4thWay

IFISA comparison: find the best IFISAs in 2023

Weeks of research, calculations and interviews by 4thWay’s specialists go into each and every provider shown in our IFISA comparison tables, making it easier for investors to identify the best IFISAs in the UK market.

Showing 20 peer-to-peer IFISAs for you to compare. Sorted by best 4thWay PLUS Rating first, then by Risk Score and finally by interest rate.

The 4thWay PLUS Ratings in the IFISA comparison table assume you spread money across 100s or 1,000s of loans in 6+ lending accounts, and hold your 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 in a severe recession and property crash. Understand 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.
Refine your list
Select 2-5 to compare
Premium Account (60-day free access or 1% fee)/Premium IFISA
Risk Scores 3/10
Interest
6.50% after bad debts
Description | IFISA £168 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
Visit Loanpad
Loanpad Quick Expert Review
An investment that will keep your money safe through everything short of nuclear war Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Classic Account (free early exit)/Classic IFISA
Risk Scores 3/10
Interest
5.50% after bad debts
Description | IFISA £194 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
Visit Loanpad
Loanpad Quick Expert Review
An investment that will keep your money safe through everything short of nuclear war Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans IFISA
Risk Scores 4/10
Interest
8.24% after bad debts
Description | IFISA £286 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
Visit Invest & Fund
Invest & Fund Quick Expert Review
A mature provider that had the best pandemic performance. It continues its record of no losses and negligible problem loans Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Tranche A, 50% LTV Loans Against Property Mostly Receiving Rent/also as an IFISA
Risk Scores 4/10
Interest
7.25% after bad debts
Description | IFISA £205 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
Visit Proplend
Proplend Quick Expert Review
Fantastic rental property security and high returns has earned lenders £21 million, with just £40,000 in losses Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans Account/IFISA
Risk Scores 5/10
Interest
10.12% after bad debts
Description | IFISA £370 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available
Visit CrowdProperty
CrowdProperty Quick Expert Review
Development lending as a low risk, attractive-interest rate opportunity Expand to read more
Kuflink Auto-Invest 3 Years. AVAILABLE AS AN IFISA
Risk Scores 5/10
Interest
9.00% after bad debts
Description | IFISA £295 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
Visit Kuflink
Kuflink Quick Expert Review
A profitable property lending record since 2011 and highly satisfactory lending results Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table. Some interest rates shown are lower than on the Kuflink website, because we standardise the calculation to make it consistent with the other rates shown on 4thWay.
Auto-Invest 2 Year Account/Auto-Invest 2 Year IFISA
Risk Scores 5/10
Interest
8.00% after bad debts
Description | IFISA £295 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
Visit Kuflink
Kuflink Quick Expert Review
A profitable property lending record since 2011 and highly satisfactory lending results Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table. Some interest rates shown are lower than on the Kuflink website, because we standardise the calculation to make it consistent with the other rates shown on 4thWay.
Classic/IFISA
Risk Scores 5/10
Interest
7.80% after bad debts
Description | IFISA £47 m in loans to fund postgraduate studies since 2018, with auto-lend, auto-diversification & early exit. Available in an IFISA
Visit Lendwise
Lendwise Quick Expert Review
Impressive results and much needed diversity lending to fund postgraduate studies, in a P2P lending market overcrowded with property development lending. Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Property & Asset Loans Averaging 55% LTV. MINIMUM £10,000 (or £5,000 in IFISA)
Risk Scores 5/10
Interest
7.10% after bad debts
Description | IFISA £125 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)
Visit HNW Lending
HNW Lending Quick Expert Review
Security consistently shows its worth, lending standards keep improving and directors take the first hit of up to 10% on rare losses Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Auto-Invest In Property & Asset Loans averaging 55% LTV. MINIMUM £10,000 (or £5,000 in IFISA)
Risk Scores 5/10
Interest
7.00% after bad debts
Description | IFISA £125 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
Visit HNW Lending
HNW Lending Quick Expert Review
Security consistently shows its worth, lending standards keep improving and directors take the first hit of up to 10% on rare losses Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Auto-Invest 1 Year Account/Auto-Invest 1 Year IFISA
Risk Scores 5/10
Interest
7.00% after bad debts
Description | IFISA £295 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA
Visit Kuflink
Kuflink Quick Expert Review
A profitable property lending record since 2011 and highly satisfactory lending results Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table. Some interest rates shown are lower than on the Kuflink website, because we standardise the calculation to make it consistent with the other rates shown on 4thWay.
Assetz Exchange Account/IFISA
Risk Scores 5/10
Interest
5.78% after bad debts
Description | IFISA £23 m since 2019 in a form of property lending that shares many characteristics with rental-home ownership (such as potential for profit on sale of property), with early exit. Available in an IFISA
Visit Assetz Exchange
Assetz Exchange Quick Expert Review
An outstanding P2P lending opportunity with well-contained risks, steady lending income and even with profits on sale of property Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Mostly Receiving Rent/also in an IFISA
Risk Scores 6/10
Interest
8.38% after bad debts
Description | IFISA £205 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA
Visit Proplend
Proplend Quick Expert Review
Fantastic rental property security and high returns has earned lenders £21 million, with just £40,000 in losses Expand to read more
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Bridging & Development Loans/also in an IFISA
Risk Scores 6/10
Interest
7.88% after bad debts
Description | IFISA £213 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY
Visit CapitalRise
CapitalRise Quick Expert Review
Continues to impress Expand to read more
We earn commission and/or fees from this peer-to-peer lending provider to cover the costs of conducting our calculated ratings assessments. It doesn't affect our impartiality. See details below table.
Property Lending Account/IFISA
Risk Scores N/A
Interest
13.06% after bad debts
Description | IFISA £35 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit. Available in an IFISA
Visit CapitalStackers
CapitalStackers Quick Expert Review
Attractive opportunities for active lenders to pick high-quality loans with very large profit potential Expand to read more
We earn commission from this peer-to-peer lending company. It doesn't affect our impartiality. See details below table.
Classic/IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
10.46% after bad debts
Description | IFISA £32 m lent against unique items of security (£58 m if including when borrowers have borrowed again) since 2014 secured mostly against watches, gold and art, with optional auto-lend & auto-diversification. IFISA available
Visit Unbolted
Unbolted Quick Expert Review
Lenders have consistently earned excellent rates with no losses since launch in December 2014, although lenders might still limit their re-lending in renewed loans Expand to read more
Interest rate shown is higher than on the Unbolted website, because it assumes you can and will re-lend interest when you receive it from the borrower. This makes it consistent with the other rates shown on 4thWay.
Commercial Property, Energy Project & Development Loans/also as an IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
7.31% after bad debts
Description | IFISA £122 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
Visit Relendex
 
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
Business & Property Loans Account/IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
6.00% after bad debts
Description | IFISA £46 m since 2015 in business loans, including revenue loans, with auto-lend and early exit on some loans. Available in an IFISA
Visit Crowd2Fund
Crowd2Fund Quick Expert Review
Good to see small business lending where lenders can choose their own loans, but it needs to provide more information to offset its inexperienced team Expand to read more
The Crow2Fund interest rate is an extremely rough estimate, due to insufficient info.
Senior Property & Renewable Energy Loans/also in an IFISA
Too little info provided
4thWay Unrated
Risk Scores N/A
Interest
5.28% after bad debts
Description | IFISA £210 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
Visit Downing Crowd
Downing Crowd Quick Expert Review
Doesn’t provide enough information to assess the risks, so new lenders are shooting blind Expand to read more
Interest rates shown are a reasonable estimate due to limited data
"A" to "C" Business Loans/available in an IFISA
PLUS Rating pending...
4thWay Unrated
Risk Scores N/A
Interest
5.00% after bad debts
Description | IFISA £47 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA
Visit rebuildingsociety
 
Interest rate shown is an approximate, provisional rate, pending further recovery of bad debts.

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

IFISAs are tax-free lending accounts available to UK residents. This IFISA comparison table shows peer-to-peer lending IFISAs. IFISA providers that offer direct lending between you and the end borrowers, which is what we’re calling “peer-to-peer”, further reduce your chances of losses if the IFISA provider itself closes and winds down.

Our IFISA comparison table contains the best IFISAs 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 us 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 that 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 or for conducting our bank-like ratings tests. 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 2-5 checkboxes and click “Compare selected” to compare over 100 data points.

All P2P lending providers are eligible be listed in the IFISA comparison table if 4thWay is provided enough information to assess them properly.

For a list of the providers that aren’t in the IFISA comparison table, and the reasons why they’re missing, read this FAQ: Why don’t you list LendInvest, easyMoney and some others?

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

Copyright BFGSL Ltd and 4thWay® 2014-2023. This peer-to-peer lending/IFISA comparison and ratings website is based on high-quality research, which requires investment. Please share content from our website by linking to it and not by copying it. See our T&Cs and Copyright Policy for more details and to buy additional rights. Acknowledge your sources.