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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.

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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!

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.

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Read our research articles

4thWay regularly publishes 100% original and candid research to help you understand P2P lending better and understand your options better.

How P2P Lending Providers Stack Up On Ombudsman Complaints

How do P2P lending providers and similar companies offering online direct lending-type opportunities perform in terms of complaints their customers make to the powerful, consumer-friendly Financial Ombudsman Service? There are no P2P lending companies making it into the Big Lists The Financial Ombudsman Service publishes...

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Testing Housemartin’s Sector Resilience

Do you want the good news or the bad news first? Right, the bad news it is. Tenants in the properties you're lending against are under financial pressure Most of the properties you're lending against at Housemartin* are tenanted by supported-housing providers. These tenants are...

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How To Check The Financial Services Register For Monsters

Peer-to-peer lending websites and IFISA providers that do not appear to have the correct permission from the financial regulator are the ones that are most likely to turn out to be the real monsters that cause panic, fear and financial loss to individuals. Below, you...

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Review 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?

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