Compare Peer-to-Peer Lending Companies

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Showing 37 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

Fixed Rate Classic Account. AVAILABLE IN AN IFISA
2/10 How do Risk Scores work?
3.54%
P2P Lending Company

Lending Product Name


Fixed Rate Classic Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
3.54%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Landbay Quick Expert Review: strict lending criteria and low-risk BTL mortgages for lenders

Landbay has completed over £100 million in residential landlord mortgages since 2014. Internally assessed by…

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Tranche A, 0-50% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA
3/10 How do Risk Scores work?
7.33%
P2P Lending Company

Lending Product Name


Tranche A, 0-50% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.33%
Description
Get Details
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’s biggest strength is in the security, which is always properties that are earning rather…

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30-Day Secured Business Lending
3/10 How do Risk Scores work?
5.3%
£70m since 2014 in secured business overdrafts, with huge reserve fund, auto-lend, auto-diversification, & exit within 30 days. £200 CASHBACK AVAILABLE - read the Quick Expert Review below
P2P Lending Company

Lending Product Name


30-Day Secured Business Lending
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.3%
Description
£70m since 2014 in secured business overdrafts, with huge reserve fund, auto-lend, auto-diversification, & exit within 30 days. £200 CASHBACK AVAILABLE - read the Quick Expert Review below
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Growth Street Quick Expert Review: a professional company with solid defences against losses

Established in 2014 and lending in the tens of millions, this innovative and professional P2P lending…

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SENIOR Property And Asset Loans Under 50% Average LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
4/10 How do Risk Scores work?
8.80%
P2P Lending Company

Lending Product Name


SENIOR Property And Asset Loans Under 50% Average LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.80%
Description
Get Details
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: the most secure loans in the industry (if you’re selective), plus highly personalised service

HNW Lending has completed tens of millions in loans since 2014. Its key decision maker has a decade’s…

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5-Year Lending. AVAILABLE IN AN IFISA
4/10 How do Risk Scores work?
6.5%
P2P Lending Company

Lending Product Name


5-Year Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.5%
Description
Get Details
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: low bad debts, a reserve fund and insured loan repayments

The word “strong” doesn’t even begin to describe the defences this personal loans P2P…

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The 5 Year Market Everyday Account. AVAILABLE IN AN IFISA
4/10 How do Risk Scores work?
5.8%
P2P Lending Company

Lending Product Name


The 5 Year Market Everyday Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.8%
Description
Get Details
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: professional business with a good record

Established in 2010 and with lending measured in billions, this agile P2P lending company has…

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Property Secured Account. AVAILABLE IN AN IFISA
4/10 How do Risk Scores work?
5.64%
P2P Lending Company

Lending Product Name


Property Secured Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.64%
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 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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Manual Lending Account. AVAILABLE IN AN IFISA
5/10 How do Risk Scores work?
6.5%
P2P Lending Company

Lending Product Name


Manual Lending Account. AVAILABLE IN AN 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 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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Great British Business Account Series 2. AVAILABLE IN AN IFISA
5/10 How do Risk Scores work?
6.43%
P2P Lending Company

Lending Product Name


Great British Business Account Series 2. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.43%
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 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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Zopa Core. AVAILABLE IN AN IFISA
5/10 How do Risk Scores work?
4.5%
P2P Lending Company

Lending Product Name


Zopa Core. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4.5%
Description
Get Details
 
Zopa Quick Expert Review: the oldest P2P lending company and with a fantastic record

The first P2P lending website in the world, started in 2005, and with lending measured in billions…

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Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA. AVAILABLE IN AN IFISA
7/10 How do Risk Scores work?
8.53%
P2P Lending Company

Lending Product Name


Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent. AVAILABLE IN AN IFISA. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.53%
Description
Get Details
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’s biggest strength is in the security, which is always properties that are earning rather…

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Zopa Plus. AVAILABLE IN AN IFISA
7/10 How do Risk Scores work?
5.2%
P2P Lending Company

Lending Product Name


Zopa Plus. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.2%
Description
Get Details
 
Zopa Quick Expert Review: the oldest P2P lending company and with a fantastic record

The first P2P lending website in the world, started in 2005, and with lending measured in billions…

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JUNIOR Property And Asset Loans up to 70% LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
7/10 How do Risk Scores work?
7.47%
P2P Lending Company

Lending Product Name


JUNIOR Property And Asset Loans up to 70% LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.47%
Description
Get Details
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: the most secure loans in the industry (if you’re selective), plus highly personalised service

HNW Lending has completed tens of millions in loans since 2014. Its key decision maker has a decade’s…

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Self-Select Account. AVAILABLE IN AN IFISA
7/10 How do Risk Scores work?
7.39%
P2P Lending Company

Lending Product Name


Self-Select Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.39%
Description
Get Details
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

LendingCrowd has been growing slow and steady since 2014 and has done tens of millions of pounds of…

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Growth & Income Accounts. AVAILABLE IN AN IFISA
7/10 How do Risk Scores work?
6%
P2P Lending Company

Lending Product Name


Growth & Income Accounts. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6%
Description
Get Details
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

LendingCrowd has been growing slow and steady since 2014 and has done tens of millions of pounds of…

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Rented and Development Property Lending
N/A How do Risk Scores work?
11.3%
£6m 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
11.3%
Description
£6m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit
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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.
 
CapitalStackers Quick Expert Review: very attractive interest rates and takes loan checking to a whole new level

CapitalStackers has completed under £10 million since launch in 2014. Its team could be one of…

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Asset-Secured Lending. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
4%
P2P Lending Company

Lending Product Name


Asset-Secured Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
4%
Description
Get Details
Interest rates are a conservative guess from 4thWay, due to limited information about how many existing late loans are likely to be written off
 
FundingSecure Quick Expert Review: I still generally like what I can see, but I want more details and note the wide spread of risk in these higher-rate loans

FundingSecure’s own total lending figures on its website overstate its size, but adjusting for that it…

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Bridging And Development Loans
N/A How do Risk Scores work?
12%
£130m since 2014 in secured short-term (bridging) & property development loans
P2P Lending Company

Lending Product Name


Bridging And Development Loans
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
12%
Description
£130m since 2014 in secured short-term (bridging) & property development loans
Get Details
 
BridgeCrowd Quick Expert Review: seemingly solid loans and interest rates, but insufficient information

BridgeCrowd had a fantastic record up to January 2016 – when its information stops. It has done tens…

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Baltic State Residential & Commercial Property, And Development Loans, in Euros
N/A How do Risk Scores work?
11.11%
€85m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent
P2P Lending Company

Lending Product Name


Baltic State Residential & Commercial Property, And Development Loans, in Euros
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
11.11%
Description
€85m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent
Get Details
 

Development And Property-Secured Business Loans
N/A How do Risk Scores work?
11.00%
>£1m 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
RiskScore
Interest AfterBad Debts
11.00%
Description
>£1m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
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BLEND Network Quick Expert Review: interest rates look attractive, but more time required to test this service

BLEND Network is new, having started in 2017. We have not been provided with any evidence that the key…

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Bridging & Development Loans. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
10.4%
P2P Lending Company

Lending Product Name


Bridging & Development Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
10.4%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
CapitalRise Quick Expert Review: will be surprised if this one isn’t a good’un

CapitalRise has completed around £10 million since launch in 2014. The key decision-maker has both a…

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Asset-Secured Lending. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
10%
P2P Lending Company

Lending Product Name


Asset-Secured Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
10%
Description
Get Details
 
MoneyThing Quick Expert Review: could be good, but we need more info about bad debts

MoneyThing has done tens of millions in lending since 2015. We have sparse information about the…

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Commercial Property, Energy Project And Development Loans. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
8.51%
P2P Lending Company

Lending Product Name


Commercial Property, Energy Project And Development Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
8.51%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 

Secured Business Loans. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
7.80%
P2P Lending Company

Lending Product Name


Secured Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.80%
Description
Get Details
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 £80 million to business borrowers. Many…

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Business & Property Loans. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
7.66%
P2P Lending Company

Lending Product Name


Business & Property Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.66%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Crowd2Fund Quick Expert Review: fine early results; interesting model for finding prime borrowers

Crowd2Fund, which started in 2015, is still small, barely hitting eight figures in lending, but it is growing rapidly…

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Baltic State Loans in Euros
N/A How do Risk Scores work?
7.5%
€7m 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
RiskScore
Interest AfterBad Debts
7.5%
Description
€7m 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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British Business Bonds. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
7.2%
P2P Lending Company

Lending Product Name


British Business Bonds. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.2%
Description
Get Details
 

Kuflink Auto-Invest 5 Years. AVAILABLE AS AN IFISA
N/A How do Risk Scores work?
7.00%
P2P Lending Company

Lending Product Name


Kuflink Auto-Invest 5 Years. AVAILABLE AS AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7.00%
Description
Get Details
 
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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Business And Property Loans
N/A How do Risk Scores work?
7%
£290m since 2011 in secured business loans & short-term property (bridging) & development loans, with early exit
P2P Lending Company

Lending Product Name


Business And Property Loans
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
7%
Description
£290m since 2011 in secured business loans & short-term property (bridging) & development loans, with early exit
Get Details
 
ThinCats Quick Expert Review: new owners seem to offer a good future

ThinCats is large and established, with lending in the hundreds of millions since 2011. Its organised…

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European Consumer Loans in Euros
N/A How do Risk Scores work?
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
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
N/A How do Risk Scores work?
6.0%
Approx €3m 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
RiskScore
Interest AfterBad Debts
6.0%
Description
Approx €3m in personal and business loans since 2017, borrowers in Ireland
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Flender Quick Expert Review: “own crowd” concept with great potential

Established in 2017, lenders using Flender have lent over one million euros to Irish business borrowers…

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Balanced Business Lending Account. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
6.0%
P2P Lending Company

Lending Product Name


Balanced Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.0%
Description
Get Details
 
Funding Circle Quick Expert Review: a very strong history, although with recent signs for caution

Funding Circle has a history measured in billions of pounds of loans stretching back to 2010, and…

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Kuflink Select-Invest
N/A How do Risk Scores work?
6.0%
£30m since 2014 in secured short-term (bridging) & property development loans
P2P Lending Company

Lending Product Name


Kuflink Select-Invest
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
6.0%
Description
£30m since 2014 in secured short-term (bridging) & property development loans
Get Details
 
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 And Renewable Energy Loans. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
5.42%
P2P Lending Company

Lending Product Name


Senior Property And Renewable Energy Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.42%
Description
Get Details
 
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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Conservative Business Lending Account. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
5.0%
P2P Lending Company

Lending Product Name


Conservative Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5.0%
Description
Get Details
 
Funding Circle Quick Expert Review: a very strong history, although with recent signs for caution

Funding Circle has a history measured in billions of pounds of loans stretching back to 2010, and…

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"A" to "C" Business Loans. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
5%
P2P Lending Company

Lending Product Name


"A" to "C" Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
5%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 

"A" to "C+" Business Loans. AVAILABLE IN AN IFISA
N/A How do Risk Scores work?
0%
P2P Lending Company

Lending Product Name


"A" to "C+" Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
Interest AfterBad Debts
0%
Description
Get Details
Money&Co. interest rate set to 0% because we do not have enough information to estimate interest earned after losses.
 
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.

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

Commission and impartial research: our service is free to you. 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.

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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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.

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 “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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