Learn

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Five ways to learn what you need to know to lend better, and more safely, through P2P:

1. Read our P2P lending guide pages

2. Visit our five most popular website pages

3. See 4thWay's Quick Expert Reviews

There is probably no better way anywhere on the Web to learn about each individual P2P lending opportunity than our experts' reviews.

You can see our popular Quick Expert Reviews for each P2P lending site by going to the compare page and then clicking on the reviews that interest you.

(And you can “meet” our experts here.)

4. Read articles to help you lend your money better

Here are some of our most recent newsletter articles. Sign up using the form at the bottom of this page to learn how to lend better, increase your interest rates and lower the risks, and to receive alerts when we think it is time to sell.

Which P2P Lending Sites Are Profitable?

You ask, you get!

More than one of you has poked us for information on which P2P lending sites actually make money. Here is our first ever list, along with our views on how important profitability actually is to reduce our risks as individual lenders.

The Safest Type Of Lending

Everything else being equal, what types of loans are the safest to lend in?

We describe the types of loans that are intrinsically lowest risk, and point you to the P2P lending sites that offer them, here.

Two Ways That P2P Lending Can Help You To Retire

Interest in, retirement income out.

Investors have been disappointed with pension returns for decades. Here‘s how P2P lending can be used to complement your other retirement plans and produce a new income for you.

Who Owns The P2P Lending Sites?

Who's got your back (indirectly)?

Big backers give P2P sites the cash to grow and succeed. This reduces the risk of a P2P lending site going bust leaving you, at best, with delays in getting your money back. Read our first ever list of the P2P lending sites with the most significant backing here.

What's Happened Recently That You Need To Know

There's news, and then there's news!

Here, we give our views on how some recent news across the industry will impact you, so you can make better lending decisions in future.

5. Dig into 4thWay Insight Reports

If our quick expert reviews, guides, articles and comparison tables aren't enough to help you decide where to lend your money, you can get very detailed information on individual P2P lending companies from 4thWay's experienced experts and professionals, please read:

4thWay's Funding Circle Review.

4thWay's Lending Works Review.

Proplend's 4thWay® Insight Report.

4thWay's RateSetter Review.

4thWay's Zopa Review.

Today’s average interest rates

4thWay® Forecast Returns Index: 5.07%

Showing average expected interest rates for individual lenders after fees and bad debts if you lend today.
Read about the first P2P lending index.

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 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.

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

×

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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