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

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How long do you want to lend for?

Who selects your borrowers?

Might you need an early exit?

Do you require a reserve fund?

Available as an IFISA

 
The 4thWay PLUS Ratings in the P2P lending 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 and P2P lending sites, 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. Read the peer-to-peer lending reviews to get more information on each opportunity. Find out how P2P accounts qualify for listing here.

Showing 30 peer-to-peer lending opportunities, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

Get more detailson 1-5 selected results
P2P Lending Company

Lending Product Name

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?
6.85%
P2P Lending Company

Lending Product Name


Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.85%
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…

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Bridging & Development Loans Account/IFISA
4/10 How do Risk Scores work?
7.67%
P2P Lending Company

Lending Product Name


Bridging & Development Loans Account/IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.67%
Description
Get Details
 
CrowdProperty Quick Expert Review: development lending as a low risk, high-interest rate opportunity

Established in 2015, lenders have lent £150 million to around 50 different borrowers in over 167 loans…

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Premium Account (60-day free access or 1% fee)/Premium IFISA
4/10 How do Risk Scores work?
4.00%
P2P Lending Company

Lending Product Name


Premium Account (60-day free access or 1% fee)/Premium IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.00%
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.
 
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 £36 million. Loanpad partners with a family firm that’s…

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Classic Account (free early exit)/Classic IFISA
4/10 How do Risk Scores work?
3.00%
P2P Lending Company

Lending Product Name


Classic Account (free early exit)/Classic IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
3.00%
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.
 
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 £36 million. Loanpad partners with a family firm that’s…

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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?
8.59%
P2P Lending Company

Lending Product Name


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
8.59%
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 £96 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

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Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
5/10 How do Risk Scores work?
7.00%
P2P Lending Company

Lending Product Name


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…

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Kuflink Select-Invest
5/10 How do Risk Scores work?
6.85%
£142 m since 2016 in secured short-term (bridging) & property development loans. Cashback is available - read the Quick Expert Review
P2P Lending Company

Lending Product Name


Kuflink Select-Invest
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.85%
Description
£142 m since 2016 in secured short-term (bridging) & property development loans. Cashback is available - read the Quick Expert Review
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…

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Bridging & Development Loans Account
5/10 How do Risk Scores work?
6.67%
£107 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
P2P Lending Company

Lending Product Name


Bridging & Development Loans Account
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.67%
Description
£107 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
Get Details
 
Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Invest & Fund does residential bridging and development loans usually between £500,000 and £5 million, with a planned…

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Bridging & Development Loans IFISA
5/10 How do Risk Scores work?
6.17%
P2P Lending Company

Lending Product Name


Bridging & Development Loans IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.17%
Description
Get Details
 
Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Invest & Fund does residential bridging and development loans usually between £500,000 and £5 million, with a planned…

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Manual Lending Account/Manual Lending IFISA
5/10 How do Risk Scores work?
6.02%
P2P Lending Company

Lending Product Name


Manual Lending Account/Manual Lending IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.02%
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: outstanding lending results on unique property and secured business loans, with lots of manual and auto-lend options from just £1

Assetz Capital does the widest variety of loan types of any P2P lending or IFISA provider in the UK…

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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)
5/10 How do Risk Scores work?
6.00%
P2P Lending Company

Lending Product Name


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
6.00%
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 £96 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

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Growth Account/Growth IFISA
5/10 How do Risk Scores work?
4.5%
P2P Lending Company

Lending Product Name


Growth Account/Growth 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. The rating shown is for new lending from 2021.
 
Lending Works Quick Expert Review: good risk-reward balance in ordinary times, but shocks are shaking confidence of existing lenders

Lending Works started in early 2014 and has completed £230 million in personal loans. Lending Works has strong defences…

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90-Day Access Account/90-Day Access IFISA
5/10 How do Risk Scores work?
4.18%
P2P Lending Company

Lending Product Name


90-Day Access Account/90-Day Access IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.18%
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: outstanding lending results on unique property and secured business loans, with lots of manual and auto-lend options from just £1

Assetz Capital does the widest variety of loan types of any P2P lending or IFISA provider in the UK…

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LandlordInvest Bridging Loan Self-Select Account/IFISA
7/10 How do Risk Scores work?
10.89%
P2P Lending Company

Lending Product Name


LandlordInvest Bridging Loan Self-Select Account/IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
10.89%
Description
Get Details
Adjustment for expected bad debts is not yet being applied to the interest rates.
 
LandlordInvest may be relatively new, but it’s building an excellent record

LandlordInvest mostly does residential bridging loans, but also some commercial-property bridging (e.g. loans…

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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?
6.70%
P2P Lending Company

Lending Product Name


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
6.70%
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…

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Flexible Account/Flexible IFISA
5/10 How do Risk Scores work?
4.0%
P2P Lending Company

Lending Product Name


Flexible Account/Flexible IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.0%
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. The rating shown is for new lending from 2021.
 
Lending Works Quick Expert Review: good risk-reward balance, in some ways outperforming pandemic expectations, but mistakes have shaken confidence of some lenders

Lending Works started in early 2014 and has completed £230 million in personal loans. Lending Works has strong defences…

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Rented and Development Property Lending
N/A
12.15%
£24 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit
P2P Lending Company

Lending Product Name


Rented and Development Property Lending
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
12.15%
Description
£24 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit
Get Details
We earn commission from this peer-to-peer lending company. It doesn't affect our impartiality. See details below table.
 
CapitalStackers Quick Expert Review: attractive opportunities for active lenders to pick high-quality loans with very large profit potential

CapitalStackers largely does development loans with its lenders taking the junior position. This means that another lender – typically a bank…

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Baltic State Residential & Commercial Property, And Development Loans, in Euros
4thWay Unrated
Too little info provided
N/A
11.36%
€415 m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent, with auto-lend and auto-diversification. Estonian P2P site that is regulated in Lithuania
P2P Lending Company

Lending Product Name


Baltic State Residential & Commercial Property, And Development Loans, in Euros
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
11.36%
Description
€415 m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent, with auto-lend and auto-diversification. Estonian P2P site that is regulated in Lithuania
Get Details
 

Development And Property-Secured Business Loans
4thWay Unrated
Too little info provided
History too small
N/A
9.01%
£30 m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
P2P Lending Company

Lending Product Name


Development And Property-Secured Business Loans
4thWay® PLUSRating
4thWay Unrated
Too little info provided
History too small
RiskScore
Interest AfterBad Debts
9.01%
Description
£30 m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
Get Details
 
BLEND Network Quick Expert Review: interest rates look attractive and its first few years have got off to a fantastic start

BLEND Network has completed £30 million since 2017. Loans are mostly to fund property…

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Bridging & Development Loans
4thWay Unrated
Too little info provided
N/A
9%
£140 m since 2014 in secured short-term (bridging) & property redevelopment loans. Note this entry is very out-of-date due to lack of information from SoMo. See the Quick Expert Review, below. MIN £5,000 PER LOAN
P2P Lending Company

Lending Product Name


Bridging & Development Loans
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
9%
Description
£140 m since 2014 in secured short-term (bridging) & property redevelopment loans. Note this entry is very out-of-date due to lack of information from SoMo. See the Quick Expert Review, below. MIN £5,000 PER LOAN
Get Details
SoMo rarely provides updates. Due to insufficient information, 4thWay estimates the interest rate after bad debts will be written off.
 
SoMo Quick Expert Review: high interest rates and great reviews from lenders, but lets itself down on transparency

SoMo, formerly BridgeCrowd, bridging loans and redevelopment loans of £25,000 to £5 million, with a planned….

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Bridging & Development Loans/also in an IFISA
4thWay Unrated
History too small
N/A
8.64%
P2P Lending Company

Lending Product Name


Bridging & Development Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
History too small
RiskScore
Interest AfterBad Debts
8.64%
Description
Get Details
 
CapitalRise Quick Expert Review: will be surprised if this one isn’t a good’un

Lenders through CapitalRise have lent £71 million since launch in 2016. A total of £105 million in facilities has…

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Mostly Secured Business Loans/also in an IFISA
4thWay Unrated
Too little info provided
N/A
8.50%
P2P Lending Company

Lending Product Name


Mostly Secured Business Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
8.50%
Description
Get Details
 
ArchOver Quick Expert Review: a P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders

ArchOver primarily does UK business loans that are largely secured on whatever business assets are available…

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Baltic State Loans in Euros
4thWay Unrated
Too little info provided
N/A
7.5%
€7 m since 2014 in personal loans, homeowner loans & property development to Baltic State borrowers, with optional reserve fund, auto-lend, auto-diversification & early exit
P2P Lending Company

Lending Product Name


Baltic State Loans in Euros
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
7.5%
Description
€7 m since 2014 in personal loans, homeowner loans & property development to Baltic State borrowers, with optional reserve fund, auto-lend, auto-diversification & early exit
Get Details
 
SAVY Quick Expert Review: promising potential

SAVY has completed around €5 million in loans to borrowers in the Baltic States since 2014. SAVY…

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Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay Unrated
Too little info provided
N/A
6.97%
P2P Lending Company

Lending Product Name


Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
6.97%
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.
 

European Consumer Loans in Euros
4thWay Unrated
Too little info provided
N/A
6.8%
Spanish non-homeowner property loans, with auto-lend, auto-diversification & early exit
P2P Lending Company

Lending Product Name


European Consumer Loans in Euros
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
6.8%
Description
Spanish non-homeowner property loans, with auto-lend, auto-diversification & early exit
Get Details
 

Irish Personal & Business Loans In Euros, 20% Funded By Borrowers' Family & Friends
4thWay Unrated
Too little info provided
N/A
6.0%
Approx €32 m in personal and business loans since 2017, borrowers in Ireland
P2P Lending Company

Lending Product Name


Irish Personal & Business Loans In Euros, 20% Funded By Borrowers' Family & Friends
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
6.0%
Description
Approx €32 m in personal and business loans since 2017, borrowers in Ireland
Get Details
 
Flender Quick Expert Review: “own crowd” concept with great potential

Established in 2017, lenders using Flender have lent around €32 million to Irish business borrowers…

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Senior Property & Renewable Energy Loans/also in an IFISA
4thWay Unrated
Too little info provided
N/A
5.37%
P2P Lending Company

Lending Product Name


Senior Property & Renewable Energy Loans/also in an IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
5.37%
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…

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"A" to "C" Business Loans/available in an IFISA
4thWay Unrated
PLUS Rating pending...
N/A
5.00%
P2P Lending Company

Lending Product Name


"A" to "C" Business Loans/available in an IFISA
4thWay® PLUSRating
4thWay Unrated
PLUS Rating pending...
RiskScore
Interest AfterBad Debts
5.00%
Description
Get Details
interest rate shown is an approximate, provisional rate, pending further recovery of bad debts. We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.
 

Zopa Plus Account/Zopa Plus IFISA
4thWay Unrated
Too little info provided
N/A
3.7%
P2P Lending Company

Lending Product Name


Zopa Plus Account/Zopa Plus IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
3.7%
Description
Get Details
Average return for the vast majority of lenders has historically been within 1-2 percentage points of the advertised target rate.
 
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 targets returns…

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Zopa Core Account/Zopa Core IFISA
4thWay Unrated
Too little info provided
N/A
3.2%
P2P Lending Company

Lending Product Name


Zopa Core Account/Zopa Core IFISA
4thWay® PLUSRating
4thWay Unrated
Too little info provided
RiskScore
Interest AfterBad Debts
3.2%
Description
Get Details
Average return for the vast majority of lenders has historically been within 1-2 percentage points of the advertised target rate.
 
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 targets returns…

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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.

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 either based in the UK or would like to lend through companies based in the UK, 4thWay’s specialists in investing, credit and credit-risk provide the most thoroughly researched and professional comparison.

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

Commission 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 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 sites are eligible be listed here if 4thWay and lenders are provided 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?

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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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.

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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.

Got it

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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.

Got it

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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.

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