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Available as an IFISA

 
The 4thWay PLUS Ratings assume you spread your money across 6-12 different lending products and hundreds or thousands of loans until they're fully repaid by the borrowers, and focus on your overall returns across all loans and P2P lending sites, not individual performances. The ratings are based on interest rates and a forecast of the risk of borrowers not repaying their entire debts. There are other risks. It's your responsibility to ensure you understand all the risks before you lend.

Showing 29 IFISAs, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

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IFISA

RiskScore
Interest AfterBad Debts
Description
Get Details

Fixed Rate Classic Account/Fixed Rate IFISA
2/10 How do Risk Scores work?
3.54%
£440 m 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


Fixed Rate Classic Account/Fixed Rate IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
3.54%
Description
Get Details
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 £440 million in residential landlord mortgages since 2014. Internally assessed by…

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Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA
3/10 How do Risk Scores work?
7.40%
£80 m lent since 2014 secured on residential BTL & commercial property receiving rent, with optional auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.40%
Description
Get Details
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 first approved a loan in 2014 and has completed £80 million in loans. Proplend’s biggest strength is in the security…

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Growth Street ISA
3/10 How do Risk Scores work?
5.8%
£48 m since 2014 in secured business overdrafts, with large reserve fund, auto-lend, auto-diversification, & early exit for a fee. £2,000/5% CASHBACK AVAILABLE - read the Quick Expert Review below
IFISA


Growth Street ISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.8%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Growth Street Quick Expert Review: a professional company with solid defences against losses

Established in 2014 with total lent of £48 million. Growth Street’s loans are similar to…

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Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4/10 How do Risk Scores work?
8.47%
£70 m 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


Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.47%
Description
Get Details
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: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

HNW Lending has completed £70 million across 300 loans since 2014. Most of its loans are property loans, although it also completes loans…

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Bridging & Development Loans Account/IFISA
4/10 How do Risk Scores work?
7.84%
£50 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available
IFISA


Bridging & Development Loans Account/IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.84%
Description
Get Details
 
CrowdProperty Quick Expert Review: development lending as a low risk, high-interest rate opportunity

Established in 2015, lenders have lent £50 million to around 50 different borrowers in over 80 loans…

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Max Account/Max IFISA
4/10 How do Risk Scores work?
5.0%
£3.4 bn in personal, business and property development loans since 2010, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Cashback is available - read the Quick Expert Review
IFISA


Max Account/Max IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.0%
Description
Get Details
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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Manual Lending Account/Manual Lending IFISA
5/10 How do Risk Scores work?
6.5%
£910 m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA
IFISA


Manual Lending Account/Manual Lending IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
Get Details
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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Growth Account/Growth IFISA
5/10 How do Risk Scores work?
6.5%
£200 m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Growth Account/Growth IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
Get Details
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 Reviewgreat risk-reward balance, large reserve fund, and insured loans

Lending Works started in early 2014 and has completed £200 million in personal loans. Lending Works has strong defences…

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30-Day Access Account/30-Day Access IFISA
5/10 How do Risk Scores work?
5.22%
£910 m 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


30-Day Access Account/30-Day Access IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.22%
Description
Get Details
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 Account/Zopa Core IFISA
5/10 How do Risk Scores work?
4.5%
£4.5 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Zopa Core Account/Zopa Core IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.5%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

Zopa does UK personal loans to creditworthy individuals, repaid within five years. It started in 2005…

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Zopa Plus Account/Zopa Plus IFISA
6/10 How do Risk Scores work?
5.2%
£4.5 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Zopa Plus Account/Zopa Plus IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.2%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

Zopa does UK personal loans to creditworthy individuals, repaid within five years. It started in 2005…

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Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA
7/10 How do Risk Scores work?
9.94%
£80 m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA
IFISA


Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
9.94%
Description
Get Details
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 first approved a loan in 2014 and has completed £80 million in loans. Proplend’s biggest strength is in the security…

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Auto-Invest In Property & Asset Loans up to 70% LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
5/10 How do Risk Scores work?
7.00%
£70 m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Minimum investment is £10K (£5k in an IFISA), spread across dozens of loans
IFISA


Auto-Invest In Property & Asset Loans up to 70% LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.00%
Description
Get Details
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: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

HNW Lending has completed £70 million across 300 loans since 2014. Most of its loans are property loans, although it also completes loans…

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Self-Select Account/Self-Select IFISA
6/10 How do Risk Scores work?
7.31%
£70 m since 2014 in business loans, with early exit. Available in an IFISA
IFISA


Self-Select Account/Self-Select IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.31%
Description
Get Details
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 £70 million in loans…

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Growth & Income Accounts/Growth & Income IFISAs
6/10 How do Risk Scores work?
6%
£70 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Growth & Income Accounts/Growth & Income IFISAs
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6%
Description
Get Details
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 £70 million in loans…

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Premium Account (60-day free access or 1% fee)/Premium IFISA
N/A
5.0%
£3m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & free early access in 60 days. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below
IFISA


Premium Account (60-day free access or 1% fee)/Premium IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.0%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Established in 2018, lenders have lent around £3 million. Loanpad* partners with a family firm that’s…

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Classic Account (free early exit)/Classic IFISA
N/A
4.0%
£3 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & early exit. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below
IFISA


Classic Account (free early exit)/Classic IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.0%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Established in 2018, lenders have lent around £3 million. Loanpad* partners with a family firm that’s…

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Asset-Secured Lending/also in an IFISA
4thWay Unrated
Too little info provided
N/A
10%
£90 m since 2015 secured on cars & boats, & short-term property (bridging) & developments. Available in an IFISA
IFISA


Asset-Secured Lending/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
10%
Description
Get Details
 
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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Bridging & Development Loans/also in an IFISA
4thWay Unrated
History too small
N/A
9.8%
£40 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA
IFISA


Bridging & Development Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
History too small
RiskScore
Interest AfterBad Debts
9.8%
Description
Get Details
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 over £40 million since launch in 2016. CapitalRise’s focus is prime central London…

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Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay Unrated
Too little info provided
N/A
8.39%
£36 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
IFISA


Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
8.39%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 

Secured Business Loans/also in an IFISA
4thWay Unrated
Too little info provided
N/A
8.07%
£90 m 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


Secured Business Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
8.07%
Description
Get Details
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 £90 million to business borrowers. Many…

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Business & Property Loans Account/IFISA
4thWay Unrated
Too little info provided
N/A
7.66%
£31 m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA
IFISA


Business & Property Loans Account/IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
7.66%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table. The interest rates shown are a conservative estimate, since Crowd2Fund doesn't supply enough information.
 
Crowd2Fund Quick Expert Review: needs to provide more information to prove its inexperienced team are capable of maintaining good results into the future

Crowd2Fund, which started small business peer-to-peer lending in 2015, has now lent £31 million. You can…

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Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
4thWay Unrated
Too little info provided
N/A
7.00%
£62 m since 2014 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
IFISA


Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
7.00%
Description
Get Details
 
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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Business And Property Loans/also in an IFISA
4thWay Unrated
Too little info provided
N/A
7%
£320 m since 2011 in secured business loans & short-term property (bridging) & development loans, with early exit. Available as an IFISA
IFISA


Business And Property Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
7%
Description
Get Details
 
ThinCats Quick Expert Review: high rates and high bad debts – could do with more information

ThinCats is large and established, with lending in the hundreds of millions since 2011. Its organised…

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Senior Property & Renewable Energy Loans/also in an IFISA
4thWay Unrated
Too little info provided
N/A
5.00%
£110 m 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


Senior Property & Renewable Energy Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
5.00%
Description
Get Details
Interest rates shown are a conservative guess from 4thWay due to limited data
 
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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Balanced Account/Balanced IFISA
4thWay Unrated
Too little info provided
N/A
4.5%
£5.8 bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Balanced Account/Balanced IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
4.5%
Description
Get Details
 
Funding Circle Quick Expert Review: interest rates worry me, and it’s become too difficult for lenders and analysts to assess its performance

Funding Circle has completed £5.4 billion in loans to UK-based businesses, with…

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Conservative Account/Conservative IFISA
4thWay Unrated
Too little info provided
N/A
4.3%
£5.8 bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Conservative Account/Conservative IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
4.3%
Description
Get Details
 
Funding Circle Quick Expert Review: interest rates worry me, and it’s become too difficult for lenders and analysts to assess its performance

Funding Circle has completed £5.4 billion in loans to UK-based businesses, with…

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Octopus Choice Account/Octopus Choice IFISA
4thWay Unrated
PLUS Rating pending...
N/A
4.0%
£410 m in residential and commercial buy-to-let loans & short-term property (bridging) loans, some of which convert to BTL, since 2016, secured with first loss to Octopus Choice, auto-lend, auto-diversification & early exit. IFISA available
IFISA


Octopus Choice Account/Octopus Choice IFISA
4thWay® PLUSRating
4thWay Unrated
PLUS Rating pending...
RiskScore
Interest AfterBad Debts
4.0%
Description
Get Details
 
Octopus Choice Quick Expert Review: offers something different that could add to your current P2P lending

Established in 2016, lenders using Octopus Choice have lent £410 million to property borrowers…

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"A" to "C" Business Loans/available in an IFISA
4thWay Unrated
PLUS Rating pending...
N/A
3.0%
£16 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


"A" to "C" Business Loans/available in an IFISA
4thWay® PLUSRating
4thWay Unrated
PLUS Rating pending...
RiskScore
Interest AfterBad Debts
3.0%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Get more detailson 1-5 selected results
1
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.

For a list of the P2P lending sites that aren’t listed above, and the reasons why they are missing, read this FAQ: Why don’t you list LendInvest, Wellesley & Co., and some others?

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.

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