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Showing 32 results, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

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P2P Lending Company

Lending Product Name

RiskScore
Interest AfterBad Debts
Description
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30-Day Secured Business And Invoice Lending
2/10 Details
5.3%
£16m since 2014 in secured business overdrafts & loans secured on due customer invoices, with huge reserve fund, auto-lend, auto-diversification, & exit within 30 days
P2P Lending Company

Lending Product Name


30-Day Secured Business And Invoice Lending
4thWay® PLUSRating
RiskScore
2/10 Details
Interest AfterBad Debts
5.3%
Description
£16m since 2014 in secured business overdrafts & loans secured on due customer invoices, with huge reserve fund, auto-lend, auto-diversification, & exit within 30 days
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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.
 
Quick Expert Review

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

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Fixed Rate Classic Account. AVAILABLE IN AN IFISA
2/10 Details
3.54%
£42.5 m in residential buy-to-let loans since 2014, secured with reserve fund, auto-lend & early exit. IFISA available if you lend at least £5,000
P2P Lending Company

Lending Product Name


Fixed Rate Classic Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
2/10 Details
Interest AfterBad Debts
3.54%
Description
£42.5 m in residential buy-to-let loans since 2014, secured with reserve fund, auto-lend & early exit. IFISA available if you lend at least £5,000
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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.
 
Quick Expert Review

Landbay has completed tens of millions in P2P loans since 2014, and tens of millions…

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Tranche A, 0-50% LTV Commercial Property Loans. AVAILABLE IN AN IFISA
3/10 Details
6.91%
£27.5m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA
P2P Lending Company

Lending Product Name


Tranche A, 0-50% LTV Commercial Property Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
3/10 Details
Interest AfterBad Debts
6.91%
Description
£27.5m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA
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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.
 
Quick Expert Review

Proplend’s biggest strength is in the security, which is always properties that are earning rather…

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5-Year Lending. AVAILABLE IN AN IFISA
4/10 Details
5.5%
£80m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA
P2P Lending Company

Lending Product Name


5-Year Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
4/10 Details
Interest AfterBad Debts
5.5%
Description
£80m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend, auto-diversification & early exit. Available in an IFISA
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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.
 
Quick Expert Review

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

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SENIOR Property And Asset Loans Under 50% Average LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
5/10 Details
9.66%
£40m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10,000
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
5/10 Details
Interest AfterBad Debts
9.66%
Description
£40m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10,000
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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.
 
Quick Expert Review

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

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Zopa Core. AVAILABLE IN AN IFISA
5/10 Details
3.7%
£2.84 bn in personal loans since 2005, with auto-lend auto-diversification & early exit. Available in an IFISA. CURRENTLY A LONG WAITING LIST FOR NEW LENDERS
P2P Lending Company

Lending Product Name


Zopa Core. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
5/10 Details
Interest AfterBad Debts
3.7%
Description
£2.84 bn in personal loans since 2005, with auto-lend auto-diversification & early exit. Available in an IFISA. CURRENTLY A LONG WAITING LIST FOR NEW LENDERS
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The first P2P lending website in the world, started in 2005, and with lending measured in billions…

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Great British Business and Green Energy Income Accounts
6/10 Details
7.23%
£290m since 2013 in secured business loans & short-term property (bridging) & development loans, with reserve fund, auto-lend, auto-diversification & early exit
P2P Lending Company

Lending Product Name


Great British Business and Green Energy Income Accounts
4thWay® PLUSRating
RiskScore
6/10 Details
Interest AfterBad Debts
7.23%
Description
£290m since 2013 in secured business loans & short-term property (bridging) & development loans, with reserve fund, auto-lend, auto-diversification & early exit
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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.
 
Quick Expert Review

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

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Zopa Plus. AVAILABLE IN AN IFISA
6/10 Details
4.5%
£2.84bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA. CURRENTLY A LONG WAITING LIST FOR NEW LENDERS
P2P Lending Company

Lending Product Name


Zopa Plus. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
6/10 Details
Interest AfterBad Debts
4.5%
Description
£2.84bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA. CURRENTLY A LONG WAITING LIST FOR NEW LENDERS
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The first P2P lending website in the world, started in 2005, and with lending measured in billions…

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The 5 Year Market Everyday Account
4/10 Details
5.0%
£2.2bn in personal loans since 2005, with auto-lend, auto-diversification & early exit
P2P Lending Company

Lending Product Name


The 5 Year Market Everyday Account
4thWay® PLUSRating
RiskScore
4/10 Details
Interest AfterBad Debts
5.0%
Description
£2.2bn in personal loans since 2005, with auto-lend, auto-diversification & 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.
 
Quick Expert Review

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

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Conservative Business Lending Account. AVAILABLE IN AN IFISA
6/10 Details
4.8%
£3.0bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. (Available in an IFISA to existing lenders only)
P2P Lending Company

Lending Product Name


Conservative Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
6/10 Details
Interest AfterBad Debts
4.8%
Description
£3.0bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. (Available in an IFISA to existing lenders only)
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Quick Expert Review

Funding Circle demonstrates everything lenders could wish for: a history measured in billions of…

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Balanced Business Lending Account. AVAILABLE IN AN IFISA
7/10 Details
7.5%
£3.0bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. (Available in an IFISA to existing lenders only)
P2P Lending Company

Lending Product Name


Balanced Business Lending Account. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
7/10 Details
Interest AfterBad Debts
7.5%
Description
£3.0bn lent since 2010 in mostly lower-risk & some higher risk business loans, with auto-lend, auto-diversification & early exit. (Available in an IFISA to existing lenders only)
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Quick Expert Review

Funding Circle demonstrates everything lenders could wish for: a history measured in billions of…

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Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV. AVAILABLE IN AN IFISA
7/10 Details
8.15%
£27.5m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA
P2P Lending Company

Lending Product Name


Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
7/10 Details
Interest AfterBad Debts
8.15%
Description
£27.5m lent since 2014 secured on residential BTL & commercial property receiving rent, with early exit. Available in an IFISA
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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.
 
Quick Expert Review

Proplend’s biggest strength is in the security, which is always properties that are earning rather…

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Rented and Development Property Lending
N/A Details
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
N/A Details
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.
 
Quick Expert Review

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 Details
11.2%
£160m since 2013 secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA
P2P Lending Company

Lending Product Name


Asset-Secured Lending. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
11.2%
Description
£160m since 2013 secured on cars & boats, & short-term property (bridging) & developments, with early exit. Available in an IFISA
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Quick Expert Review

FundingSecure has done well over £100 million in lending since 2013. We have no information…

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JUNIOR Property And Asset Loans up to 70% LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
9/10 Details
6%
£40m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10,000
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
9/10 Details
Interest AfterBad Debts
6%
Description
£40m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10,000
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Quick Expert Review

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

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Bridging And Development Loans
N/A Details
12%
£20m since 2014 in secured short-term (bridging) & property development loans
P2P Lending Company

Lending Product Name


Bridging And Development Loans
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
12%
Description
£20m since 2014 in secured short-term (bridging) & property development loans
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Quick Expert Review

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 Details
11.11%
€36.86m 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
N/A Details
Interest AfterBad Debts
11.11%
Description
€36.86m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent
Get Details
 

Asset-Secured Lending
N/A Details
10%
£75m since 2015 secured on cars & boats, & short-term property (bridging) & developments
P2P Lending Company

Lending Product Name


Asset-Secured Lending
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
10%
Description
£75m since 2015 secured on cars & boats, & short-term property (bridging) & developments
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Quick Expert Review

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

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Shield Loans
N/A Details
8.9%
£32.5m since 2012 in business, property & energy project loans, with auto-lend & early exit
P2P Lending Company

Lending Product Name


Shield Loans
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
8.9%
Description
£32.5m since 2012 in business, property & energy project loans, with auto-lend & early exit
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Quick Expert Review

FundingKnight has completed tens of millions in loans since 2012. It has relatively high bad debts…

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Business Loans. AVAILABLE IN AN IFISA
N/A Details
8.7%
£10m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA
P2P Lending Company

Lending Product Name


Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
8.7%
Description
£10m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA
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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.
 
Quick Expert Review

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

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Commercial Property, Energy Project And Development Loans. AVAILABLE IN AN IFISA
N/A Details
8.65%
£14m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
P2P Lending Company

Lending Product Name


Commercial Property, Energy Project And Development Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
8.65%
Description
£14m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 

Baltic State Loans in Euros
N/A Details
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
N/A Details
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
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Quick Expert Review

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

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Secured And Insured Business Invoice Loans
N/A Details
7.3%
£50m in loans to profitable businesses since 2014, secured & insured loans
P2P Lending Company

Lending Product Name


Secured And Insured Business Invoice Loans
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
7.3%
Description
£50m in loans to profitable businesses since 2014, secured & insured loans
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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.
 
Quick Expert Review

Established in 2014, lenders using ArchOver have lent tens of millions of pounds to business…

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P2P British Business Bonds. AVAILABLE IN AN IFISA
N/A Details
7.2%
£12m lent since 2014 in corporate bonds (interest only business loans). Available in an IFISA
P2P Lending Company

Lending Product Name


P2P British Business Bonds. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
7.2%
Description
£12m lent since 2014 in corporate bonds (interest only business loans). Available in an IFISA
Get Details
 

Business And Property Loans
N/A Details
7%
£260m 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
N/A Details
Interest AfterBad Debts
7%
Description
£260m since 2011 in secured business loans & short-term property (bridging) & development loans, with early exit
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Quick Expert Review

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
Unrated
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
Unrated
RiskScore
N/A
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 Details
6.0%
Under €1m 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
N/A Details
Interest AfterBad Debts
6.0%
Description
Under €1m 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.
 
Quick Expert Review

Established in 2017, lenders using Flender have lent less than a million euros to Irish borrowers, who can be…

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Self-Select And Growth Accounts. AVAILABLE IN AN IFISA
N/A Details
6%
£15m since 2014 in business loans, with auto-lend & early exit. Available in an IFISA
P2P Lending Company

Lending Product Name


Self-Select And Growth Accounts. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
6%
Description
£15m since 2014 in business loans, with auto-lend & early exit. Available in an IFISA
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Quick Expert Review

LendingCrowd has been growing slow and steady since 2014 and has done around £10 million in business…

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"A" to "C" Business Loans. Available in an IFISA
Unrated
N/A
5%
Business loans rated "A" to "C" by rebuildingsociety. AVAILABLE IN AN IFISA
P2P Lending Company

Lending Product Name


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

3 Year Capital
N/A Details
4.31%
£600m since 2006 (incl. lending before becoming a P2P operator) in business loans to insurance brokers, accountancy & law firms, schools & for non-state school fees, with auto-lend & auto diversification
P2P Lending Company

Lending Product Name


3 Year Capital
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
4.31%
Description
£600m since 2006 (incl. lending before becoming a P2P operator) in business loans to insurance brokers, accountancy & law firms, schools & for non-state school fees, with auto-lend & auto diversification
Get Details
Rates shown are slightly lower than those shown on Orchard Lending Club's site. That's because we change the interest rate calculation to bring it into line with all the other peer-to-peer lending sites.
 

2-Year Lending
Unrated
N/A
1.83%
£540m since 2013 in secured short-term (bridging) & property development loans, with auto-lend, auto-diversification, early exit & pledge to try to cover some losses itself
P2P Lending Company

Lending Product Name


2-Year Lending
4thWay® PLUSRating
Unrated
RiskScore
N/A
Interest AfterBad Debts
1.83%
Description
£540m since 2013 in secured short-term (bridging) & property development loans, with auto-lend, auto-diversification, early exit & pledge to try to cover some losses itself
Get Details
Interest rates shown are lower than those on Wellesley'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.
 
Quick Expert Review

Please see this article: Why I’d Sell Wellesley Loans.

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"A" to "C+" Business Loans. AVAILABLE IN AN IFISA
N/A Details
0%
Business loans rated "A-C" by Money&Co. Available in an IFISA
P2P Lending Company

Lending Product Name


"A" to "C+" Business Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
RiskScore
N/A Details
Interest AfterBad Debts
0%
Description
Business loans rated "A-C" by Money&Co. Available in an IFISA
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.

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.

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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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