Compare P2P lending accounts and IFISAs now

Ashok Rao

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Your Questions Answered: Previous Answers

To see the most recent question read here (opens in new window). Question from Simon “Could you please do an assessment of crowd stacker and crowd2fund? I have a lot of money currently in a stocks and shares ISA that I would really like to move in to an IFISA. Ideally I’d like to put it… Read more

The Chosen…One?

Welcome back to the third course of my 4th way. For my returning readers you’ll know that I began to look at the idea of venturing into P2P lending in Follow Me As I Learn to P2P. When I had reduced my selection down to three I started to look at the lenders in a… Read more

An Amateur Looks for Low-Risk P2P Lenders

Welcome back to those who read my previous article (Follow Me as I Learn to P2P), and welcome to those who have not. In my previous article, I revealed my desire to save/invest after having my curiosity piqued by reading some 4thWay® articles. I am a technical co-founder here after all, so it’s about time… Read more

Follow Me As I Learn to P2P

Like you I am in the position to put a small sum of money aside for that rainy day to spend on my family. There is no more room under our bed, as that space was filled up many years ago with paraphernalia. We bought a house with a mortgage. But the number of remaining… Read more

Funding Circle’s Christmas Cashback Loans

Funding Circle is currently returning cashback to lenders, taken out of the borrowers’ fees, in a few select loan auctions. The loans are listed as A+, which is Funding Circle’s highest borrower grade. Although Funding Circle conservatively estimates that 0.6% of these loans will go unpaid each year, barely a dozen A+ loans out of… Read more

New Tax-Free Savings Accounts

HM Treasury has concluded a two-month consultation on the best way to implement the inclusion of P2P loans with ISAs. Various options are being considered including creating a third type of ISA or including P2P lending as an option within a stocks and shares ISA. ISAs are tax-free savings and investment accounts. Before the release… Read more

Lend for a Month or Year and Earn 6%

New P2P lending company Fruitful launched quietly a couple of weeks ago to “invited” lenders with a promise of a minimum of 5% above Bank of England base rate. It currently pays 6%. When Fruitful becomes more widely available, it will provide protection to your savings by lending to borrowers seeking commercial mortgages. These will… Read more

Zopa Provides Unsecured Loans for Money-Saving Boiler

Zopa, the world’s oldest peer-to-peer lending company, has created another source of borrowers for investors to lend to. It is now offering unsecured personal loans to Flowgroup customers who purchase its Flow boiler, a money-saving boiler which generates electricity as it heats a home. FlowGroup customers can now borrow from Zopa to purchase the company’s… Read more

Today’s average interest rates

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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