Compare P2P lending accounts and IFISAs now

Compare IFISAs

Click "Learn" to get help

How much have you got to lend?

How long do you want to lend for?

Who selects your borrowers?

Might you need an early exit?

Do you require a reserve fund?

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

Showing 20 IFISAs, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

Get more detailson 1-5 selected results
IFISA

RiskScore
Interest AfterBad Debts
Description
Get Details

Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA
3/10 How do Risk Scores work?
7.27%
£105 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


Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.27%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

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

Expand to read more

Bridging & Development Loans Account/IFISA
4/10 How do Risk Scores work?
7.84%
£95 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available
IFISA


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

Established in 2015, lenders have lent £95 million to around 50 different borrowers in over 167 loans…

Expand to read more

Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
5/10 How do Risk Scores work?
8.55%
£91 m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA)
IFISA


Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.55%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
HNW Lending Quick Expert Review: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

HNW Lending has completed £91 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

Expand to read more

Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
5/10 How do Risk Scores work?
7.00%
£91 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


Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.00%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
Kuflink Quick Expert Review: a profitable property lending record since 2011 and highly satisfactory lending results

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

Expand to read more

Manual Lending Account/Manual Lending IFISA
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


Manual Lending Account/Manual Lending IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
Get Details
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this P2P lending company/IFISA provider. 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…

Expand to read more

30-Day Access Account/30-Day Access IFISA
5/10 How do Risk Scores work?
4.07%
£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


30-Day Access Account/30-Day Access IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.07%
Description
Get Details
Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this P2P lending company/IFISA provider. 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…

Expand to read more

Zopa Core Account/Zopa Core IFISA
5/10 How do Risk Scores work?
2.0%
£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Zopa Core Account/Zopa Core IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
2.0%
Description
Get Details
 
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…

Expand to read more

Zopa Plus Account/Zopa Plus IFISA
6/10 How do Risk Scores work?
2.1%
£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Zopa Plus Account/Zopa Plus IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
2.1%
Description
Get Details
 
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…

Expand to read more

Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA
7/10 How do Risk Scores work?
9.94%
£105 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA
IFISA


Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
9.94%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

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

Expand to read more

Auto-Invest In Property & Asset Loans up to 70% LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
5/10 How do Risk Scores work?
7.00%
£91 m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Minimum investment is £10K (£5k in an IFISA), spread across dozens of loans
IFISA


Auto-Invest In Property & Asset Loans up to 70% LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.00%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
HNW Lending Quick Expert Review: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

HNW Lending has completed £91 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

Expand to read more

Self-Select Account/Self-Select IFISA
6/10 How do Risk Scores work?
7.24%
£82 m since 2014 in business loans, with early exit. Available in an IFISA
IFISA


Self-Select Account/Self-Select IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.24%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. 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…

Expand to read more

Growth Account/Growth IFISA
6/10 How do Risk Scores work?
4.9%
£82 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Growth Account/Growth IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.9%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. 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…

Expand to read more

Income Account/Income IFISA
6/10 How do Risk Scores work?
4.6%
£82 m since 2014 in business loans, with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


Income Account/Income IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.6%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. 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…

Expand to read more

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


Premium Account (60-day free access or 1% fee)/Premium IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.5%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Established in 2018, lenders have lent around £10 million. Loanpad* partners with a family firm that’s…

Expand to read more

Classic Account (free early exit)/Classic IFISA
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


Classic Account (free early exit)/Classic IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
3.5%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Established in 2018, lenders have lent around £10 million. Loanpad* partners with a family firm that’s…

Expand to read more

Bridging & Development Loans/also in an IFISA
4thWay Unrated
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


Bridging & Development Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
History too small
RiskScore
Interest AfterBad Debts
9.2%
Description
Get Details
 
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…

Expand to read more

Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay Unrated
Too little info provided
N/A
8.69%
£50 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
IFISA


Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
8.69%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 

Mostly Secured Business Loans/also in an IFISA
4thWay Unrated
Too little info provided
N/A
8.22%
£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


Mostly Secured Business Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
8.22%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
ArchOver Quick Expert Review: unique strengths are inhibited by sparse information on bad debts

Established in 2014, lenders using ArchOver have lent around £100 million to business borrowers. Many…

Expand to read more

Senior Property & Renewable Energy Loans/also in an IFISA
4thWay Unrated
Too little info provided
N/A
5.36%
£140 m since 2016 in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA
IFISA


Senior Property & Renewable Energy Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
5.36%
Description
Get Details
Interest rates shown are a reasonable estimate due to limited data
 
Downing Crowd Quick Expert Review: could make a nice addition to your lending portfolio

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

Expand to read more

"A" to "C" Business Loans/available in an IFISA
4thWay Unrated
PLUS Rating pending...
N/A
3.0%
£19 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA
IFISA


"A" to "C" Business Loans/available in an IFISA
4thWay® PLUSRating
4thWay Unrated
PLUS Rating pending...
RiskScore
Interest AfterBad Debts
3.0%
Description
Get Details
We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 
Get more detailson 1-5 selected results
1
Most items in our comparison tables are updated at least monthly with some items updated daily, weekly or monthly. 4thWay® PLUS Ratings and 4thWay® Risk Scores are updated roughly every six months. Sources: 4thWay® and the peer-to-peer lending companies.

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

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

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

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

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

Commission and impartial research: our service is free to you, including our IFISA reviews, IFISA comparison tables, ratings, guides and research articles. Some IFISA providers above compensate us when you open accounts. Read How We Earn Money Fairly with Your Help.

Accuracy: a panel of 4thWay’s users, chosen by yourselves, checks we’re being 100% candid.

Click on the checkboxes and click “Get more details”: to compare over 100 data points.

All P2P IFISA providers are eligible be listed here if 4thWay and lenders are provided enough information to assess them properly.

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

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.

OK

×

Are you sure?

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.

Got it

×

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.

Got it

×

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

×

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.

Got it

×

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.

Got it

×

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.

Got it

×

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

×
Back to top