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

How We’ve Improved The 4thWay PLUS Ratings

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, we progressed from the 4thWay Risk Ratings – a measure of the risks –  to… 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

How Peer-to-Peer Lending Works

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 Lending Works – For Investors”. Click on it to open it up. There is a mobile-friendly version underneath. These images also explain how P2P… Read more

Candid Opinion & Peer-to-Peer Lending Tips

Readers’ Q: Do I Need To Invest In Shares If I Do P2P Lending?

Greg, a 4thWay reader, has asked: “First of all, I must just say how much I’ve appreciated your website as I’ve gone about educating myself in the area of investing over the past few months. “My wife and I have just made our first P2P investment, with more to follow when our house sale goes… Read more

Abundance: A £4 Million Lesson In The Risks Of Green-Energy Loans

The collapse of a green-energy project that was crowdfunded to the tune of £3.9 million gives valuable lessons to individuals funding new and complicated infrastructure products through peer-to-peer lending sites. Here’s what happened followed by 10 lessons for lenders in future. What was the loan for? The project was for a new business to borrow… Read more

Kuflink Review

Here’s a Kuflink review from one of 4thWay’s experts: Kuflink Quick Expert Review Might be solid, but needs to be more up-front and clear Established in 2016, Kuflink lenders have lent tens of millions to property developers and other property borrowers requiring short-term funding. We don’t yet have as much information about its key processes… 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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