History has shown so far that when P2P lending sites close, most of them continue to disburse to lenders their loan repayments and interest without large blips. They wind down gradually until everything is repaid. (Although, as usual, you can suffer losses from bad debts…
How do P2P lending providers and similar companies offering online direct lending-type opportunities perform in terms of complaints their customers make to the powerful, consumer-friendly Financial Ombudsman Service? There are no P2P lending companies making it into the Big Lists The Financial Ombudsman Service publishes…
The most powerful thing you can do when lending is spread across a lot and lots of loans. If you’re looking to swiftly deploy your money into hundreds – or even thousands – of individual loans, I’ve made a shortlist based on what I understand…
CrowdProperty has just made a lot of changes to its terms and conditions. Apart from simplifying them a lot – they really are an awful lot easier to read, which is great – there are substantive points that I want to bring to your attention….
4thWay® has a Panel of Peers to govern our website on your behalf. These are individuals like you who lend their money through P2P. They are one of many safeguards we have in place ensuring that 4thWay® keeps your interests at the heart of what…
You have dozens of choices when it comes to peer-to-peer property lending. As far as we know, we’re listing every single one of your choices on this page that we at 4thWay consider to be P2P lending. The majority of P2P property lending websites offer…
Today, just a reeeeeaallly quick look at a couple of the changes to 4thWay’s complete list of all P2P lending and other online direct lending providers. Because a few of the changes leaped out at me over the past few weeks: LandlordInvest is “out” This…
Can you believe the world’s banking regulators actually let this happen? Risky lending triggered the 2008 financial crisis, so regulators banned the big banks from doing it. But then those same regulators allowed the banks to lend money to non-bank lenders—who could still make the…
P2P lending costs money for both borrowers and lenders. Because there’s no such thing as a free lunch! Firstly, I’ll explain how “free” lending actually costs you money, starting with an example from another finance-related industry that all of you should be familiar with, namely…
If you invest by buying shares through the stock market, you can be confident that most of your money is working for you most of the time. And you can reinvest with ease in seconds. It’s extremely rare when this becomes difficult. Not so with…
This is a brief look at all your quality investment options. I also make the case that there’s one form of investment that trumps the rest. And – to be candid – it’s not P2P lending. Four of the five quality investments that everyone should…
The majority of peer-to-peer and online lending focuses on development lending. That sector has gone through a very rough patch in recent years and I’ve been wondering whether too many individual lenders have not spread across other types of lending. So it’s a good time…
Sometimes P2P lending companies close down or shift away from being P2P businesses. When they do, you want to see loans repaid in an orderly fashion. That’s why they have plans for this scenario in advance. These plans are intended to make it highly probable…
We had a query from a 4thWay user about tax rules on lender fees recently, so I thought we could answer that for everyone. The reader was asking about whether lender fees are tax deductible, what that even means, which P2P lending companies currently charge…
Whenever you invest (and money lending is a form of investment), you’re taking a risk that you’ll lose money. Not just lose to inflation – which is a loss that is practically guaranteed to happen in savings accounts. But I mean an actual loss in…
As of 30th June, 2024 The new 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) was launched in August 2024. It enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years…
Invest & Fund lending slowed, but should pick up again 4thWay’s specialists conducted a full reassessment on Invest & Fund this month. There’s nothing at all to report on the risk-reward balance, which remains solid. This update is more about a slow down in lending…
4thWay has long collated more data on peer-to-peer lending than probably anyone else, stretching back to the very first P2P loan ever made. And now, we have sufficient data from a large enough number of important P2P lending providers to start accurately tracking performance. So…
I’m back! It’s been ages since I told you about anything through 4thWay, so I’m pleased to take you through the latest on cashback. Whatever happened to P2P lending cashback? A few years ago, the regulator banned cashback, which had been used to lure people…
Some lenders choose to lend through a type of pension called a self-invested personal pension, or SIPP. These are many and varied, but they often give investors an expanded choice of what they can invest in, albeit for a high price. SIPPs have historically suffered…
