Compare IFISAs

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The 4thWay PLUS Ratings in the IFISA comparison table assume you spread your money across 6-12 different lending accounts and hundreds or thousands of loans until they're fully repaid by the borrowers. Focus on your overall returns across all loans, IFISAs and P2P lending accounts, not individual performances. The ratings are based on interest rates and a forecast of the risk of borrowers not repaying all their debt. Understand all the risks before you lend. Ratings aren't everything. When you compare IFISAs, read the reviews to research which IFISAs are best. Find out how IFISAs qualify for listing here.

Showing 19 IFISAs, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

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IFISA

4thWay^® PLUSRating

RiskScore

Interest AfterBad Debts

Description

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Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA

How do 4thWay PLUS Ratings work?

3/10 How do Risk Scores work?

6.85%

£120 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with optional auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details

Visit Proplend

IFISA	Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	3/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.85% 6.85%
Description	£120 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with optional auto-lend, auto-diversification & early exit. Available in an IFISA £120 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with optional auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details	Visit Proplend
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

Proplend does secured property lending in the UK, usually to landlords of residential properties or commercial…

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Bridging & Development Loans Account/IFISA

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

7.73%

£130 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available IFISA details

Visit CrowdProperty

IFISA	Bridging & Development Loans Account/IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	4/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	7.73% 7.73%
Description	£130 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available £130 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available IFISA details
Get Details	Visit CrowdProperty
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CrowdProperty Quick Expert Review: development lending as a low risk, high-interest rate opportunity

Established in 2015, lenders have lent £130 million to around 50 different borrowers in over 167 loans…

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Premium Account (60-day free access or 1% fee)/Premium IFISA

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

4.00%

£36 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 & free early access in 60 days. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA details

Visit Loanpad

IFISA	Premium Account (60-day free access or 1% fee)/Premium IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	4/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.00% 4.00%
Description	£36 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 & free early access in 60 days. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below £36 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 & free early access in 60 days. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA details
Get Details	Visit Loanpad
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We earn commission from this peer-to-peer lending company and IFISA provider. 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 £36 million. Loanpad partners with a family firm that’s…

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Classic Account (free early exit)/Classic IFISA

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

3.00%

£36 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 details

Visit Loanpad

IFISA	Classic Account (free early exit)/Classic IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	4/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	3.00% 3.00%
Description	£36 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 £36 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 details
Get Details	Visit Loanpad
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We earn commission from this peer-to-peer lending company and IFISA provider. 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 £36 million. Loanpad partners with a family firm that’s…

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Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

8.59%

£96 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 details

Visit HNW Lending

IFISA	Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	8.59% 8.59%
Description	£96 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) £96 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 details
Get Details	Visit HNW Lending
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We earn commission from this peer-to-peer lending company and IFISA provider. 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 £96 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

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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)

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

7.00%

£96 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 details

Visit HNW Lending

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	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	7.00% 7.00%
Description	£96 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 £96 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 details
Get Details	Visit HNW Lending
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We earn commission from this peer-to-peer lending company and IFISA provider. 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 £96 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

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Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

7.00%

£129 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA. Cashback is available - read the Quick Expert Review IFISA details

Visit Kuflink

IFISA	Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	7.00% 7.00%
Description	£129 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA. Cashback is available - read the Quick Expert Review £129 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA. Cashback is available - read the Quick Expert Review IFISA details
Get Details	Visit Kuflink
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Kuflink Quick Expert Review: a profitable property lending record since 2011 and highly satisfactory lending results

Kuflink does loans to property owners requiring short-term (bridging) loans secured against their properties…

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Bridging & Development Loans IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

6.17%

£107 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders IFISA details

Visit Invest & Fund

IFISA	Bridging & Development Loans IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.17% 6.17%
Description	£107 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders £107 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders IFISA details
Get Details	Visit Invest & Fund
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Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Invest & Fund does residential bridging and development loans usually between £500,000 and £5 million, with a planned…

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Growth Account/Growth IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

4.5%

£220 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details

Visit Lending Works

IFISA	Growth Account/Growth IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.5% 4.5%
Description	£220 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA £220 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details	Visit Lending Works
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table. The rating shown is for new lending from 2021.

Lending Works Quick Expert Review: good risk-reward balance in ordinary times, but shocks are shaking confidence of existing lenders

Lending Works started in early 2014 and has completed £220 million in personal loans. Lending Works has strong defences…

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LandlordInvest Bridging Loan Self-Select Account/IFISA

How do 4thWay PLUS Ratings work?

7/10 How do Risk Scores work?

10.93%

£11 m since 2017 in secured short-term (bridging), plus some residential and commercial BTL loans, with early exit. Available in an IFISA IFISA details

Visit LandlordInvest

IFISA	LandlordInvest Bridging Loan Self-Select Account/IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	7/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	10.93% 10.93%
Description	£11 m since 2017 in secured short-term (bridging), plus some residential and commercial BTL loans, with early exit. Available in an IFISA £11 m since 2017 in secured short-term (bridging), plus some residential and commercial BTL loans, with early exit. Available in an IFISA IFISA details
Get Details	Visit LandlordInvest
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Adjustment for expected bad debts is not yet being applied to the interest rates.

LandlordInvest may be relatively new, but it’s building an excellent record

LandlordInvest mostly does residential bridging loans, but also some commercial-property bridging (e.g. loans…

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Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA

How do 4thWay PLUS Ratings work?

7/10 How do Risk Scores work?

6.70%

£120 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA IFISA details

Visit Proplend

IFISA	Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	7/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.70% 6.70%
Description	£120 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA £120 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA IFISA details
Get Details	Visit Proplend
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

Proplend does secured property lending in the UK, usually to landlords of residential properties or commercial…

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Flexible Account/Flexible IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

4.0%

£220 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & free early exit. Available in an IFISA IFISA details

Visit Lending Works

IFISA	Flexible Account/Flexible IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.0% 4.0%
Description	£220 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & free early exit. Available in an IFISA £220 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & free early exit. Available in an IFISA IFISA details
Get Details	Visit Lending Works
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table. The rating shown is for new lending from 2021.

Lending Works Quick Expert Review: good risk-reward balance, in some ways outperforming pandemic expectations, but mistakes have shaken confidence of some lenders

Lending Works started in early 2014 and has completed £220 million in personal loans. Lending Works has strong defences…

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Mostly Secured Business Loans/also in an IFISA

Too little info provided

N/A

8.89%

£120 m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance that might cover some losses, optional auto-lend & auto-diversification. Available in an IFISA IFISA details

Visit ArchOver

IFISA	Mostly Secured Business Loans/also in an IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	8.89% 8.89%
Description	£120 m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance that might cover some losses, optional auto-lend & auto-diversification. Available in an IFISA £120 m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance that might cover some losses, optional auto-lend & auto-diversification. Available in an IFISA IFISA details
Get Details	Visit ArchOver
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We earn commission from this peer-to-peer lending company and IFISA provider. 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 £120 million to business borrowers. Many…

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Bridging & Development Loans/also in an IFISA

History too small

N/A

8.64%

£71 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY IFISA details

Visit CapitalRise

IFISA	Bridging & Development Loans/also in an IFISA
4thWay^® PLUSRating	History too small
RiskScore	N/A
Interest AfterBad Debts	8.64% 8.64%
Description	£71 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY £71 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY IFISA details
Get Details	Visit CapitalRise
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CapitalRise Quick Expert Review: will be surprised if this one isn’t a good’un

Lenders through CapitalRise have lent £71 million since launch in 2016. A total of £105 million in facilities has…

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Commercial Property, Energy Project & Development Loans/also as an IFISA

Too little info provided

N/A

7.14%

£62 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 details

Visit Relendex

IFISA	Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	7.14% 7.14%
Description	£62 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA £62 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 details
Get Details	Visit Relendex
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Senior Property & Renewable Energy Loans/also in an IFISA

Too little info provided

N/A

5.37%

£160 m since 201£160m in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA IFISA details

Visit Downing Crowd

IFISA	Senior Property & Renewable Energy Loans/also in an IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	5.37% 5.37%
Description	£160 m since 201£160m in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA £160 m since 201£160m 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	Visit Downing Crowd
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Interest rates shown are a reasonable estimate due to limited data

Downing Crowd Quick Expert Review: could make a nice addition to your lending portfolio

Downing Crowd does loans to UK businesses that own property or energy projects, including businesses…

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"A" to "C" Business Loans/available in an IFISA

PLUS Rating pending...

N/A

5.00%

£21 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details

Visit rebuildingsociety

IFISA	"A" to "C" Business Loans/available in an IFISA
4thWay^® PLUSRating	PLUS Rating pending...
RiskScore	N/A
Interest AfterBad Debts	5.00% 5.00%
Description	£21 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA £21 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details	Visit rebuildingsociety
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interest rate shown is an approximate, provisional rate, pending further recovery of bad debts. We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Zopa Plus Account/Zopa Plus IFISA

Too little info provided

N/A

3.7%

£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details

Visit Zopa

IFISA	Zopa Plus Account/Zopa Plus IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	3.7% 3.7%
Description	£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA £5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details	Visit Zopa
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Average return for the vast majority of lenders has historically been within 1-2 percentage points of the advertised target rate.

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 targets returns…

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Zopa Core Account/Zopa Core IFISA

Too little info provided

N/A

3.2%

£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details

Visit Zopa

IFISA	Zopa Core Account/Zopa Core IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	3.2% 3.2%
Description	£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA £5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details	Visit Zopa
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Average return for the vast majority of lenders has historically been within 1-2 percentage points of the advertised target rate.

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 targets returns…

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Get more detailson 1-5 selected results

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.

"Is that the best IFISA?" Comparing IFISAs the candid way

IFISAs are tax-free lending accounts. This IFISA comparison table shows peer-to-peer lending IFISAs. IFISA providers that are P2P add an extra layer of safety. By offering direct lending between you and the end borrowers, they further reduce your chances of losses due to a failure of the IFISA provider in the middle.

The above table contains the best IFISA providers available. Not only that, it contains all IFISA providers that have run the gauntlet of our intensive investigative process, where we collect over 100 data points, interview key people and conduct independent research. We provide our candid opinions on any IFISA provider that is transparent enough for us to make a solid assessment of the risk and rewards.

Each IFISA has one of our unique ratings, when the IFISA provider has enough history. The 4thWay PLUS Ratings are based on the Basel stress tests, telling ups how they might perform in a severe recession and property crash. Only the best IFISAs can earn the top, 3/3 rating, but do look for the hidden gems lower in the table that might not yet have quite enough history to have earned a 4thWay PLUS Rating.

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

Commission and impartial research: our service is free to you, including our IFISA reviews, IFISA comparison tables, ratings, guides and research articles. 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 IFISA providers are eligible be listed here if 4thWay and lenders are provided enough information to assess them properly.

For a list of the P2P IFISA providers 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?

PLUS Rating	Result in severe recession/crash
Five PLUSes	No losses, or losses recovered within 2 years
Four PLUSes	Losses recovered within 3 years
Three PLUSes	Losses recovered within 4 years
Two PLUSes	Losses recovered within 5 years
One PLUS	Losses recovered within 6 years
Unrated	Not enough data/history, or losses not recovered

Compare IFISAs

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

Showing 19 IFISAs, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

CrowdProperty Quick Expert Review: development lending as a low risk, high-interest rate opportunity

Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

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 Quick Expert Review: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

Kuflink Quick Expert Review: a profitable property lending record since 2011 and highly satisfactory lending results

Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Lending Works Quick Expert Review: good risk-reward balance in ordinary times, but shocks are shaking confidence of existing lenders

LandlordInvest may be relatively new, but it’s building an excellent record

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

Lending Works Quick Expert Review: good risk-reward balance, in some ways outperforming pandemic expectations, but mistakes have shaken confidence of some lenders

ArchOver Quick Expert Review: unique strengths are inhibited by sparse information on bad debts

CapitalRise Quick Expert Review: will be surprised if this one isn’t a good’un

Downing Crowd Quick Expert Review: could make a nice addition to your lending portfolio

Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

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Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.

Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.

Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.

Why are Orchard’s interest rates different?

Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.