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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 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.

Downing Crowd Review

It's been a year since we revisted Downing Crowd. If you've not heard about this P2P lending company yet, you should take a look at our updated review.

Read the Downing Crowd Review here.

4thWay's 10 P2P Investing Principles

We've updated one of the oldest pages on the 4thWay website. The good news is that not much has changed, because our 10 principles have proved to be the sound basis of P2P lending decisions since 4thWay started in 2014. Read what you have to know here.

Rebuildingsociety Lenders In 200+ Loans Have Positive Results

Rebuildingsociety has provided some information to see how well you might have performed if you had lent across at least 200 loans. Here's a brief analysis.

What Lenders Can Learn From RateSetter's Sale To Metro Bank

RateSetter lenders will be steadily repaid as Metro Bank adds RateSetter's lending operations to its own.

But it's not simply time for lenders to say so long and thanks for all the fish! There are two practical lessons from this that can help you invest better in P2P.

Read it about it here.

Which P2P Lending Sites Are Profitable?

This is one of our long-standing and popular guides that we've updated again, based on the latest information and company results.

Find out which P2P lending sites are profitable.

BridgeCrowd Review

We've just updated our BridgeCrowd Review. Do take a look.

Update on HNW Lending In August 2020

The most attentive of you might have noticed the unnanounced pause on lending for small investors using HNW Lending.

Read about why the regulator asked HNW Lending to voluntarily pause lending to small investors and when we think this will be resolved.

Why easyMoney, The House Crowd And Others Aren't Listed On 4thWay

We're regularly asked why some P2P lending company or IFISA provider is not listed on 4thWay.

All the answers you seek can be found in one of our FAQs, which we update regularly with a list of providers not on 4thWay and the reason for it.

Read the FAQ.

Peer-To-Peer Lending Risks – The Big Seven

We've updated one of the first ever guide pages we wrote with more information. Please take the time to remind yourselves of the key risks in P2P lending.

News About 4thWay

I hope you don't mind us blowing our own trumpets a little, but we feel the news of our lenders rating us 9.3/10, and the knowledge that lenders following our guidance have done so well, is a good opportunity for us to reaffirm to you our deep and everlasting commitment to high-quality, independent research. We are on your side: the side of the small investor. Please read about it here.

Growth Street Review: Reserve Fund Gone & Lending Winding Down

Growth Street's reserve fund is not sufficient to cover outstanding losses. Lenders' money is being pooled to share interest to cover excess losses. Read more.

HNW Lending during COVID-19

HNW Lending has seen a jump in loans that are not paying on time, due to agreed payment holidays, although its within expectations. Read more in this update.

How Is Peer-to-Peer Lending Taxed?

I know it might seem a bit boring, but we've updated our tax guide with even more information and the latest rules on P2P taxes. Please read this to lend tax efficiently outside of IFISAs or pensions.

Funding Circle Review In 2020 For Investors

We've substantially updated our Funding Circle Review since last time. If you're interested in the largest P2P business lender in the UK, read about Funding Circle.

How Investors Beat The COVID-19 Downturn With P2P Lending

You were here for the risk. Are you going to stick around for the reward? 4thWay's team shows some of its research into the history of investing and money lending during pandemics and downturns, recommends your lending and investing approach at this crazy time, and offers the top three P2P lending picks for surviving and thriving through the COVID-19 lockdown and beyond. Read it here.

How COVID-19 Shows That P2P Lending Is A Fairer Investment

Peer-to-peer lending is one of the fairest investments around, ensuring that investing returns are spread more equally between participants. Read about it here.

P2P Lending & COVID-19: News/Updates

Here's some of the latest news on P2P lending and COVID-19, mostly from the horses' mouths – the P2P lending companies themselves. Stay tuned, stay healthy and please stay indoors. I wish you all the best in these most unusual times.

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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