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Comparing IFISAsCompare all peer-to-peer lending products, including IFISAs

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Read all our P2P lending guides Read our IFISA guide Which P2P lending sites are not on 4thWay and why?

Showing 28 IFISAs, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

Get more detailson 1-5 selected results
IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
Description
Get Details

Fixed Rate Classic Account. AVAILABLE IN AN IFISA
 2/10 How do Risk Scores work?
3.54%
£210m in residential buy-to-let loans since 2014, secured with reserve fund, auto-lend & early exit. IFISA available if you lend at least £5,000
£210m in residential buy-to-let loans since 2014, secured with reserve fund, auto-lend & early exit. IFISA available if you lend at least £5,000 IFISA details
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IFISA
Fixed Rate Classic Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
3.54%
Description
£210m in residential buy-to-let loans since 2014, secured with reserve fund, auto-lend & early exit. IFISA available if you lend at least £5,000 IFISA details
Get Details
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Landbay Quick Expert Review: strict lending criteria and low-risk BTL mortgages for lenders

Landbay has completed over £100 million in residential landlord mortgages since 2014. Internally assessed by…

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Tranche A, 0-50% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA
 3/10 How do Risk Scores work?
7.33%
£50m lent since 2014 secured on residential BTL & commercial property receiving rent, with optional auto-lend, auto-diversification & early exit. Available in an IFISA
£50m lent since 2014 secured on residential BTL & commercial property receiving rent, with optional auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
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IFISA
Tranche A, 0-50% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.33%
Description
£50m lent since 2014 secured on residential BTL & commercial property receiving rent, with optional auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Proplend Quick Expert Review: fantastically good security backed up by steady borrower income

Proplend’s biggest strength is in the security, which is always properties that are earning rather…

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SENIOR Property And Asset Loans Under 50% Average LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
 4/10 How do Risk Scores work?
8.80%
£60m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA)
£60m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA) IFISA details
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IFISA
SENIOR Property And Asset Loans Under 50% Average LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.80%
Description
£60m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA) IFISA details
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
HNW Lending Quick Expert Review: the most secure loans in the industry (if you’re selective), plus highly personalised service

HNW Lending has completed tens of millions in loans since 2014. Its key decision maker has a decade’s…

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5-Year Lending. AVAILABLE IN AN IFISA
 4/10 How do Risk Scores work?
6.5%
£140m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA
£140m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
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IFISA
5-Year Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
£140m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Lending Works Quick Expert Review: low bad debts, a reserve fund and insured loan repayments

The word “strong” doesn’t even begin to describe the defences this personal loans P2P…

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The 5 Year Market Everyday Account. AVAILABLE IN AN IFISA
 4/10 How do Risk Scores work?
5.8%
£2.9bn in personal, business and property development loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA. Cashback available - read the Quick Expert Review
£2.9bn in personal, business and property development loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA. Cashback available - read the Quick Expert Review IFISA details
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IFISA
The 5 Year Market Everyday Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.8%
Description
£2.9bn in personal, business and property development loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA. Cashback available - read the Quick Expert Review IFISA details
Get Details
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
RateSetter Quick Expert Review: professional business with a good record

Established in 2010 and with lending measured in billions, this agile P2P lending company has…

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Property Secured Account. AVAILABLE IN AN IFISA
 4/10 How do Risk Scores work?
5.64%
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
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IFISA
Property Secured Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.64%
Description
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
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Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Assetz Capital Quick Expert Review: fantastic results from unique property and secured business loans

Assetz Capital is established and large, with lending in the hundreds of millions since 2013. Its key team…

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Manual Lending Account. AVAILABLE IN AN IFISA
 5/10 How do Risk Scores work?
6.5%
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Manual Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA IFISA details
Get Details
Go to site >
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Assetz Capital Quick Expert Review: fantastic results from unique property and secured business loans

Assetz Capital is established and large, with lending in the hundreds of millions since 2013. Its key team…

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Great British Business Account Series 2. AVAILABLE IN AN IFISA
 5/10 How do Risk Scores work?
6.43%
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Great British Business Account Series 2. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.43%
Description
£670m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Assetz Capital Quick Expert Review: fantastic results from unique property and secured business loans

Assetz Capital is established and large, with lending in the hundreds of millions since 2013. Its key team…

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Zopa Core. AVAILABLE IN AN IFISA
 5/10 How do Risk Scores work?
4.5%
£3.8bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
£3.8bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Zopa Core. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.5%
Description
£3.8bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
 
Zopa Quick Expert Review: the oldest P2P lending company and with a fantastic record

The first P2P lending website in the world, started in 2005, and with lending measured in billions…

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Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA. AVAILABLE IN AN IFISA
 7/10 How do Risk Scores work?
8.53%
£50m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA
£50m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.53%
Description
£50m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Proplend Quick Expert Review: fantastically good security backed up by steady borrower income

Proplend’s biggest strength is in the security, which is always properties that are earning rather…

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Zopa Plus. AVAILABLE IN AN IFISA
 7/10 How do Risk Scores work?
5.2%
£3.8bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
£3.8bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Zopa Plus. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.2%
Description
£3.8bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
 
Zopa Quick Expert Review: the oldest P2P lending company and with a fantastic record

The first P2P lending website in the world, started in 2005, and with lending measured in billions…

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JUNIOR Property And Asset Loans up to 70% LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
 7/10 How do Risk Scores work?
7.47%
£60m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA)
£60m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA) IFISA details
Go to site >
IFISA
JUNIOR Property And Asset Loans up to 70% LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.47%
Description
£60m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA) IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
HNW Lending Quick Expert Review: the most secure loans in the industry (if you’re selective), plus highly personalised service

HNW Lending has completed tens of millions in loans since 2014. Its key decision maker has a decade’s…

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Self-Select Account. AVAILABLE IN AN IFISA
 7/10 How do Risk Scores work?
7.39%
£48m since 2014 in business loans, with early exit. Available in an IFISA. £500 CASHBACK AVAILABLE - read the Quick Expert Review below
£48m since 2014 in business loans, with early exit. Available in an IFISA. £500 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA details
Go to site >
IFISA
Self-Select Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.39%
Description
£48m since 2014 in business loans, with early exit. Available in an IFISA. £500 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
LendingCrowd Quick Expert Review: good results from a unique opportunity

LendingCrowd has been growing slow and steady since 2014 and has done tens of millions of pounds of…

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Growth & Income Accounts. AVAILABLE IN AN IFISA
 7/10 How do Risk Scores work?
6%
£46m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
£46m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Growth & Income Accounts. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6%
Description
£46m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
LendingCrowd Quick Expert Review: good results from a unique opportunity

LendingCrowd has been growing slow and steady since 2014 and has done tens of millions of pounds of…

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Asset-Secured Lending. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
4%
£180m since 2013 secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA
£180m since 2013 secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Asset-Secured Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4%
Description
£180m since 2013 secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA IFISA details
Get Details
Go to site >
Interest rates are a conservative guess from 4thWay, due to limited information about how many existing late loans are likely to be written off
 
FundingSecure Quick Expert Review: I still generally like what I can see, but I want more details and note the wide spread of risk in these higher-rate loans

FundingSecure’s own total lending figures on its website overstate its size, but adjusting for that it…

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Bridging & Development Loans. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
10.4%
£8m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA
£8m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Bridging & Development Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
10.4%
Description
£8m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
CapitalRise Quick Expert Review: will be surprised if this one isn’t a good’un

CapitalRise has completed around £10 million since launch in 2014. The key decision-maker has both a…

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Asset-Secured Lending. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
10%
£90m since 2015 secured on cars & boats, & short-term property (bridging) & developments. Available in an IFISA
£90m since 2015 secured on cars & boats, & short-term property (bridging) & developments. Available in an IFISA IFISA details
Go to site >
IFISA
Asset-Secured Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
10%
Description
£90m since 2015 secured on cars & boats, & short-term property (bridging) & developments. Available in an IFISA IFISA details
Get Details
Go to site >
 
MoneyThing Quick Expert Review: could be good, but we need more info about bad debts

MoneyThing has done tens of millions in lending since 2015. We have sparse information about the…

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Commercial Property, Energy Project And Development Loans. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
8.51%
£28m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
£28m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Commercial Property, Energy Project And Development Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.51%
Description
£28m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 

Secured Business Loans. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
7.80%
£80m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance to cover some losses, optional auto-lend & auto-diversification. Available in an IFISA
£80m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance to cover some losses, optional auto-lend & auto-diversification. Available in an IFISA IFISA details
Go to site >
IFISA
Secured Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.80%
Description
£80m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance to cover some losses, optional auto-lend & auto-diversification. Available in an IFISA IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
ArchOver Quick Expert Review: unique strengths are inhibited by sparse information on bad debts

Established in 2014, lenders using ArchOver have lent around £80 million to business borrowers. Many…

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Business & Property Loans. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
7.66%
£25.2m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA
£25.2m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Business & Property Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.66%
Description
£25.2m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Crowd2Fund Quick Expert Review: fine early results; interesting model for finding prime borrowers

Crowd2Fund, which started in 2015, is still small, barely hitting eight figures in lending, but it is growing rapidly…

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British Business Bonds. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
7.2%
£12m lent since 2014 in corporate bonds (interest only business loans). Available in an IFISA. Wealthy or sophisticated investors only
£12m lent since 2014 in corporate bonds (interest only business loans). Available in an IFISA. Wealthy or sophisticated investors only IFISA details
Go to site >
IFISA
British Business Bonds. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.2%
Description
£12m lent since 2014 in corporate bonds (interest only business loans). Available in an IFISA. Wealthy or sophisticated investors only IFISA details
Get Details
Go to site >
 

Kuflink Auto-Invest 5 Years. AVAILABLE AS AN IFISA
 N/A How do Risk Scores work?
7.00%
£30m since 2014 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
£30m since 2014 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA IFISA details
Go to site >
IFISA
Kuflink Auto-Invest 5 Years. AVAILABLE AS AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.00%
Description
£30m since 2014 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA IFISA details
Get Details
Go to site >
 
Kuflink Quick Expert Review: might be solid, but needs to be more up-front and clear

Established in 2016, Kuflink lenders have lent tens of millions to property developers and other property borrowers…

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Balanced Business Lending Account. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
6.0%
£4.2bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
£4.2bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Balanced Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.0%
Description
£4.2bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
 
Funding Circle Quick Expert Review: a very strong history, although with recent signs for caution

Funding Circle has a history measured in billions of pounds of loans stretching back to 2010, and…

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Kuflink Select-Invest
 N/A How do Risk Scores work?
6.0%
£30m since 2014 in secured short-term (bridging) & property development loans
£30m since 2014 in secured short-term (bridging) & property development loans
Go to site >
IFISA
Kuflink Select-Invest
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.0%
Description
£30m since 2014 in secured short-term (bridging) & property development loans
Get Details
Go to site >
 
Kuflink Quick Expert Review: might be solid, but needs to be more up-front and clear

Established in 2016, Kuflink lenders have lent tens of millions to property developers and other property borrowers…

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Senior Property And Renewable Energy Loans. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
5.42%
£70m since 2016 in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA
£70m since 2016 in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA IFISA details
Go to site >
IFISA
Senior Property And Renewable Energy Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.42%
Description
£70m since 2016 in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA IFISA details
Get Details
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Downing Crowd Quick Expert Review: its simpler loans could make a nice addition to your lending portfolio

Downing has been lending investors’ money since 2010. Its peer-to-peer lending branch opened in…

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Conservative Business Lending Account. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
5.0%
£4.2bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
£4.2bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
Conservative Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.0%
Description
£4.2bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Go to site >
 
Funding Circle Quick Expert Review: a very strong history, although with recent signs for caution

Funding Circle has a history measured in billions of pounds of loans stretching back to 2010, and…

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"A" to "C" Business Loans. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
5%
£13m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA
£13m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Go to site >
IFISA
"A" to "C" Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5%
Description
£13m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
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"A" to "C+" Business Loans. AVAILABLE IN AN IFISA
 N/A How do Risk Scores work?
0%
£10m in business loans rated "A-C" by Money&Co. Available in an IFISA
£10m in business loans rated "A-C" by Money&Co. Available in an IFISA IFISA details
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IFISA
"A" to "C+" Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
0%
Description
£10m in business loans rated "A-C" by Money&Co. Available in an IFISA IFISA details
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Money&Co. interest rate set to 0% because we do not have enough information to estimate interest earned after losses.
 
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Most items in our comparison tables are updated at least monthly with some items updated daily, weekly or monthly. 4thWay® PLUS Ratings and 4thWay® Risk Scores are updated roughly every six months. Sources: 4thWay® and the peer-to-peer lending companies.

Impartial. Accurate. Expert. Checked by users like you.

Commission and impartial research: you can compare IFISAs above for free. Some IFISA providers above compensate us when you open accounts. Read How We Earn Money Fairly with Your Help.

Accuracy: a panel of 4thWay’s users, chosen by yourselves, checks we’re being 100% candid.

Click on the checkboxes and click “Get more details”: to compare over 100 data points.

All P2P lending IFISAs are eligible be listed here if the IFISA providers give 4thWay and lenders enough information to assess them properly.

All IFISA providers offering peer-to-peer lending, please contact barrie@4thWay.co.uk to start the process to be listed.

Before clicking “Get more details”, use the checkboxes at the end of each comparison result, so that you can get much more detail on rates, risks, costs and unique options. You can select up to five results to compare in detail.

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You haven’t selected low-risk options only, so you might see some pretty risky options in this list.

Pay attention to the calculated 4thWay® Risk Ratings.

If you think of the risk of making a permanent loss as zero for a savings account, a 4thWay® Risk Rating of 1 is very low risk, while a rating of 50 is risky.

Ensure you get more than enough interest to compensate for riskier options.

Better yet, select low-risk options only from the filters list.

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Low risk, not no risk

While you’re much more likely to preserve your wealth with P2P lending than with savings accounts or cash ISAs, the safest P2P lending still comes with a very small additional risk of losing some money, and you might not be able to get your money back swiftly at all times.

If this is a problem for you, a top savings account is more appropriate for you.

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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 “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.

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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.

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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.

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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 “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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