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

Read more about our unique approach >

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

Up to 10% or £500 cashback is back with the Lending Works IFISA; RateSetter, Growth Street and LendingCrowd. Read more.   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… 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

Up to 10% or £500 cashback is back with the Lending Works IFISA; RateSetter, Growth Street and LendingCrowd. Read more.   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… Read more

Candid Opinion & Peer-to-Peer Lending Tips

Funding Circle Buries Its Data: Should Lenders Be Worried?

Up to 10% or £500 cashback is back with the Lending Works IFISA; RateSetter, Growth Street and LendingCrowd. Read more.   From now on, just Funding Circle itself and the partner it has commissioned, AltFi, will be able to access and assess the details of all the loans Funding Circle has ever made. Funding Circle has… Read more

How New Ratings Have Shaken Up The P2P Lending Comparison Tables

Up to 10% or £500 cashback is back with the Lending Works IFISA; RateSetter, Growth Street and LendingCrowd. Read more.   When is a site allowed a rating? All P2P lending sites and P2P IFISA providers that supply enough information about themselves, and that have a long enough history, are assessed to see if they can… Read more

LendingCrowd Earns A 4thWay PLUS Rating

Up to 10% or £500 cashback is back with the Lending Works IFISA; RateSetter, Growth Street and LendingCrowd. Read more.   As of today – the day we upgraded our ratings system – a new entrant to 4thWay’s PLUS Ratings is LendingCrowd. LendingCrowd* has completed over £34 million since 2014 in business loans and it offers… 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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