Find the best peer-to-peer lending accounts in the UK
Weeks of research, calculations and interviews by 4thWay’s specialists go into each and every provider shown in our comparison tables, making it easier for investors to identify the best peer-to-peer lending companies in the UK market.
Showing 29 peer-to-peer lending accounts for you to compare. Sorted by best 4thWay PLUS Rating first, then by Risk Score and finally by interest rate.
Showing the current interest you’re expected to receive after deducting:
- The P2P lending company’s fees.
- The bad debt that the P2P lending company expects you to incur.
The rate makes no deductions for taxes or for money that is not currently being lent.
Why are some rates shown different to the P2P lending company’s own website?
We convert interest rates to the same calculation so that the comparison is fair. Read more here.
A score of the estimated risk of losses from bad debts in a severe recession/property crash before adding interest earned
A lower score is better. Click on a Risk Score in 4thWay’s comparison table to get more information about how that particular score was awarded or learn more about the 4thWay® Risk Scores.
4thWay® Risk Scores assume you spread your money across lots of loans, using multiple peer-to-peer lending platforms to do so if necessary. They are impartial and conservative, and they are indicators, not guarantees or promises. For use with supplementary research.
Showing a brief description of the P2P lending company.
Peer-to-peer lending in the UK: review and compare your P2P options!
Here, you get to see UK peer-to-peer lending reviews, research and P2P comparison for your investment decisions. You won’t just see the best peer-to-peer lending in the UK here, but also the – let’s say – rather less than best! Because we don’t hold back with our candid research. We candidly review any P2P investment that takes the step of opening its people, business model and results to 4thWay’s intensive scrutiny.
Plus, you’ll find here our unique ratings, which stress test how lending through specific lending accounts and loans might perform in a severe recession and property crash.
If you are based in the UK, 4thWay’s specialists in investing, credit and credit-risk provide the most thoroughly researched and professional comparison.
We also show non-UK peer-to-peer lending providers if you can lend through them from the UK. You can exclude those from the table using the table filters. Click on “Refine your list” and select “Include lending in pounds only”.
Impartial. Accurate. Expert. Checked by users like you.
Commission, fees and impartial research: our service is free to you, including our peer-to-peer lending reviews, P2P comparison tables, ratings, guides and research articles. Some peer-to-peer lending companies above compensate us either when you open accounts or by covering the costs of conducting stress tests and calculating ratings. 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 to be listed in the comparison table if 4thWay is provided enough information to assess them properly.
For a list of the providers that aren’t in the peer-to-peer lending comparison table, and the reasons why they’re missing, read this FAQ: Why don’t you list LendInvest, easyMoney and some others?