrade. In the first major upgrade a couple of years ago,… Read more

P2P Lending And IFISA Cashback Deals Available Now

A P2P lending site should convincingly pass a lot of tests before you trust it with your money. Getting a cheap cashback bribe with your ordinary peer-to-peer lending accounts or your IFISAs is usually way, way down at the bottom of that checklist. You want to assess the risks first and the interest rate compared to… Read more

Candid Opinion & Peer-to-Peer Lending Tips

Tesla Bonds Prove P2P Lending Is Safer Investment

LendingCrowd has improved its highly attractive cashback deal to up to 5% or £500. Read more. Many Tesla bond investors are complete lunatics. Today, I read on CNN that Tesla bonds have fallen in price so much that anyone buying its bonds due for repayment in 2025 will now effectively earn 8.6% annual interest. (A falling… Read more

Crowd2Fund Loan Book Published, Sheds New Light

Crowd2Fund*, the business loans P2P lending site, has now started to publish its full loan book with detailed information about every loan that has been made through its website. It’s fair to say I now understand Crowd2Fund far better than I did just two weeks ago. You can see the Crowd2Fund loan book for yourself here,… Read more

HNW Lending Continues To Produce The Goods

New loans continue to include a high proportion of very attractive senior loans under 50% LTV. (If you don’t understand what that means for lenders, I’ll explain below.) HNW Lending acts rapidly to recover debts that might turn bad, which dramatically improves bad-debt recovery results. Before reading on, you should know that HNW Lending sets… 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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