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

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Do you require a reserve fund?

Available as an IFISA

 
Read all our P2P lending guides Read our IFISA guide Which P2P lending sites are not on 4thWay and why?
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 31 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%
£340m 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
£340m 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
Open accounts quickly & easily with 4thWay
Visit Landbay
IFISA
Fixed Rate Classic Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
3.54%
Description
£340m 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
Open accounts quickly & easily with 4thWay
Visit Landbay
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?
7.32%
£65m lent since 2014 secured on residential BTL & commercial property receiving rent, with optional auto-lend, auto-diversification & early exit. Available in an IFISA
£65m 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
Open accounts quickly & easily with 4thWay
Visit Proplend
IFISA
Tranche A, 0-50% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.32%
Description
£65m 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
Open accounts quickly & easily with 4thWay
Visit Proplend
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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Property And Asset Loans Under 50% Average LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
 4/10 How do Risk Scores work?
8.47%
£70m 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)
£70m 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
Open accounts quickly & easily with 4thWay
Visit HNW Lending
IFISA
Property And Asset Loans Under 50% Average LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.47%
Description
£70m 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
Open accounts quickly & easily with 4thWay
Visit HNW Lending
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. AVAILABLE IN AN IFISA
 4/10 How do Risk Scores work?
7.91%
£40m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available
£40m 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. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.91%
Description
£40m 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
 
CrowdProperty Quick Expert Review: development lending as a low risk, high-interest rate opportunity

Established in 2015, lenders have lent £40 million to around 50 different borrowers in over 80 loans…

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Property Secured Account. AVAILABLE IN AN IFISA
 4/10 How do Risk Scores work?
5.64%
£820m 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
£820m 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
Visit Assetz Capital
IFISA
Property Secured Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.64%
Description
£820m 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
Visit Assetz Capital
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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The 5 Year Market Everyday Account. AVAILABLE IN AN IFISA
 4/10 How do Risk Scores work?
5.3%
£3.1bn in personal, business and property development loans since 2010, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Cashback available - read the Quick Expert Review
£3.1bn in personal, business and property development loans since 2010, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Cashback available - read the Quick Expert Review IFISA details
Open accounts quickly & easily with 4thWay
Visit RateSetter
IFISA
The 5 Year Market Everyday Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.3%
Description
£3.1bn in personal, business and property development loans since 2010, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Cashback available - read the Quick Expert Review IFISA details
Get Details
Open accounts quickly & easily with 4thWay
Visit RateSetter
RateSetter interest rates change every day. The rates shown are an average over the previous month. 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. AVAILABLE IN AN IFISA
 5/10 How do Risk Scores work?
6.5%
£820m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA
£820m since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA IFISA details
Visit Assetz Capital
IFISA
Manual Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
£820m 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
Visit Assetz Capital
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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5-Year Lending. AVAILABLE IN AN IFISA
 5/10 How do Risk Scores work?
6.5%
£170m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA
£170m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Open accounts quickly & easily with 4thWay
Visit Lending Works
IFISA
5-Year Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
£170m 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
Open accounts quickly & easily with 4thWay
Visit Lending Works
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: great risk-reward balance, large reserve fund, and insured loans

Lending Works started in early 2014 and has completed £180 million in personal loans. Lending Works has strong defences…

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Great British Business Account Series 2. AVAILABLE IN AN IFISA
 5/10 How do Risk Scores work?
6.43%
£820m 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
£820m 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
Visit Assetz Capital
IFISA
Great British Business Account Series 2. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.43%
Description
£820m 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
Visit Assetz Capital
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%
£4.0bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
£4.0bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Visit Zopa
IFISA
Zopa Core. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.5%
Description
£4.0bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Visit Zopa
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 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
 7/10 How do Risk Scores work?
9.28%
£65m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA
£65m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA IFISA details
Open accounts quickly & easily with 4thWay
Visit Proplend
IFISA
Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
9.28%
Description
£65m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA IFISA details
Get Details
Open accounts quickly & easily with 4thWay
Visit Proplend
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%
£4.0bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
£4.0bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Visit Zopa
IFISA
Zopa Plus. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.2%
Description
£4.0bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Visit Zopa
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 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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Auto-Invest In Property And Asset Loans up to 70% LTV. Available in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
 5/10 How do Risk Scores work?
7.00%
£70m 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
£70m 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
Open accounts quickly & easily with 4thWay
Visit HNW Lending
IFISA
Auto-Invest In Property And Asset Loans up to 70% LTV. Available in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.00%
Description
£70m 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
Open accounts quickly & easily with 4thWay
Visit HNW Lending
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. AVAILABLE IN AN IFISA
 6/10 How do Risk Scores work?
7.37%
£60m since 2014 in business loans, with early exit. Available in an IFISA
£60m since 2014 in business loans, with early exit. Available in an IFISA IFISA details
Open accounts quickly & easily with 4thWay
Visit LendingCrowd
IFISA
Self-Select Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.37%
Description
£60m since 2014 in business loans, with early exit. Available in an IFISA IFISA details
Get Details
Open accounts quickly & easily with 4thWay
Visit LendingCrowd
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 £60 million in loans…

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Growth & Income Accounts. AVAILABLE IN AN IFISA
 6/10 How do Risk Scores work?
6%
£60m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
£60m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Open accounts quickly & easily with 4thWay
Visit LendingCrowd
IFISA
Growth & Income Accounts. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6%
Description
£60m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details
Open accounts quickly & easily with 4thWay
Visit LendingCrowd
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 £60 million in loans…

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Premium Account (60-day free access or 1% fee). AVAILABLE IN AN 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
£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 IFISA details
Visit Loanpad
IFISA
Premium Account (60-day free access or 1% fee). AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.0%
Description
£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 IFISA details
Get Details
Visit Loanpad
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). AVAILABLE IN AN IFISA
 N/A
4.0%
£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 & early exit. IFISA available
£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 & early exit. IFISA available IFISA details
Visit Loanpad
IFISA
Classic Account (free early exit). AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.0%
Description
£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 & early exit. IFISA available IFISA details
Get Details
Visit Loanpad
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. AVAILABLE IN AN IFISA
 N/A
4%
Since 2013, secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA
Since 2013, secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA IFISA details
Visit Funding Secure
IFISA
Asset-Secured Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4%
Description
Since 2013, secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA IFISA details
Get Details
Visit Funding Secure
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: needs to provide more details and there’s a wide spread of risk in these higher-rate loans

FundingSecure’s own total lending figure of £310 million on its website overstate its size, but adjusting for that it…

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Asset-Secured Lending. AVAILABLE IN AN IFISA
 N/A
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
Visit MoneyThing
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
Visit MoneyThing
 
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. AVAILABLE IN AN IFISA
 N/A
9.8%
£40m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA
£40m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA IFISA details
Visit CapitalRise
IFISA
Bridging & Development Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
9.8%
Description
£40m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA IFISA details
Get Details
Visit CapitalRise
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 And Development Loans. AVAILABLE IN AN IFISA
 N/A
8.39%
£34m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
£34m 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 And Development Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.39%
Description
£34m 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
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
7.80%
£90m 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
£90m 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
Visit ArchOver
IFISA
Secured Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.80%
Description
£90m 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
Visit ArchOver
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. AVAILABLE IN AN IFISA
 N/A
7.66%
£29m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA
£29m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA IFISA details
Visit Crowd2Fund
IFISA
Business & Property Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.66%
Description
£29m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA IFISA details
Get Details
Visit Crowd2Fund
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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Kuflink Auto-Invest 5 Years. AVAILABLE AS AN IFISA
 N/A
7.00%
£53m since 2014 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
£53m since 2014 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA IFISA details
Visit Kuflink
IFISA
Kuflink Auto-Invest 5 Years. AVAILABLE AS AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.00%
Description
£53m since 2014 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA IFISA details
Get Details
Visit Kuflink
 
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
 N/A
7%
£320m since 2011 in secured business loans & short-term property (bridging) & development loans, with early exit
£320m since 2011 in secured business loans & short-term property (bridging) & development loans, with early exit IFISA details
Visit ThinCats
IFISA
Business And Property Loans
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7%
Description
£320m since 2011 in secured business loans & short-term property (bridging) & development loans, with early exit IFISA details
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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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Kuflink Select-Invest
 N/A
6.0%
£53m since 2014 in secured short-term (bridging) & property development loans
£53m since 2014 in secured short-term (bridging) & property development loans
Visit Kuflink
IFISA
Kuflink Select-Invest
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.0%
Description
£53m since 2014 in secured short-term (bridging) & property development loans
Get Details
Visit Kuflink
 
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
5.00%
£100m since 2016 in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA
£100m 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
Visit Downing Crowd
IFISA
Senior Property And Renewable Energy Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.00%
Description
£100m 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
Visit Downing Crowd
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 Business Lending Account. AVAILABLE IN AN IFISA
 N/A
4.5%
£5.0bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
£5.0bn 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
Visit Funding Circle
IFISA
Balanced Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.5%
Description
£5.0bn 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
Visit Funding Circle
 
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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Conservative Business Lending Account. AVAILABLE IN AN IFISA
 N/A
4.3%
£5.0bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
£5.0bn 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
Visit Funding Circle
IFISA
Conservative Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.3%
Description
£5.0bn 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
Visit Funding Circle
 
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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Octopus Choice Account. AVAILABLE IN AN IFISA
 N/A
4.0%
£410m 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
£410m 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 details
Visit Octopus Choice
IFISA
Octopus Choice Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.0%
Description
£410m 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 details
Get Details
Visit Octopus Choice
 
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
Too little info provided
N/A
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
Visit Money&Co.
IFISA
"A" to "C+" Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
0%
Description
£10m in business loans rated "A-C" by Money&Co. Available in an IFISA IFISA details
Get Details
Visit Money&Co.
Money&Co. interest rate set to 0% because we do not have enough information to estimate interest earned after losses. Money&Co. has provided no updates to us for over a year.
 
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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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