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List Of All The Peer-To-Peer Lending Companies In The UK

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This page was last updated on 20 November, 2021

The number and type of P2P lending companies operating from the UK changes regularly. We keep this page updated every quarter.

On this page, you'll find:

Click on the name of the P2P lending company below to scroll to its summary further below on this page.

Full alphabetical list of the peer-to-peer lending companies in the UK

Sources: 4thWay Data; the peer-to-peer lending companies; HM Revenue & Customs.

Ablrate

Ablrate does property development lending, bridging lending, secured business lending, and lending secured against assets, such as aircraft or machinery. Its property loans may be secured against residential or commercial properties.

Ablrate provides the public with a very useful and clear set of statistics on its website, but it doesn't provide 4thWay with detailed data.

The last we heard, it didn't classify itself as P2P lending, but it passes our more practical definition.

However, it isn't listed on 4thWay, because it hasn't gone through our intensive assessment.

Abundance

Abundance is one of the few P2P lending companies in the UK that focuses exclusively on lending to energy infrastructure projects, such as wind turbines.

It provides negligible information to the public regarding its loan performance and/or average rates and it doesn't provide 4thWay with data.

It's not listed on 4thWay, because it hasn't gone through our intensive assessment.

The last we heard, it didn't classify itself as P2P lending, but it passes our more practical definition.

ArchOver

ArchOver does UK business loans that are preferably secured on business borrowers' outstanding customer invoices. It also does some unsecured lending to businesses expecting tax rebates or tax credits

ArchOver provides little in the way of information or plain statistics to the public.

It's listed on 4thWay, because it went through our intensive assessment. However, it has not provided us with detailed data for a long time.

Assetz Capital

Assetz Capital* does business lending that's all secured on property: loans and mortgages to buy-to-let landlords and to owners of commercial properties that are being let out, bridging lending, and property development lending.

It shows a large number of useful statistics on its website, with most of those found here.

It also provides detailed data to 4thWay on a regular basis.

Assetz Capital is listed on 4thWay, having gone through our intensive assessment.

Assetz Exchange Limited

This is a completely separate lending platform to Assetz Capital, although the two are connected in a modest way.

This is certainly an odd one out in P2P lending in the UK, in that Assetz Exchange effectively sets up multiple, bankruptcy-remote borrower companies itself and lets out the properties. Each separate company houses one loan and thus Assetz Exchange is not one borrower, with the risk of bad debts of one loan contaminating the other, but instead becomes multiple borrowers, with segregated risks. Technically, this passes our current definition of P2P lending, but it's borderline.

Assetz Exchange focuses on long-term property loans, such as buy-to-let or social housing. Lenders vote to decide whether to renew these long-term loans or whether Assetz should sell the properties. If Assetz Exchange is told to sell, lenders benefit from a small share in any rise in value of the property. It tries to reverse the buy-to-let trend by buying from existing landlords, renting out for a bit, and then selling on to home buyers.

Assetz Exchange also does a very specific form of property development lending, where developers purchase land, install services such as gas and roads, and then sell to other developers to build on for a higher price.

Assetz Exchange has some limited information and statistics on its site, but it's so new that more detailed statistics at this stage are, perhaps, less valuable.

This peer-to-peer lending company isn't listed on 4thWay, but it's currently going through our intensive assessment.

AxiaFunder

AxiaFunder is the only peer-to-peer lending company in the UK that is exclusively focused on funding legal action on behalf of borrowers, who are taking someone else to court. Lenders get repaid with interest if and when the defendant pays the borrower compensation.

AxiaFunder shows some useful statistics. It doesn't regularly provide data to 4thWay, although it's probably too early for that to be meaningful at this stage.

This peer-to-peer lending company isn't listed on 4thWay, but it's shown willing to go through our intensive assessment.

BLEND Network

BLEND Network does property development and bridging lending. The properties can be residential or commercial.

It has some useful statistics on its website, but not enough to fully understand its performance.

While it doesn't provide regular detailed data to 4thWay, it does answer our questions and provide more aggregated statistics whenever we ask for them. It's listed on 4thWay, having gone through our intensive assessment.

CapitalRise

CapitalRise does property development lending and bridging lending to developers. All properties are residential properties or conversions to residential.

It has negligible statistics on its website, but it provides detailed data to 4thWay and the key person always ready to meet us to answer all our questions.

It's listed in the 4thWay comparison tables after going through our lengthy procedures.

CapitalStackers

CapitalStackers* does lending where other loans get repaid before yours in the event your loan turns bad. You do property development lending, bridging lending, and loans and mortgages to buy-to-let landlords, as well as to owners of commercial properties that are being let out.

It shows a large number of useful statistics on its website, with most of those found here.

It also provides detailed data and information to 4thWay on a regular basis.

CapitalStackers is listed on 4thWay, as it has completed our intensive assessment.

CARLTON Bonds (formerly MAVEN) (Growth Capital Ventures)

When you lend through CARLTON Bonds, you lend to property developers to develop properties for sale. The properties could be residential or commercial.

It provides little in the way of useful information or statistics on its website for potential lenders to get to understand what it does or how well it does it.

CARLTON Bonds hasn't gone through a 4thWay assessment, so it's not listed.

It's not certain at this stage whether CARLTON Bonds is genuinely peer-to-peer lending.

Crowd2Fund

Crowd2Fund* does business lending.

It has some public statistics that are quite useful, but it could do with some more to give lenders a clearer understanding of its performance.

It doesn't provide detailed data to 4thWay, but it did go through the intensive listing process to be shown in our comparison tables.

Crowdestates

This provider, Crowdestates (with an “s” at the end) has its registered head office in London, but it isn't to be confused with “Crowdestate” (with no “s”), which is a different P2P lending company operating from continental Europe.

Lenders using Crowdestates fund property developments. All of them have a positive impact on the community, although it's unclear how Crowdestates defines this. So far, we have seen loans against residential properties, but it's unclear whether applications from owners of commercial properties will also be considered.

Crowdestates provides very limited information and statistics for lenders on its website; it's possible that it has only had one unique borrower so far.

Crowdestates hasn't gone through the detailed, investigative process to get listed on 4thWay.

Crowd for Angels

Crowd for Angels is for secured business lending.

It has negligible statistics on its website, it doesn't provide 4thWay with data and it's not gone through our lengthy listing checks and analyses.

It's therefore not listed in the 4thWay comparison tables.

CrowdProperty

Through CrowdProperty, you do property development lending and bridging lending. All loans are on residential property or conversions to residential.

CrowdProperty has useful statistics on its website and it provides a large amount of data to 4thWay.

Having completed our deep assessment, CrowdProperty is listed in the 4thWay comparison tables.

Crowdstacker

Lenders using Crowdstacker do secured business lending.

Crowdstacker has some useful statistics, but it doesn't provide data to 4thWay.

Crowdstacker has not gone through 4thWay's detailed assessment, so it's not listed.

Downing Crowd

Secured, short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. The property loans can be residential or commercial.

Downing Crowd doesn't show quite everything it should on its website, but it does have useful tables of its past loans in its “bond book”.

While Downing Crowd doesn't provide regular data, it has gone through 4thWay's intensive listing process and so you'll find it in our comparison tables.

easyMoney

easyMoney mostly does bridging lending but also does property development lending. The properties can be residential or commercial.

It has some useful statistics on its site, but not quite enough to get an overview of the risks or of its performance.

easyMoney doesn't provide data to 4thWay and it hasn't gone through our week's-long assessment to be listed.

Elfin Market

Lenders using Elfin Market are doing lending through an app that is a kind of electronic credit card. This is the only P2P lending company in the UK focused on credit card-type lending.

Elfin Market has just a few statistics and it hasn't yet started providing detailed submissions to 4thWay.

Elfin Market is not yet listed on 4thWay.

Folk2Folk

Lenders using Folk2Folk do bridging lending and business lending secured on real property. Properties can be residential or commercial.

The statistics on its website are good, although a few more details would bring more certainty.

Folk2Folk hasn't yet gone through 4thWay's listing process.

Freeducation

Freeducation is currently one of just two UK-based P2P lending company that lends to fund people's education. It's very small loans, such as to help buy books.

It has no statistics on its website, but it was just founded in 2021 and it's not had many loans, so statistics would probably be meaningless at this stage.

Freeducation has not gone through 4thWay's rigorous listing process.

Freeducation lending is not regulated by the FCA or any other regulator. It's unknown to us whether it's peer-to-peer lending by 4thWay's definition.

Funding Circle

Funding Circle does small business lending.

It has some useful statistics on its website.

It doesn't provide detailed data to 4thWay, but it did go through our intensive process to get listed. (It's not currently displayed in our comparison tables, because new P2P lending was suspended due to the pandemic. But you can still access the Funding Circle Review from one of 4thWay's specialists in that separate page.)

Fund Ourselves (formerly Welendus)

Fund Ourselves is one of just two P2P lending companies in the UK that is focused on payday lending.

It has no statistics page on its website and it doesn't provide detailed data or information to 4thWay on a regular basis.

Fund Ourselves has not gone through 4thWay's intensive assessment for listing in the comparison tables.

FutureBricks

FutureBricks is for lenders who want to do development lending against residential properties or conversions to residential.

It has some public statistics, but doesn't provide detailed data to 4thWay and hasn't gone through our listing process.

Unusually, FutureBricks lending is not regulated by the FCA or any other regulator. It's unknown to us whether FutureBricks is genuinely peer-to-peer lending by 4thWay's definition.

Guarantor My Loan (Match the Cash Limited)

Lenders lend to borrowers who might have low income or a poor credit record, but the loans are guaranteed by a homeowner, e.g. the parent of the loan applicant. This is the only peer-to-peer lending company in the UK that focuses on guarantor loans.

Guarantor My Loan has very few statistics.

It doesn't provide detailed data to 4thWay and hasn't submitted itself to our checks and assessments for listing.

HNW Lending

Lenders using HNW Lending* do lending to people with a lot of wealth in property, vehicles or other assets. The vast majority of loans are short-term property loans. The properties can be residential or commercial.

HNW Lending publicly provides some statistics, but not enough to understand the risks. It does, however, provide 4thWay with regular, highly detailed submissions of data.

HNW Lending has gone through 4thWay's intensive listing process and is therefore shown in the comparison tables.

An increasing proportion of lending through HNW Lending is not regulated by the FCA, due to the purpose and legal structure of those loans. HNW Lending does do the occasional loan where the properties are based in another country, although the borrower is always UK resident.

Invest & Fund

Invest & Fund does development lending and bridging lending. All loans are on residential property or conversions to residential.

It provides some useful statistics on its website, but it needs more.

Invest & Fund submits highly detailed data to 4thWay on a regular basis and it has gone through our rigorous process to be listed in the comparison tables.

JustUs

Lenders using JustUs can do bridging lending, lend to buy-to-let landlords and also find some more unusual loans. The property loans can be residential or commercial.

While it shows some summary statistics, you need to analyse its full book of loans, which it also publishes. Between the statistics and its loan book, you get a fair bit of the figures you need to assess this P2P lending company.

JustUs doesn't provide detailed data to 4thWay and it hasn't gone through our listing process.

Kuflink* does bridging lending and development lending against residential or commercial properties.

It has limited statistics on its website, but it provides highly detailed data to 4thWay on a regular basis.

Kuflink is listed in 4thWay's comparison pages, after going through our intense investigations.

LandlordInvest

It mostly does bridging lending, but also some residential buy-to-let lending and lending to owners of commercial properties.

Between its statistics page and its published book of loans, lenders have a lot of information to assess performance.

LandlordInvest provides data to 4thWay and has gone through our rigorous assessment to be listed.

Leap

Lenders lend to individuals, so these are personal loans.

Leap has no statistics and hasn't provided any details to 4thWay.

LendingCrowd

Lenders using LendingCrowd* do business lending.

It used to be a lot more free with its statistics and data, but it now has little in the way of useful statistics on its website and doesn't provide data to 4thWay.

It went through our lengthy assessment, so it's still listed on 4thWay. (However, it's not currently displayed in our comparison tables, because new P2P lending was suspended due to the pandemic. You can still access the LendingCrowd Review.)

Lending Works

Lending Works* does personal lending.

It has a fair amount of statistics on its website, so that you can understand its overall performance to a reasonable extent, although it could do better.

Lending Works provides 4thWay with detailed data submissions. It has completed our rigorous assessment and is therefore listed in the comparison tables.

Lendwise

Lendwise is currently one of just two UK-based P2P lending company that lends to fund people's education. It's also the only one that funds large sums to cover graduate studies.

It's got some good performance statistics on its website for lenders.

Lendwise doesn't provide detailed data to 4thWay and hasn't submitted itself to our intensive assessment.

Loanpad

Loanpad* lenders lend in development loans on mostly residential properties.

It has some brief but useful statistics on its website.

Loanpad provides very detailed data to 4thWay on a regular basis and it's gone through our rigorous assessment. It's in the comparison tables.

MarketFinance

MarketFinance does lending to businesses secured against those borrowers' outstanding customer invoices.

It has some statistics, although 4thWay's specialists particularly find its total lent figure to be calculated inappropriately and therefore massively overstating its scale.

MarketFinance doesn't provide data to 4thWay and hasn't gone through the intensive assessment for listing in our comparison tables.

Money&Co

Lenders lend to businesses.

Money&Co has some statistics, but not enough to assess performance in full.

It doesn't provide data to 4thWay.

While it did go through our intensive assessment, we have found it too difficult to get enough fresh information from or about Money&Co for us to be able to keep it listed in the 4thWay comparison tables.

The Money Platform

The Money Platform is one of just two P2P lending companies in the UK that do payday lending.

It has no useful statistics on its website, it doesn't provide 4thWay with detailed data and hasn't got through our intensive assessment to be listed in the comparison pages.

Property Moose

Property Moose has not been available for new lending for some time. It continues to state it will re-open, but this isn't certain and we don't know if it will still be doing P2P lending when it does.

Propio

Propio does bridging lending and development lending.

It has negligible performance statistics on its website and doesn't provide detailed data to 4thWay.

Propio got through much of 4thWay's assessment before it paused for a long time. We hope that it will now be able to complete and be listed on 4thWay.

Proplend

Proplend* does lending to residential buy-to-let landlords and to landlords who are renting out commercial properties, as well as bridging loans, plus some VAT loans.

It provides useful statistics on its website for lenders.

Proplend gives 4thWay a lot of detailed data on a regular basis. It's listed in the comparison tables after completing our rigorous  assessment.

Rebuildingsociety

Rebuildingsociety* does business lending. The loans are often secured, although loosely so compared to much other business lending.

It has a lot of useful statistics on its website and it publishes its full book of loans there.

4thWay has completed its intensive assessment into Rebuildingsociety, so it's listed in the comparison tables.

Relendex

Bridging lending, property development lending, lending against property receiving rent and lending to wind energy projects. The property loans can be residential or commercial.

Relendex has some useful statistics on its website, but it doesn't provide detailed data to 4thWay.

It went through 4thWay's intensive assessment, so it is listed in the comparison tables.

Rockpool

Rockpool does both secured lending and unsecured lending to businesses.

It has no statistics to speak of on its website and provides no data to 4thWay.

It hasn't gone through 4thWay's assessment.

ShareCredit

Lenders using ShareCredit do business lending.

It's got a small number of performance statistics on its website.

It doesn't provide data to 4thWay and isn't listed in the comparison tables.

Simple Crowdfunding (Focus 2020 Limited)

Simple Crowdfunding mostly does development lending and bridging lending. It will consider lending against any type of property.

It has almost no performance statistics on its website for lenders, it provides no data to 4thWay and it's not listed on 4thWay.

SoMo

SoMo does bridging lending and property redevelopment lending. The properties could be residential or commercial.

It has some performance statistics on its website, but these are often very out-of-date.

SoMo doesn't currently provide data to 4thWay, but it's in discussions to start doing so. It's listed in the comparison tables, having gone through our specialists' intense assessment.

Sourced Capital

Sourced Capital does property redevelopment lending. The properties are either residential or mixed-use (e.g. buildings with commercial and residential tenants in them).

It has some performance statistics on its website, but they need more details for them to be truly useful.

Sourced Capital doesn't provide data to 4thWay, but it's listed in the comparison tables, having gone through our specialists' intensive assessment. (It's currently not showing in the comparison tables, as new lender registrations are still temporarily suspended since the pandemic started. But you can still read our specialists' review of Sourced Capital here.)

Triodos Bank

Triodos is unique in the UK peer-to-peer lending space. It mostly does lending to environmental, animal welfare and renewable projects and companies, as well as to local clubs and charities, and businesses in sustainable or organic food.

Triodos Bank doesn't have any performance statistics on its website and provide no detailed data feeds to 4thWay.

Triodos doesn't currently have the capacity to go through 4thWay's intensive assessment for listing.

Unbolted

Unbolted is currently the only peer-to-peer lending company in the UK that is focused mostly on lending against high-value items, such as gold and jewellery.

It has quite a few statistics, but they need more clarity for lenders to get a proper overview of its performance.

It doesn't provide data to 4thWay.

It did go through 4thWay's intensive assessment, but with too little fresh information it has been removed from the 4thWay comparison tables.

WiseAlpha

WiseAlpha does business lending.

Its website statistics have negligible value, since they talk about the performance of the overall market and not of WiseAlpha loans themselves.

WiseAlpha doesn't provide data to 4thWay and isn't listed in our comparison tables.

What is the definition of peer-to-peer lending companies in the UK?

The definition of peer-to-peer lending is online direct lending between individual lenders and borrowers, or legal means to effectively achieve the same.

There's no legal definition of P2P lending, so that is our definition, which is a pragmatic definition focused on what matters to lenders.

The main point is that the lender is lending directly to the borrower or has the risks of lending minimised as if they were directly lending. This eliminates the risk that borrower repayments will be diverted to pay off the outstanding debts of the P2P lending company itself, if it were to go out of business.

Peer-to-peer lending UK companies can work with any of the features shownIn peer-to-peer lending, borrowers could be individuals or businesses. The loans could be property loans or other kinds of loans. And lenders' might select loans themselves or see their money automatically lent out.

None of those aspects are part of the definition of P2P lending, as all of those models fit our definition. Click the image to see more on the variety of features available in this form of investment.

This list is for peer-to-peer lending companies in the UK, which means that they're headquartered in Great Britain or Northern Ireland.

To meet the definition, a P2P lending company also has to be regulated in the UK, except in the rare cases where some or all lending isn't regulated at all.

The website and lending account terms also need to be subject to the legislation and jurisdiction of the United Kingdom.

Some companies claim to offer peer-to-peer lending accounts or IFISAs, but we can't always find the accounts on their websites. In this case, we take it that they're either no longer offered or they are a pipe dream, and therefore they do not make the list below.

When providers interpret differently whether they're P2P lending

Some of the UK's P2P lending companies don't call themselves P2P. This can either be for the purposes of appearing different or because they have a narrower definition of P2P lending.

Conversely, you get non-P2P lending companies that call themselves P2P. These could be investment companies that have the ambition of adding P2P lending to their product range, they misunderstand what P2P is, or they have a different definition, potentially for marketing purposes.

For these reasons, you might see providers in our list, based on our definition, when the provider itself denies being P2P lending.

Or you might not find one of the companies here that claims to be P2P. (You can identify these with the number “1” in this FAQ.)

Where are UK peer-to-peer lending companies' borrowers located?

When peer-to-peer lending companies operate from the UK, borrowers are almost always located in the UK too, with loans in pounds sterling. Occasionally, though, you get borrowers overseas or the property that the loans are secured are on overseas. These loans can be in foreign currencies.

Risks of lending through peer-to-peer lending companies in the UK

The average risk of doing peer-to-peer lending in the UK is lower than owning equity in a property or owning shares, on average. This is because lenders are higher up the food chain in the event something goes wrong, and can get their money back or make a profit more easily in those circumstances.

It's also because it's usually somewhat easier to measure the overall level of risk from a basket of loans than from owning a basket of shares.

The risk of a sudden loss is higher than savings accounts, especially if you don't adopt a simple, sensible lending strategy. But the risk of gradual losses to inflation is far, far lower with peer-to-peer lending than savings accounts.

However, as with any type of investment, there's a wide range of risk and potential reward to choose from. For more on the risks, you can see The 10 Key Peer-To-Peer Lending Risks. And you could read Peer-to-Peer Lending Vs Other Investments.

Why statistics and data are important in the UK market

Lenders using UK-based peer-to-peer lending companies have the benefit of a lot of resources, as well as deservedly high expectations in terms of the information that is available to assess these providers.

In the list above, we mention if they have sufficient statistics. This is useful to show that they're willing to share their performance and necessary for beginning to grasp the risks and whether the interest is enough to cover those risks.

Statistics and data are a starting point for your research and are most useful as a simple way to narrow down your shortlist of possible lending accounts. Without being able to see how they claim to have performed in sufficient detail, there's little point investigating further.

Once you have seen some statistics, you'll then need to dig a lot deeper into the people and processes, and look for ways to confirm the claims that the P2P lending company is making.

4thWay gets far more detailed data and access, so we often have, and are able to write about, performance and loan characteristics in a much deeper way.

4thWay's intensive assessments of peer-to-peer lending companies in the UK

We mention above in the list peer-to-peer lending companies in the UK if they have gone through 4thWay's intensive assessment. Doing so means they are then listed in 4thWay's comparison tables with a review from one of 4thWay's specialists.

If 4thWay is given the access to assess and list a P2P lending company, it doesn't mean 4thWay's specialists are recommending it. (Although in practice, better quality P2P lending companies tend to go through the whole process, because weaker ones avoid intense scrutiny.) You'll need to check out its entry in the comparison tables to form a view or read 4thWay's specialists' thoughts.

To be listed, they have to:

  • Provide information and data on over 100 different aspects of their business.
  • Answer email Q&As.
  • Key decision makers meet 4thWay's specialists at least once to discuss people, processes and the business model in general.
  • 4thWay scrutinises documents and other submitted data.
  • 4thWay then conducts further independent research and analysis, and checks entries in databases, such as the financial regulator's register and the companies registrar.
  • Finally, there are usually more questions to wrap it up.

Where a P2P lending company is not listed on 4thWay (which is the case for all the providers who haven't submitted themselves to weeks of assessments from 4thWay's specialists), we have usually not been able to conduct thorough due diligence to ensure that the lending really is P2P or that they're genuinely authorised to do what they're doing.

In other words, there's risk that those companies have snuck into the list of peer-to-peer lending companies in the UK when they shouldn't be.

You may also be interested in

UK Peer-to-Peer Lending For Overseas Residents.

23 Property Peer-to-Peer Lending Websites.

The 6 Best P2P Lending Accounts In 2021.

Which P2P Lending Sites Are Profitable?

Can My Business Lend Through P2P Lending Sites?

Pages mentioned above:

The 10 Key Peer-To-Peer Lending Risks.

Peer-to-Peer Lending Vs Other Investments.

Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.

We are not financial advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.

The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by the ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.

*Commission and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from Assetz Capital, CapitalStackers, Crowd2Fund, HNW Lending, Kuflink, LendingCrowd, Lending Works, Loanpad, Proplend and Rebuildingsociety, and other P2P lending companies not mentioned above when you click through from our website and open accounts with them. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.

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.

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 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.

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