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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 27 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?

7.27%

£95 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	7.27% 7.27%
Description	£95 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 £95 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 website and it doesn't affect our impartiality. See details below table.

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 properties such as…

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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?

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 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	4/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	8.47% 8.47%
Description	£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) £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 details
Get Details	Visit HNW Lending
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.

HNW Lending Quick Expert Review: 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

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

7.84%

£65 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	7.84% 7.84%
Description	£65 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available £65 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 £68 million to around 50 different borrowers in over 167 loans…

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Max Account/Max IFISA

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

4.0%

£3.9 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 details

Visit RateSetter

IFISA	Max Account/Max 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	4.0% 4.0%
Description	£3.9 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 £3.9 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 details
Get Details	Visit RateSetter
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.

RateSetter Quick Expert Review: will beat savings accounts and cash ISAs most of the time for decades to come

RateSetter offers peer-to-peer investors and IFISA investors a blend of different types of lending. It mostly…

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Manual Lending Account/Manual Lending IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

6.5%

£1 bn 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/Manual Lending 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	6.5% 6.5%
Description	£1 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA £1 bn 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
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Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.

Assetz Capital Quick Expert Review: fantastic results from unique property and secured business loans

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

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Growth Account/Growth IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

5.4%

£200 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	5.4% 5.4%
Description	£200 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA £200 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 website and it doesn't affect our impartiality. See details below table.

Lending Works Quick Expert Review: great risk-reward balance

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

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30-Day Access Account/30-Day Access IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

5.22%

£1 bn 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	30-Day Access Account/30-Day Access 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	5.22% 5.22%
Description	£1 bn 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 £1 bn 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
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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

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

3.4%

£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	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	3.4% 3.4%
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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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

How do 4thWay PLUS Ratings work?

6/10 How do Risk Scores work?

4.0%

£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	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	6/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.0% 4.0%
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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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

How do 4thWay PLUS Ratings work?

7/10 How do Risk Scores work?

9.94%

£95 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	9.94% 9.94%
Description	£95 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA £95 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 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 does secured property lending in the UK, usually to landlords of residential properties or commercial properties such as…

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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%

£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 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	£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 £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 details
Get Details	Visit HNW Lending
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.

HNW Lending Quick Expert Review: 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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Flexible Account/Flexible IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

3.8%

£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	3.8% 3.8%
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 website and it doesn't affect our impartiality. See details below table.

Lending Works Quick Expert Review: great risk-reward balance

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

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Self-Select Account/Self-Select IFISA

How do 4thWay PLUS Ratings work?

6/10 How do Risk Scores work?

7.30%

£78 m since 2014 in business loans, with early exit. Available in an IFISA IFISA details

Visit LendingCrowd

IFISA	Self-Select Account/Self-Select IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	6/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	7.30% 7.30%
Description	£78 m since 2014 in business loans, with early exit. Available in an IFISA £78 m since 2014 in business loans, with early exit. Available in an IFISA IFISA details
Get Details	Visit LendingCrowd
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.

LendingCrowd Quick Expert Review: good results from a unique opportunity, provided you spread your money across lots of loans

LendingCrowd has been growing slow and steady since 2014 and has done £78 million in loans…

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Growth Account/Growth IFISA

How do 4thWay PLUS Ratings work?

6/10 How do Risk Scores work?

4.9%

£76 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details

Visit LendingCrowd

IFISA	Growth Account/Growth IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	6/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.9% 4.9%
Description	£76 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA £76 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details	Visit LendingCrowd
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.

LendingCrowd Quick Expert Review: good results from a unique opportunity, provided you spread your money across lots of loans

LendingCrowd has been growing slow and steady since 2014 and has done £78 million in loans…

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Income Account/Income IFISA

How do 4thWay PLUS Ratings work?

6/10 How do Risk Scores work?

4.6%

£78 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details

Visit LendingCrowd

IFISA	Income Account/Income IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	6/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.6% 4.6%
Description	£78 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA £78 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA details
Get Details	Visit LendingCrowd
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.

LendingCrowd Quick Expert Review: good results from a unique opportunity, provided you spread your money across lots of loans

LendingCrowd has been growing slow and steady since 2014 and has done £78 million in loans…

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

How do 4thWay PLUS Ratings work?

N/A

4.5%

£10 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	Unrated Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	N/A
Interest AfterBad Debts	4.5% 4.5%
Description	£10 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 £10 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 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 £10 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?

N/A

3.5%

£10 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	Unrated Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	N/A
Interest AfterBad Debts	3.5% 3.5%
Description	£10 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 £10 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 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 £10 million. Loanpad* partners with a family firm that’s…

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Bridging & Development Loans/also in an IFISA

History too small

N/A

9.2%

£45 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	9.2% 9.2%
Description	£45 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY £45 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

CapitalRise has completed over £45 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

Too little info provided

N/A

8.69%

£46 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	8.69% 8.69%
Description	£46 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA £46 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 website and it doesn't affect our impartiality. See details below table.

Mostly Secured Business Loans/also in an IFISA

Too little info provided

N/A

8.16%

£100 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	8.16% 8.16%
Description	£100 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 £100 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 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 £100 million to business borrowers. Many…

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Business & Property Loans Account/IFISA

Too little info provided

N/A

7.66%

£35 m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Only available in an IFISA IFISA details

Visit Crowd2Fund

IFISA	Business & Property Loans Account/IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	7.66% 7.66%
Description	£35 m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Only available in an IFISA £35 m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Only available in an IFISA IFISA details
Get Details	Visit Crowd2Fund
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We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table. 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 £35 million. You can…

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

Too little info provided

N/A

7.00%

£80 m since 2014 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	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	7.00% 7.00%
Description	£80 m since 2014 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 £80 m since 2014 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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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 & Renewable Energy Loans/also in an IFISA

Too little info provided

N/A

5.00%

£130 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 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	5.00% 5.00%
Description	£130 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 £130 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 details
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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

Too little info provided

N/A

4.5%

£6.2 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 details

Visit Funding Circle

IFISA	Balanced Account/Balanced IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	4.5% 4.5%
Description	£6.2 bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA £6.2 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 details
Get Details	Visit Funding Circle
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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 £6.2 billion in loans to UK-based businesses, with…

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Conservative Account/Conservative IFISA

Too little info provided

N/A

4.3%

£6.2 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 details

Visit Funding Circle

IFISA	Conservative Account/Conservative IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	4.3% 4.3%
Description	£6.2 bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA £6.2 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 details
Get Details	Visit Funding Circle
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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 £6.2 billion in loans to UK-based businesses, with…

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Octopus Choice Account/Octopus Choice IFISA

Too little info provided

N/A

4.00%

£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 details

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IFISA	Octopus Choice Account/Octopus Choice IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	4.00% 4.00%
Description	£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 £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 details
Get Details	Visit Octopus Choice
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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

PLUS Rating pending...

N/A

3.0%

£18 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	3.0% 3.0%
Description	£18 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA £18 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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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

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?

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

Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

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

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

RateSetter Quick Expert Review: will beat savings accounts and cash ISAs most of the time for decades to come

Assetz Capital Quick Expert Review: fantastic results from unique property and secured business loans

Lending Works Quick Expert Review: great risk-reward balance

Assetz Capital Quick Expert Review: fantastic results from unique property and secured business loans

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

Proplend Quick Expert Review: fantastically good security backed up by steady borrower income

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

Lending Works Quick Expert Review: great risk-reward balance

LendingCrowd Quick Expert Review: good results from a unique opportunity, provided you spread your money across lots of loans

LendingCrowd Quick Expert Review: good results from a unique opportunity, provided you spread your money across lots of loans

LendingCrowd Quick Expert Review: good results from a unique opportunity, provided you spread your money across lots of loans

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

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

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

Crowd2Fund Quick Expert Review: needs to provide more information to prove its inexperienced team are capable of maintaining good results into the future

Kuflink Quick Expert Review: might be solid, but needs to be more up-front and clear

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

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 Quick Expert Review: interest rates worry me, and it’s become too difficult for lenders and analysts to assess its performance

Octopus Choice Quick Expert Review: offers something different that could add to your current P2P lending

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

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Low risk, not no risk

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.