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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. The Five Key Risks In P2P Lending. (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 six most popular website pages

4. See 4thWay's Expert Reviews

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 experts.

Read our very popular and educational Expert 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.

Here is a snapshot of some of our latest pieces sent out to our newsletter subscribers:

Best Alternative To Landbay

Landbay is now only allowing banks, hedge funds and other financial institutions to lend through it. Having closed its doors to individual lenders and returned their money, where should you now look for the lowest risk kind of peer-to-peer or IFISA lending? Read the Best Alternative To Landbay.

RateSetter Review – New And Extended!

One of our specialists has updated and extended the RateSetter Review with a great deal more information. Check out the RateSetter Review.

Why Do Peer-To-Peer Lending Rates Fall? 5 Reasons

With Lending Works, RateSetter, Zopa, and others reducing their lending rates or target lending rates, it's a good time to look at the five different reasons why lending rates can fall.

Lending Works: Update On Interest Rates, Reserve Fund & More

There's an awful lot to report about this popular personal lending platform that interested lenders need to know. Please read on.

Man Down! (I Mean, Person Down. Or Persons.)

We're still down several persons for our Panel of Peers, so I hope you'll consider volunteering. The Panel governs 4thWay on behalf of all lenders to ensure it remains independent.

Latest Cashback Deals

We've updated the cashback deals page, through which we log all the attractive cashback offers from P2P lending and P2P IFISA providers. Here they are.

Some Of The Guides And Reviews That Have Been Updated

Lending Works Review.
The P2P Lending Sites That Spread Your Money Across Every Loan.
10 Ways To Get Your P2P Lending Money Back!
P2P Lending: How And When You Can Access Your Money.
How Is Peer-to-Peer Lending Taxed?
Where Can You Buy Or Sell Existing Loans?

Zopa Review – New And Extended!

It was waaaay past time that we updated you on Zopa. So Neil Faulkner has pulled out all the stops with this super version.

Personal Peer-To-Peer Lending: It's Underrated!

To go along with our Zopa review, here is a detailed guide into the key characteristics, strengths and weaknesses of lending your money to individuals through peer-to-peer lending. Don't overlook it.

Update on Proplend

With Proplend finally suffering its first bad debt, its time to catch up and find out how it is handling it – a key factor in property lending is in how well they approach collecting bad debts and informing lenders. Read about it here.

Proplend Review – Also Updated

Proplend has also had new members on its team this summer. The review has been updated on this, along with a few other minor adjustments. Here it is!

RateSetter Update On The Way

FundingSecure and other developments have delayed our RateSetter update, which is especially important after it changed its lending accounts and hired new people. We'll get this to you in the next week or two, so watch this space!

The Safest 20% Returns In P2P Lending

If you've got a spare £5k that you can lend in each individual loan and want the chance of earning very high interest rates, buying second-hand loan parts on this particular P2P lending site looks like the safest candidate up in that risk category. Read about it here.

Funding Circle Review – Updated

Looking at latest facts and figures available to us, here is the latest update from 4thWay's most senior expert.

What's Happened To Crowd2Fund? Update 2019

It seems like some key expectations have not been met this year. Read about what's up at Crowd2Fund.

Crowd2Fund Review

In conjunction with the above research piece, the Crowd2Fund Review has been updated.

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.

Reviews.

Today’s average interest rates

4thWay® Forecast Returns Index: 4.37%

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

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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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