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Compare IFISAs / Peer-to-Peer Lending Accounts

Showing rated lending accounts from providers most recently reviewed by 4thWay®, the peer-to-peer lending ratings and research agency:

Peer-to-Peer Lending Co.
Interest Rate
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Lending Works
Interest Rate
5.4%
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
RateSetter
Interest Rate
4.0%
4thWay® PLUS Rating
Peer-to-Peer Lending Co.
Growth Street
Interest Rate
5.3%
4thWay® PLUS Rating
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Latest Peer-to-Peer Lending News

The Election Result Is Boosting P2P Lending

Crowd2Fund’s CEO recently expressed strong views on the subject of industry news and forecasts, so we invited him to write about them on 4thWay. 4thWay’s editor (Neil here) added in subtitles and lightly edited. The election result helps the P2P industry grow rapidly Crowd2Fund* is planning rapid expansion during 2020 due to the decisive election… Read more

Where Can You Buy Or Sell Existing Loans?

See a list of all the peer-to-peer lending secondary markets, how much they cost and whether you can buy and sell loans at a discount or premium. A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because… Read more

How Is Peer-to-Peer Lending Taxed?

When you earn money through peer-to-peer lending it is usually classed as income, so you could be charged income tax. There are, however, huge tax breaks, including an automatic break for many people, as well as specific peer-to-peer lending accounts that you can open which are always tax free. Key P2P tax rules in bullets Most… Read more

Candid Opinion & Peer-to-Peer Lending Tips

4thWay’s 8 Top IFISA Picks

Neil Faulkner, 4thWay’s co-founder and Head of Research, has picked his top eight IFISA picks, based on his assessment of the risks and rewards. They include: Five selections that are easy to use and are good for both entry-level and expert-level investors. Five selections that are lending to borrowers that have real property (real estate)… Read more

Do “Sophisticated Investors” Have Less Legal Protection?

Jocelyn, 4thWay subscriber, wrote: “I’m having real problems understanding what the implications are of saying that I am a sophisticated rather than retail investor in the new appropriateness checks, and I wonder whether 4thway will be doing a short piece on this – I tried a brief search of your site and couldn’t see anything.”… Read more

Growth Street’s Largest Loans Turn Bad

There’s been quite an exciting development at Growth Street*. I use the word “exciting” to mean it’s a story with a lot of bang, rather than good news. Certainly not for me, as it reveals a mistake by me. Probably my biggest since co-founding 4thWay. But at least it’s just my reputation and Growth Street’s… 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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