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 5
Peer-to-Peer Lending Co.
Assetz Capital
Interest Rate
7.5%
4thWay® PLUS Rating
4thWay PLUS Rating 5
Peer-to-Peer Lending Co.
CapitalStackers
Interest Rate
11.3%
4thWay® PLUS Rating
4thWay PLUS Rating 0.5
Compare P2P lending accounts & IFISAs >

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Latest Peer-to-Peer Lending News

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

How Peer-to-Peer Lending Works

It’s still cashback season and with this new £400 cashback offer from Crowd2Fund, exclusively through 4thWay, you have just one week left. Read more.   We try to explain peer-to-peer lending in What the Heck is Peer-to-Peer Lending? However, it can sometimes be easier in an image. So we’ve created one for you called “How Peer-to.Peer… Read more

Will Lenders On Collateral UK, The Disgraced P2P Site, Get Their Money Back?

It’s still cashback season and with this new £400 cashback offer from Crowd2Fund, exclusively through 4thWay, you have just one week left. Read more.   Peer-to-peer lending website Collateral UK went out of business in February 2018. It was quickly alleged to be operating without the correct permission from the financial regulator. It now appears to… Read more

Candid Opinion & Peer-to-Peer Lending Tips

Update On Crowd2Fund’s Performance

It’s still cashback season and with this new £400 cashback offer from Crowd2Fund, exclusively through 4thWay, you have just one week left. Read more.   IFISA and peer-to-peer lending website Crowd2Fund, which offers business lending, has this month started publishing a bit more information about how its loans have performed in the three years or so… Read more

The P2P Lending Sites That Spread Your Money Across Every Loan

It’s still cashback season and with this new £400 cashback offer from Crowd2Fund, exclusively through 4thWay, you have just one week left. Read more.   We had a peer-to-peer lending question this week from a 4thWay user called Uriel who said: “I’ve currently got accounts with RateSetter and GrowthStreet, and am thinking of where to next… Read more

How To Lend Across Multiple IFISAs In One Year!

It’s still cashback season and with this new £400 cashback offer from Crowd2Fund, exclusively through 4thWay, you have just one week left. Read more.   As you may know, you can only open one IFISA in a tax year, which runs from 6th April to 5th April, and this limits your ability to spread your money… 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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