Our ratings and research have steered peer-to-peer lending investors to outstanding results.

Find your investment opportunities now with 4thWay.

Find the best options for you

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. Founded in 2014. Rated 9.005/10 by our users.

Earn more money, more safely, with 4thWay.

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.


Read our research articles

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

Why The Best Time To Lend Is Now

Borrowers were hit hard over 2022 and 2023. Property prices were unclear and somewhat rocky. And those who were borrowing to complete property developments have been suffering a shortage of workers. The worst for borrowers though was rocketing inflation. That didn't just push up interest...


AxiaFunder To Cover £500,000 In Losses

People who invest through AxiaFunder's online platform are funding claimants' legal cases. Investors typically take huge profits when these claims are won – sometimes even projected to earn 2-3 times the amount invested – albeit with substantial downside risk when cases are lost. Most cases...



FOLK2FOLK's Property-Backed Business Lending Account/IFISA unrated, due to lack of information. This account has been paying in the region of interest after zero losses to lenders. Visit FOLK2FOLK or keep reading the FOLK2FOLK Review.


Review of the month

Kuflink has been highly profitable and so have its loans for lenders. With just 0.5% total bad debt in eight years, all paid for by Kuflink, and annual lending rates currently in double digits, with wide automatic diversification, this is a P2P lending provider to take a look at.


4thWay in the news

What people say about 4thWay

I find your site very helpful.

Valuable analyses.

I’m quite an avid reader of 4th way.

The most useful site I’ve found for assessing the different p2p offerings.

There’s huge value to what your site provides

How we earn money fairly with your help

4thWay is the most trustworthy source of P2P lending information, democratically supervised by you!


Copyright BFGSL Ltd and 4thWay® 2014-2024. This peer-to-peer lending/IFISA comparison and ratings website is based on high-quality research, which requires investment. Please share content from our website by linking to it and not by copying it. See our T&Cs and Copyright Policy for more details and to buy additional rights. Acknowledge your sources.