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Quick Expert Reviews Of 3 Property Lenders

To make it easier for you to get a quick summary of our experts’ views, we’ve added “Quick Expert Reviews” to our comparison tables. Check it out. Below, we give you our Quick Expert Reviews of three secured property P2P lending sites to coincide with our property lending special newsletter to 4thWay subscribers this week…. Read more

How To Lend Through Crowd2Fund

Crowd2Fund does business loans and it is available in an IFISA (a tax-free P2P lending account) paying 8.5% or more before bad debts. I’m going to show you one way to select individual business loans to lend in at Crowd2Fund for yourself, rather than relying on its auto-lend feature. I’m not saying that this way… Read more

The 3 Top Property P2P Lending Sites To Lend In Now

Here is my personal list of the absolute three top property P2P lending sites from among the many excellent property lending opportunities. 1. The top property P2P lending site I’m very sorry to be boring, but this is not surprising to any of you already familiar with P2P lending: Landbay currently has the edge over my… Read more

The 3 Best IFISAs To Open Now

There are now seven IFISAs available to lend your money through P2P tax free. (See info box, right). From those seven, I’m going to narrow it to the three best IFISAs to choose from. I think there are enough fantastic choices, at last, for most people to choose and open a first IFISA. After 6th April… Read more

How Much Bad Debt Is Acceptable?

Bad debt: that’s when a loan goes past just being “late” into what’s called “default” or “non-performing”, and even beyond – when not all that debt can be recovered and it is “written off”, never to be seen by lenders again. Bad debts are a fact of life in P2P lending. All of us will suffer… Read more

Which P2P Lending Site Offers Very Personal Service?

Peer-to-peer lending sites put loads of time into offering great service to borrowers, but what about service for lenders? Some provide emails that are automatically tailored to what you want or they answer your brief written questions online. But, as far as I know, just one P2P lending site goes way beyond all the rest… Read more

Is This The Real Reason RateSetter Changed Its Provision Fund?

Last year, RateSetter* announced changes to its bad-debt provision fund that will now take place in March. The old way RateSetter’s provision fund worked Individual lenders lend to specific borrowers (although you don’t get to choose your borrowers). RateSetter’s bad-debt provision fund covers losses that it can’t recover from borrowers. In a terrible recession or… Read more

LendingCrowd Quick Expert Review

Business loans P2P site LendingCrowd* released its IFISA this week. With its instant diversification feature splitting your money automatically between at least 20 loans – and no more than 5% of your money in any loan – here is our experts‘ Quick Expert Review. You can find all our expers’ reviews in our comparison tables…. Read more

Readers’ Questions: Should I Worry Funding Circle Downgraded Property Loans?

I fielded a call from a lender who wondered, only very mildly worried, about Funding Circle’s changes to its property loans, which it announced a short time ago. There are two changes. Some property loans to get a worse grade Funding Circle is going to start giving some of its property loans a worse grade…. Read more

Lending Works Quick Expert Review

We’ve updated our Lending Works’ Quick Expert Review to coincide with the reopening of the Lending Works’ IFISA*, with the cap increased to £5 million. It received £2.5 million in 24 hours the first time it opened to new applications, so expect it to be sold out again within a few days. Lending Works quick expert… Read more

Today’s average interest rates

4thWay® Forecast Returns Index: 4.48%

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 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.

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