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Matthew Howard

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See Matt’s profile in About Us.

Lending Works Trustpilot Reviews By Lenders Are Hostile In 2021

I’ve looked through Lending Works Trustpilot reviews to find all the ones written in 2021 by its customers who have lent money. Trustpilot combines reviews from all customers, making it hard to distinguish between comments from its borrowers and lenders. The overwhelming majority of reviews are from happy borrowers. It’s nice as a lender to… Read more

Learn From Northern Provident Investments To Stay Out Of Trouble

Northern Provident Investments was a company I’d never even heard of that offered IFISAs. It recently shut down, possibly because it offered mini-bonds, which the FCA recently banned from mass-marketing. Clearly, it was small. It also seems likely it either didn’t offer P2P lending investments or that it was a blend of P2P lending and… Read more

Which P2P Lending Sites Are Profitable?

For many years, 4thWay has had a small, steady stream of requests from our readers to find out which P2P lending companies are profitable – which of them are making money. That’s why we have this guide, which we update kind of regularly. Lenders’ concern is that if these websites are not profitable then they… Read more

LendingCrowd Loses Its 4thWay PLUS Ratings

LendingCrowd* has taken the rare step of deciding to no longer publish its loan book or provide 4thWay with it on a regular basis. As a result of this large step back in transparency, LendingCrowd has lost all its 4thWay PLUS Ratings on all its lending accounts. I’m going to tell you about loan books,… Read more

Why P2P Lending Should Be A Sizeable Part Of Your Retirement Planning

Has P2P lending outperformed long-run returns from the stock market, and with more stability? Where to look for information on shares I’d like to start by crediting the research on shares – and bonds – by Credit Suisse and the London Business School. If you can get hold of the Credit Suisse Global Investment Returns… Read more

Reserve Funds Don’t Give Full Protection, But There’s Something Better

RateSetter (which recently closed its P2P business with all lenders in profit after being sold to Metro Bank) and Lending Works* both had to adjust lending interest rates during the pandemic to cover the additional losses from the recession. Their reserve funds alone didn’t cover the full amount of bad debts. Some Assetz Capital* lenders… Read more

How To Lend Across Multiple IFISAs In One Year!

As you may know, you can only open one IFISA in a tax year, which runs from the 6th of April to the 5th of April, and this limits your ability to spread your money and the risks across lots of providers. But you’re wrong! You’re actually allowed to open lots of Innovative Finance ISAs… Read more

Why Does P2P Lending Pay Investors Higher Rates Than Bonds?

P2P lending often pays better than bonds and there are several reasons for this: Illiquidity Most people invest in bonds through bond funds, where they can sell their shares in those fund right away, even though the bondholders (the actual borrowers) have not repaid their debts yet. A lot of investors appreciate the possibility of… Read more

4thWay PLUS Rating Update On Lending Works. Assetz Capital Delayed

4thWay’s specialists have reassessed Lending Works’ ratings. This mostly involves reassessing the performance of their loans and stress testing them with horrible disaster scenarios, such as assuming a severe recession and property crash. In these circumstances, can lenders still end with an overall profit? The current 4thWay PLUS Ratings are for people lending money today…. Read more

Kuflink Enacts Changes In Response To Auditor Concerns On Governance

See the latest update on the subject below in Update On Kuflink’s Financial Results And Auditor Reports. Let’s catch up on 3/3 4thWay PLUS-Rated P2P lending company Kuflink* – which has had a stern ticking off from its former auditors, Ernst & Young, who resigned. Here are the key points: Kuflink’s former auditors found that… 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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