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 our research articles to help you lend your money better

You can read all our articles and research reports in our Candid Opinion section or our News section.

Below are our most recent newsletter articles. Sign up to the newsletter 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.

P2P Lending: How And When You Can Access Your Money

And when you can't.

Here's a complete run-through of all the rules and limits for getting your money back and if you can get it back before loans are fully repaid.

How Lending Works' Insurance Against Losses Works

We delve as far into Lending Works' secretive insurance as anyone has gone before.

Luckily we have a former insurance consultant among our investment experts. He investigated Lending Works' insurance in more detail. Here's what he found and concluded.

Cashback: Where Can You Get A Great Lending Bonus?

There aren't many worthwhile bonuses around, but we've got one or two.

If you are interested in cashback, you'll find the two best options we could find here. You'll also read the surprising negatives of cashback and how you can avoid them. Take a look here.

Should I Sell RateSetter Loans?

A briefer follow-up to our recent RateSetter report.

You probably saw 4thWay's alert on RateSetter last week. In case you missed it or didn't understand it, here‘s the briefer article on the same subject.

Fact Check: RateSetter Hit By £80m Of Struggling Loans

Should you sell RateSetter loans?

After RateSetter admits substantial mistakes, we:

  • Look at the impact of RateSetters' mistakes on individual lenders.
  • Take a renewed look at the worsening risk-reward balance at RateSetter.
  • Conclude with an opinion on whether to sell RateSetter loans.

Find out here.

Wellesley Is Still A Sell

At least, that's what one 4thWay expert believes.

After Wellesley provided a bit more information to its lenders, Neil Faulkner reconsiders his sell recommendation from January. Read his update here.

7 Reasons To Put Half Your Savings In P2P Lending

Deciding where to put your spare money is not rocket science.

Neil (again – lots of people on holiday) writes a piece about why he thinks most people should put 50% of their investing pot into P2P lending, and also what to do with the rest of your wealth. Read it here.

Buy Tip: Why You Should Lend Through CapitalStackers

Honesty, down-to-Earthness and competence. Potent mix.

Here's a strong opinion on CapitalStackers, a not-so-well known, but profitable, P2P lending site that does a variety of property-type loans.

How Millennials Are Making Money From P2P Lending

Who do these pip squeaks think they are?

One in nine people doing P2P lending, at least through one P2P site, are so-called Millennials – adults of the digital generation. Find out why and what features of P2P lending are advantageous to them.

Just Another Brief IFISA Update

Not much news here, just a refreshed table.

Aside from telling you everything you need to know about these tax-free lending products, our IFISA Guide includes a table of the P2P lending sites that already offer IFISAs. We've just updated that table a few times recently, so here is the IFISA Guide again.

 

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: 5.19%

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, 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.

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

×
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