To get the best lending results, compare all P2P lending and IFISA providers that have gone through 4thWay’s rigorous assessments.

Guides, Reviews & Tips

Why do peer-to-peer lending? It offers much greater returns than savings 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.

Below we show you five great ways to learn about peer-to-peer lending and P2P IFISAs, so you can earn more money, more safely!

The sections on this page

  1. Read our 10 Core P2P Lending Guide pages.
  2. Compare lending products and IFISAs.
  3. Visit our most popular pages at the moment.
  4. See P2P lending reviews from 4thWay's specialists.
  5. Read our latest research and tips.

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 13 Key Peer-To-Peer Lending Risks. (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.

Other popular mini-guides include Can Your Business Lend Through P2P? and How Much to Invest in Peer-to-Peer Lending.

If you get stuck for understanding any jargon, we offer you our Peer-to-Peer Lending And IFISA Glossary.

Every single word on this website is 100% original research and opinion from 4thWay, the first P2P ratings agency in the world. We are regularly the victims of plagiarism from bloggers or money websites. These copycats sometimes even copy incorrectly, leading to dangerously incorrect information. So please support us by reading our content! Sign up to our newsletter.

Compare lending products and IFISAs

Compare all P2P lending products, including IFISAs or just compare IFISAs.

See P2P lending reviews from 4thWay's specialists

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 specialists.

Read our very popular and educational 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:

Read our latest research and tips

The Best IFISAs This 2024/25 Season

Over the past seven weeks we've reassessed a large number of providers, many of which offer the best IFISAs available.

Your lending portfolio will earn stable, highly attractive returns if you spread your money across many loans in half-a-dozen lending accounts from of these providers.

That's even during a poor economy or property market. Read about the best IFISAs.

Risks In P2P Lending: Cybercrime – Unlucky Number 13

We've added another risk to our Key Peer-To-Peer Lending Risks page, taking the total now to 13.

Cybercrime might not happen often in P2P, but, were it to happen, the costs could be substantial.

Assetz Exchange Updates

After a full reassessment, we've updated our Assetz Exchange Review.

Assetz Exchange – which is strategically very distanced from its namesake, Assetz Capital – is rather like being a landlord in many key ways.

You can make a profit on sale of properties and you earn interest linked to the rising rents.

Yet your protections are more in line with money lending.

It's complex though, so take a very deep breath before plunging into this very long review.

Lending Through Multiple IFISAs Is Getting Much Easier

We just updated the IFISA Guide – again – this time based on how they will work in the coming tax year, which starts on 6th April 2024.

We probably should have done this two months ago, as we updated the guide then as well. Sorry about that.

It's going to be much easier to lend across more IFISAs though, so check it out, and find out how the new, easier rules will work.

Invest & Fund Review – Updated

Invest & Fund offers just about the best risk-reward balance available for these particular kinds of property loans.

Almost no loans suffering even tiny issues since 2015 (while paying double lending interest if they ever were to suffer problems anyway).

Read what about the risks, rates and how Invest & Fund's record is better than its peers.

UK Peer-to-Peer Lending For Overseas Residents

We've updated this guide for lenders not based in the UK who want to lend through UK-based P2P lending websites and similar online lending platforms.

Mostly, this means adding to it so that it is now a complete list of providers that allow overseas lenders.

The Peer-To-Peer IFISA Guide

If you need to know absolutely anything at all about how IFISAs work, what the benefits and costs are, see a list of all providers that offer P2P IFISA, and more, it's all here in the most comprehensive IFISA guide from the horses' mouth, based on research involving accountants and the taxman himself.

Other Review Updates

We've also made some updates to the Downing Crowd Review.

How The Most Successful Individual Lenders Grow Their P2P Wealth

Quite a few lenders who read 4thWay research are also property developers, landlords, they run their families' wealth funds, or they have worked in industries similar to P2P lending.

These lenders have recently shared some of the secrets of their success, by explaining how they assess P2P lending providers and individual loans, and otherwise get highly satisfactory results.

Read what these skilled lenders do to contain risks and get great lending results.

AxiaFunder Review – Substantial Updates For You

AxiaFunder has been offering investments similar to loans that are supposed to provide you with returns above 20%. It's now been going since 2019 and its newer offerings have been going since May 2022.

We had to wait a while to establish how the maturing investments have performed through much of this year. But now you'll find substantial updates based on the latest results.

In particular see the section Getting your rewards (which now explains how tranches are paid out to you when smaller fund raises are batched together) as well as How good are AxiaFunder's returns, bad debts and margin of safety?

Read the updated AxiaFunder Review.

Another Updated Review – Crowd2Fund

We've updated another review, namely the Crowd2Fund Review.

This review has less meat to it than many of our other reviews, as the providers don't give 4thWay full access to people, data or documentation, and don't routinely answer our questions.

Nevertheless, updates include politics, wind-down plans, profitability, key people and what we've got on lending results and bad debts.

(Note that part of these updates were done in August with the other part completed last week, but this is the first time we're bringing it all to your attention.)

The 3 P2P Lending Providers With The Best Financial Health

All else being equal, you have to feel more comfortable when the P2P lending providers you use are also pulling in strong and stable profits.

Read about the three providers with the best financial results.

Lendwise And Blend Reviews Both Updated

After a full reassessment of Lendwise's loans, a 4thWay specialist has updated the Lendwise Review, mostly impacting the section How good are Lendwise's interest rates, bad debts and margin of safety?

We've also taken another look at Blend, which we don't often do as we lack information and data. Even so, the whole Blend Review has been brought significantly up-to-date.

1st Special Deal For HNW Investors Is Done!

It’s already begun: in less than one month, we’ve got our first deal with a major P2P lending platform to boost returns for wealthy investors, who fulfil a vital function to make P2P lending work properly – merely by lending in the same loans as everyone else.

The more the merrier: if you are a high-net-worth investor, read how you can join in with our collective and earn more on the loans you're in.

Proplend Review

After our latest major reassessment of Proplend, its review has seen updates, particularly to the following sections:

  • How good are its loans?
  • Proplend's refinanced loans.
  • How good are Proplend's interest rates and bad debts?
  • Is Proplend profitable?

Read the Proplend Review.

Somo – Massive Update To Our Assessment

Somo is now paying the highest overall rates of any UK-based, rated property lending account that allows you to select individual loans yourself – at around 9%.

Much, much more than that, it's finally gone through our detailed assessment of its loan data, and opened itself up again after many years to rounds of interviews with its key personnel.

We've been waiting for this for a long time, so I'm pleased to present to you our updated Somo research based on countless hours of scrutiny and research.

HNW Investors: Harness Your Power For An Even Better Deal

With money comes both power and responsibility.

We have a lot of wealthy investors in our community who can wield both.

You can get boosted returns above the norm, while performing a vital function that helps P2P lending platforms operate smoothly for borrowers and for all investors.

If you're a high-net worth investor looking to put a lot more money into a platform (or platforms) that you probably already know and love, but want an attractively boosted bang for your buck over the published returns, let's make that happen together.

Here's how we'll boost your returns.

10 Ways To Get Your P2P Lending Money Back – Or To Keep Your Money Lent Out And Working For Longer

Truth to tell, hardly anything needed changing in this guide that we updated last week.

But, if you've not read how to a) get lending faster or b) increase the chances of getting more of your money back as soon as you want it, read on

90%+ Loss Shows Difference Between Property Investing And Property Lending

Property investing – meaning owning property or at least part ownership – is often conflated with lending to property owners.

P2P lending is about the latter, but what really is the difference in risk and reward, and why is it different? Find out in this stark case going on right now of a 90%+ loss.

Unbolted Review!

You've been waiting a long time for this. While other P2P lending providers focused on lending against pawned luxury possessions have failed catastrophically, Unbolted has shown over a long period that it works when done right. Read about it here.

How Money Lenders Assess Luxury Asset Loan Applications

Since we're on the subject, find out where P2P lending companies doing luxury pawn lending have seriously gone wrong before.

Investigative Interviewing: Getting To The Truth

You might think that analysing data is central to what 4thWay does when assessing P2P lending companies, but arguably it's the interviews that are the most revealing part for us.

For the first time ever, read one of our interviews with a P2P lending company (Lande), complete with 4thWay's internal notes and a few additional comments to help you understand what's going on.

More research from 4thWay

Add to your knowledge by signing up to our newsletter, or by looking through our candid opinions (our main category of research) and P2P lending news. Every piece of research is with the sole purpose of helping you to lend better, making more money, more safely.

If you are interested in particular areas, you can visit specific sub-categories of our research: P2P property lending, P2P lending strategyP2P and macroeconomics, and Alternative P2P Investing. You'll find it all in our articles and research section.

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