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 P2P lending websites and apps

4thWay® PLUS Ratings formulated by debt specialists, quantitative risk modellers and experienced investors

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Compare the P2P Lending Websites and Apps

4thWay®, the world's first P2P ratings and research agency, makes it easy for you to compare interest rates, risks, costs and features:

P2P Lending Co.
Interest Rate
4thWay® PLUS Rating
P2P Lending Co.
Growth Street
Interest Rate
6.3%
4thWay® PLUS Rating
4thWay PLUS Rating 5
P2P Lending Co.
Landbay
Interest Rate
3.75%
4thWay® PLUS Rating
4thWay PLUS Rating 5
P2P Lending Co.
Proplend
Interest Rate
6.3%
4thWay® PLUS Rating
4thWay PLUS Rating 5
Compare the P2P lending services now >

Your Panel of Peers

How lenders like you are protecting your interests

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Latest News

What’s Happened Recently That You Need To Know

We’re not a P2P “industry news” site, but we do like to report news if it directly helps individual lenders to make better lending decisions, which is our entire raison d’être. A lot of news like this has occurred over the past six weeks or so, so here’s a round-up: Risks at Zopa have risen… Read more

Major P2P Founder Warns: “Our Industry May Never Be Profitable”

A couple of months ago, towards the end of March, I had a one-to-one meeting with a leading light of the peer-to-peer (P2P) lending industry. This well-known and globally respected individual co-founded one of the UK’s largest P2P lending websites. During our chat, which lasted less than 40 minutes, we discussed a wide range of… 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

Candid Opinion

Which P2P Lending Sites Are Profitable?

We are regularly asked by 4thWay’s users about whether individual P2P lending websites make money. Their concern is that if these websites are not profitable then they will go bust. Or, rather, the concern is that if they go bust it will take much longer to get your money back or that you might not… Read more

The Safest Type Of Lending

The safest type of lending is lending to borrowers who own investment properties. This means lending to landlords who own and rent out any of the following: Residential properties (houses and flats). Shops. Offices. Factories. Car parks. Workshops. Other land or properties. What makes investment-property lending so compelling? The loans are secured against very solid, very… Read more

Two Ways That P2P Lending Can Help You To Retire

Making adequate retirement provision is one of the most difficult financial challenges facing British adults today. How high your retirement income will be depends on a number of complex factors and choices, including: Over how long a period you invest How much of your income you set aside The returns your contributions (and those of… 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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