Compare P2P Lending Companies

Click "Learn" to get help

Start here!

How much have you got to lend?

How long do you want to lend for?

Who selects your borrowers

Might you need an early exit?

Available as an IFISA

Save Selections

So we can save your above selections for future visits, please confirm your email address. We will not send you any emails!

 

Showing 34 results, 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

30-Day Secured Business And Invoice Lending
2/10 Details
6.0%
£16m since 2014 in secured business overdrafts and loans secured on due customer invoices, with huge reserve fund, auto-lend, and 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
6.0%
Description
£16m since 2014 in secured business overdrafts and loans secured on due customer invoices, with huge reserve fund, auto-lend, and exit within 30 days
Get Details
We earn commission from this platform 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…

Expand to read more

Fixed Rate Classic Account. AVAILABLE IN AN IFISA.
2/10 Details
3.75%
£20.0m 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
3.75%
Description
£20.0m 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
Get Details
We earn commission from this platform and it doesn't affect our impartiality. See details below table.
 
Quick Expert Review

Internally assessed by one of 4thWay’s risk modellers, Landbay has good processes and a team…

Expand to read more

Tranche A, 0-50% LTV Commercial Property Loans
3/10 Details
6.3%
£12.5m lent since 2014 secured on commercial property receiving rent, with early exit
P2P Lending Company

Lending Product Name


Tranche A, 0-50% LTV Commercial Property Loans
4thWay® PLUSRating
RiskScore
3/10 Details
Interest AfterBad Debts
6.3%
Description
£12.5m lent since 2014 secured on commercial property receiving rent, with early exit
Get Details
We earn commission from this platform 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…

Expand to read more

5-Year Lending. AVAILABLE IN AN IFISA
4/10 Details
5.0%
£65m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend & 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
5.0%
Description
£65m in personal loans since 2014, with large reserve fund, loan repayment insurance, auto-lend & early exit. Available in an IFISA
Get Details
We earn commission from this platform 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…

Expand to read more

Property And Asset Loans From 5%-70% LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
5/10 Details
9%
£20m 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


Property And Asset Loans From 5%-70% LTV. AVAILABLE IN AN IFISA. MIN LOAN IS £10,000
4thWay® PLUSRating
RiskScore
5/10 Details
Interest AfterBad Debts
9%
Description
£20m 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 platform 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…

Expand to read more
Get more detailson 1-5 selected results
1 2 3 4 5 6 7
SCROLL DOWN TO LOAD MORE RESULTS! Most items in our comparison tables are updated at least monthly with some items updated daily or weekly. 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 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.

OK

×

Are you sure?

You haven’t selected low-risk options only, so you might see some pretty risky options in this list.

Pay attention to the calculated 4thWay® Risk Ratings.

If you think of the risk of making a permanent loss as zero for a savings account, a 4thWay® Risk Rating of 1 is very low risk, while a rating of 50 is risky.

Ensure you get more than enough interest to compensate for riskier options.

Better yet, select low-risk options only from the filters list.

Got it

×

Low risk, not no risk

While you’re much more likely to preserve your wealth with P2P lending than with savings accounts or cash ISAs, the safest P2P lending still comes with a very small additional risk of losing some money, and you might not be able to get your money back swiftly at all times.

If this is a problem for you, a top savings account is more appropriate for you.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×
Back to top