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4thWay Specialist

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4thWay has some of the earliest and foremost specialists in the field of peer-to-peer lending and quantitative bank lending analysis. You can read about them in About Us.

Sourced Capital Review

One of 4thWay’s specialists has written a Sourced Capital Review, summarising the key points. It will probably take 10-12 minutes to read the whole thing. 4thWay’s Quick Expert Sourced Capital Review Tight core lending standards temper its short history, although less sales talk and more substantial information is needed over the coming months. What is… Read more

10 Ways To Get Your P2P Lending Money Back!

This guide will tell you how to lend more swiftly through peer-to-peer lending accounts and IFISAs or get set up so you can get your money back as soon as you want it. (Skip down the page to the 10 ways to lend faster or get your money back more quickly.) But some of you… Read more

The Peer-To-Peer IFISA 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

How Is Peer-to-Peer Lending Taxed?

When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. And you can also open specific peer-to-peer lending accounts, called IFISAs, which are always tax free. The online guidance on peer-to-peer lending tax that is available from… Read more

Invest & Fund Review

Here’s the Invest & Fund review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Invest & Fund Review Invest & Fund is the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance… Invest & Fund Review: their best-rated product This… Read more

Growth Street Review: Lending Successfully Wound Down

Here’s the Growth Street Review from one of our specialists. (You can see all the reviews in our comparison tables.) 4thWay’s Quick Expert Growth Street Review Growth Street has wound down its existing lending Growth Street, established in 2014 with a total lent of , is no longer taking on new borrowers and all lenders… Read more

BLEND Network Review

Below, from one of 4thWay’s experts, is the BLEND Network review. Blend is a P2P lending platform focused on development loans and lending to businesses secured against real property (real estate), with good-looking interest rates and attractive looking security. To see all the Quick Expert Reviews, visit our comparison tables. BLEND Network Quick Expert Review… 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 CrowdProperty Review: their best-rated lending account This account has been paying interest after bad debts. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts or visit CrowdProperty. When did CrowdProperty… Read more

CapitalStackers Review

Below is the Quick Expert Review of CapitalStackers from one of 4thWay’s specialists. 4thWay’s Quick Expert CapitalStackers Review Very attractive interest rates and takes loan checking to a whole new level CapitalStackers* has completed since launch in 2014. Its team is right up there as one of the most competent we have seen. It focuses on development… Read more

Octopus Choice Review

Here’s the Octopus Choice review from one of 4thWay’s specialists: 4thWay’s Quick Expert Octopus Choice Review Offers something different that could add to your current P2P lending. Established in 2016, lenders using Octopus Choice have lent  to property borrowers. It’s part of the Octopus Investments group, which manages £6 billions pounds-worth of investments and has been… Read more

Today’s average interest rates

4thWay® Forecast Returns Index: 4.67%

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

×

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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