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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.

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?

4thWay PLUS Ratings: March 2021 Changes

The rating of one P2P lending company has changed. Check it out in our update.

What Happened To P2P Lending Companies That Closed?

We've taken a fresh look at what happened to lenders at the different peer-to-peer lending sites that closed or shifted away from the P2P model. Have closures been benign or are lenders making losses? And how can you avoid the worst closures? Read on.

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.

How Useful Are Borrower Guarantees In Peer-To-Peer Lending?

We've taken a look at a few P2P lending companies to find out the impact of borrower guarantees on bad debts.

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?

Growth Street Lenders Get Full Return Of All Money And Interest

After lenders requested to sell their loans in large numbers, Growth Street engaged its wind-down plans. All individual lenders who ever used Growth Street made a profit. Read more.

Lending Works Has Re-Opened For New Lending

Lending Works battened down the hatches last year, but all existing lenders holding on to their loans until they're repaid are still expected to make a profit. As of 5th January 2021, new lenders can now join them, so here's our updated Lending Works review.

More Updated Reviews

BLEND Network Review.

SoMo Review.

P2P Lending And COVID-19: Lots Of Updates From 4thWay's Specialist

It's been eight months since people and businesses started to become impacted financially from efforts to contain the pandemic.

Here are updates from 4thWay's specialists on the performance and situation at Assetz Capital, Zopa, Funding Circle, CrowdProperty and many more. Get updated here.

Sourced Capital Review

After 4thWay's extensive data collection, background research, Q&As and interviews, we have a new review for you from a P2P lending platform with its own ecosystem. Find out about Sourced Capital.

Recent Movements In The 4thWay PLUS Ratings

A change in a calculated 4thWay PLUS Rating is a very important indicator of risk and reward at a P2P lending company. Read the latest here.

Lots Of Reviews Have Been Updated Recently

CapitalStackers Review

CrowdProperty Review

Funding Circle Review

HNW Lending Review

LendingCrowd Review

Loanpad Review

Proplend Review

Zopa Review

HNW Lending Cleared To Restart All Activity By Regulator

HNW Lending has restarted all of its lending activities. Take a look at the full update, with some of the changes that HNW Lending has instigated.

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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