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Guides, Reviews & Tips

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Why do peer-to-peer lending? It offers inflation-beating returns with lower risk than the stock market even when you commit your money for less time.

4thWay provides candid information about all the risks and benefits, so that you can decide for yourself whether it's right for you.

Here are five great ways to learn about peer-to-peer lending, including P2P IFISAs, and how to earn more money, more safely.

1. Read our 10 Core P2P Lending Guide pages

1. What is P2P Lending? Or see an image explaining the same in How Peer-to-Peer Lending Works.

2. Is Peer-to-Peer Lending Safe?

3. 4thWay's 10 P2P Investing Principles.

4. Peer-To-Peer Lending Risks – The Big Seven. (And two more risks in IFISAs: IFISAs: What Are The Risks?)

5. 4-Step Strategy to Safe Peer-to-Peer Lending.

6. 10 Ways To Get Your P2P Lending Money Back!

7. Peer-to-Peer Lending Vs Other Investments.

8. How Is Peer-to-Peer Lending Taxed?

9. The IFISA (P2P ISA) Guide.

10. How One Lender Is Losing Money – A Lesson In P2P Lending Diversification.

Plus, read our mini-guides, including Can Your Business Lend Through P2P? and many more.

And for expert lenders

You want even more info? You really must get the basics above first, but after that, if you're a seriously active investor putting lots of time into this, think about diving into our more detailed guide: How To Assess P2P Lending Sites.

If you get stuck for understanding any jargon, we offer you our Peer-to-Peer Lending And IFISA Glossary.

2. Compare lending products and IFISAs

Compare all P2P lending products, including IFISAs or just compare IFISAs.

3. Visit our five most popular pages

4. See P2P Lending Reviews from 4thWay's specialists

There is probably no better way anywhere on the Web to quickly learn about each individual P2P lending opportunity than by reading reviews from our specialists.

Read our very popular and educational reviews for each P2P lending site by going to the compare page and then clicking on the reviews that interest you, so that you can see other key information side-by-side, such as their 4thWay PLUS Ratings.

Or you can click on the links here if you just want to read individual reviews in peace:

5. Read our latest research and articles

You can also add to your knowledge by signing up to our newsletter below, or by looking through our P2P lending tips, research, buy and sell tips, and candid opinions. You'll find it all in our articles and research section.

Is The Assetz Capital Login Secure?

4thWay's security provider Sucuri does a soft probe of Assetz Capital's website. We also refer to a Qualys report and information provided by Assetz itself. Read on.

LendingCrowd Loses Its 4thWay PLUS Ratings

It's not often that a P2P lending company or P2P IFISA provider takes a substantial backwards step in providing information, but in this case it has caused the loss of LendingCrowd's ratings on all its lending accounts. Find out what this means here.

ArchOver Review – Huge Update!

We've been ramping up our schedule of updating reviews recently. ArchOver was long overdue, so here is a completely refreshed and lengthened update from one of 4thWay's specialists.

What You Need To Know About P2P Bridging Lending To Contain The Risks

Here's an advanced piece for lenders who have been doing P2P lending for a long time and want to understand more about one of the stronger indicators of the health of bridging loans. If you consider yourself something of a P2P lending expert, read on.

CapitalStackers Review – Fully Updated

Our CapitalStackers has been fully overhauled after our latest research into this remarkable investment. Down-to-earth and ethical management from a highly competent team that provides the safest high-rate returns in the industry. Read the CapitalStackers Review.

Assetz Capital Review – Fully Revamped And Updated

We assessed Assetz Capital's 4thWay PLUS Ratings last month, but delayed the full review update due to low levels of lending. Lending is now picking up again after it re-opens its P2P lending. (It temporarily stopped that to offer government-backed loans.) So we've updated the Assetz Capital Review with the latest information.

We've acquired even more information about reserve funds since writing our update on its ratings last month, so do check out the massively revamped Assetz Capital review.

Why P2P Lending Should Be A Sizeable Part Of Your Retirement Planning

Incredible research published recently makes an overwhelming case for investing in shares for retirement. But, at the same time, the results show the case for complementing your retirement plans with a very hefty dose of P2P lending.

Reserve Funds Don't Give Full Protection, But There's Something Better

Reserve funds are one of those things that can easily be misunderstood. Misunderstandings in investing can lead to shock, panic, anger – and poor decisions from investors.

Read on to understand reserve funds a bit better and to find out what offers more protection than these pots of money set aside to pay bad debts.

Fend Off Peer-To-Peer Lending Fraud & Incompetence – A Checklist

After a 4thWay user contacted us asking about an investment paying “up to 25% pa…plus performance bonuses” – which didn't mention a single risk or potential downside – we've used that example to add more items to our fraud checklist.

If you invest in the stock market or elsewhere, all the items on the checklist can easily be adapted to those as well. Check out the fraud checklist before each and every investment.

How To Assess The People Behind P2P Personal Or Business Lending Platforms

One of the key things to understand when putting your money into a lending account is the competence and character of the people behind the P2P lending company in question.

This guide is packed full of tips on what to look for and how to get it.

LendingCrowd Loses Its 4thWay PLUS Rating

In a rare move, LendingCrowd has substantially reduced its transparency with lenders and has therefore lost its 4thWay PLUS Ratings. Read this to find out what information is gone, what information it now provides, and what to do next.

Assetz Capital PLUS Rating Update

Assetz Capital was one of the businesses that temporarily paused P2P lending last year in order to offer businesses government-backed pandemic loans, which weren't available as P2P.

It's now reopening its P2P lending. Read about its latest rating assessment here.

HNW Lending Review

We've reassessed HNW Lending and updated its review. Read it here.

Why P2P Lending Pays Investors Higher Rates Than Bonds

P2P lending is like bank lending and other non-bank lending. Why is it that it pays higher lending rates than bonds? Read about it here.

Kuflink Enacts Changes In Response To Auditor Concerns On Governance

We explain Kuflink's ticking off and resignation of its former auditors. We look at Kuflink's response, lender reaction and 4thWay's view.  Read about it here.

We've also updated the Kuflink Review.

4thWay PLUS Rating Update On Lending Works. Assetz Capital Delayed

What with Lending Works' negative lending rates last year, this is a very topical update. Read what lenders putting money in today can expect in a severe recession.

Has Anyone Lost Money At Lending Works And How Variable Are Lending Results? (P.S. Please Don't Unsubscribe).

We review the evidence so far.

What Lending Works Has Got Wrong

Lending Works has made mistakes and so we summarise them here.

Funding Circle Share Price: Is Funding Circle A Buy?

Neil Faulkner reviews the Funding Circle share price. Is Funding Circle now a buy for share investors at last?

Best Innovative Finance ISAs In 2021

If you're looking for your next IFISAs before the end of the current IFISA season, check out Neil Faulkner's top selections from the entire market. He's chosen his favourite six IFISAs for lenders.

HMRC Confirms You Can Open Multiple IFISAs In One Year!

It's official, from the horse's mouth to 4thWay subscribers' ears: you can spread your money across more than one IFISA in a year if you get started before the end of the IFISA season and follow HMRC ISA rules very closely. Here's how.

15 Years Of Profitable P2P lending And Beating The Stock Market

We’ve now had 15 full calendar years of P2P lending, which included the Great Recession (albeit for just the one P2P lending company around at the time) and more recently a massive 20% recession coinciding with the first 11 months of the worst pandemic for 100 years. How have lenders in P2P done since it started?

Read more in our articles and research section:

Candid Opinion and Tips.

Peer-to-peer lending news.

Peer-to-peer lending guides and IFISA guides.

Today’s average interest rates

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

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

×

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

×
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