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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:

P2P Lending & COVID-19: News/Updates

We've got one article for you on COVID-19 and P2P lending this week, dealing with the news of the moment. In just a few days, we'll be sending you much more on this subject. Stay tuned, stay healthy and please stay indoors. I wish you all the best in these most unusual times.

Is Lending Works Still A Good Investment?

My colleague has written an excellent summary of three pieces of research written by the 4thWay team on Lending Works. Those research pieces are called:

More On Lending Works' Lower Interest Rates

Is Lending Works Still A Good Investment?

Lending Works Shield: How The Reserve Fund Has Radically Changed

To read the summary of those pieces and click through to the full research, go to the March 2020 Summary Of Lending Works Updates.

How The Financial Ombudsman Protects Your P2P lending

It's nice to see an organisation with huge power that actually uses it to protect the small investor. Read about the Financial Ombudsman Service and when it might be able to get you compensation for any complaints you have.

Updates this month

Lending Works Review.

CapitalStackers Review.

4thWay's 8 Top IFISA Picks

We always promise you candid opinions, and it doesn't get much more candid than for our head of research to tell you the eight IFISAs that he thinks are the best. Download this free, 36-page 4thWay report.

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.

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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