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You can read about 4thWay’s experts in About Us. Our experts are anonymised to protect them from lobbying from P2P lending sites, so that they feel free to express their full and candid views.

Proplend Review

This quick Proplend review, written by one of our experts, is taken from our comparison tables, where you can see reviews on most P2P lending sites. 4thWay’s Quick Expert Proplend Review Fantastically good security backed up by steady borrower income When did Proplend start? Propend first approved a loan in 2014. What interesting or unique… Read more

CapitalRise Review

Here’s the CapitalRise review from one of 4thWay’s experts: 4thWay’s Quick Expert CapitalRise Review Will be surprised if this one isn’t a good’un When did CapitalRise start? CapitalRise* has completed over since launch in 2016. What interesting or unique points does CapitalRise have? CapitalRise’s focus is prime central London development properties, which is a nice niche for lenders… Read more

LendingCrowd Review

4thWay’s LendingCrowd Review: with Business loans P2P site LendingCrowd*, you can select loans yourself to earn higher interest. Alternatively, you can split your money automatically between at least 20 loans – and no more than 5% of your money in any loan. Target interest rates are currently around 6% with automatic diversification or above 7%… Read more

Funding Circle Review

Here’s a quick expert Funding Circle review from one of 4thWay’s experts. (You can see all the Quick Expert Reviews in our comparison tables.) 4thWay’s Quick Expert Funding Circle Review A very strong history, although with recent signs for caution When did Funding Circle start? Funding Circle has a history measured in billions of pounds of loans… Read more

Loanpad Review

Here’s the Loanpad review from one of 4thWay’s experts: 4thWay’s Quick Expert Loanpad Review Auto-spread your money across loans backed by property 2-3 times greater than the loan size When did Loanpad start? Established in 2018, lenders have lent around . What interesting or unique points does Loanpad have? Loanpad* partners with a family firm that’s… Read more

CrowdProperty Review

Here’s the CrowdProperty review from one of 4thWay’s experts: 4thWay’s Quick Expert CrowdProperty Review Development lending as a low risk, high-interest rate opportunity When did CrowdProperty start? Established in 2015, lenders have lent  to around 50 different borrowers in over loans. What interesting or unique points does CrowdProperty have? CrowdProperty is single-mindedly (in a good way)… Read more

ThinCats Review

Here is a ThinCats review from one of 4thWay’s experts: ThinCats Quick Expert Review High rates and high bad debts – could do with more information ThinCats is large and established, with lending in the hundreds of millions since 2011. Its organised loan-approval processes start from a network of sponsors to find and vet deals… Read more

The IFISA (P2P ISA) Guide

We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? An IFISA allows you to lend up to £20,000 per tax year (which… Read more

CapitalStackers Review

Below is the Quick Expert Review of CapitalStackers from one of 4thWay’s experts‘. You can see all their Quick Expert Reviews in our comparison tables. 4thWay’s Quick Expert CapitalStackers Review Very attractive interest rates and takes loan checking to a whole new level CapitalStackers* has completed over £10 million since launch in 2014. Its team could be… Read more

Landbay Review

Here’s the latest thinking on Landbay from one of our experts. 4thWay’s Quick Expert Landbay Review Strict lending criteria and low-risk BTL mortgages for lenders Landbay has completed over  in residential landlord mortgages since 2014. Internally assessed by one of 4thWay’s risk modellers, Landbay has good processes and a team with all the experience we would hope… Read more

Today’s average interest rates

4thWay® Forecast Returns Index: 4.70%

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

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

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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 “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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