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The P2P Lending Site You Should Be Lending Through

One of the P2P lending sites that I think is not used enough by lenders is Lending Works*, which does personal loans to creditworthy borrowers – mostly prime borrowers. Why are lenders ignoring Lending Works? I think Lending Works just doesn’t appear, at first site, to tick all boxes for some lenders. Two boxes in… Read more

3 Huge P2P Lending Mistakes You’re Making Now

We talk to 4thWay users a lot directly, and we see your comments in articles, in our surveys and now even in our new discussion boards. What we find is that lenders are making the same mistakes over and over again – and frankly it is worrying 4thWay’s experts. While the P2P lending sites really… Read more

How 4thWay’s CEO Selects P2P Lending Sites

I have always invested in investments that are relatively easy to analyse, so that I have a good chance of being able to weigh up the risk-reward balance properly, and invest with a large margin of safety. The types of investments I choose also need to come with total costs that are low enough to… Read more

P2P Lending And IFISA Cashback Deals Available Now

Currently, there are unusually good deals available, some for new and some for existing lenders, with cashback of up to £500 or 10%. A P2P lending site should convincingly pass a lot of tests before you trust it with your money. Accepting cashback bribe with your ordinary peer-to-peer lending accounts or your IFISAs is usually way,… Read more

Is The Zopa Login Secure?

The Zopa login page, as well as Zopa’s cyber security in general, needs to be strong to deter hackers keen to try and take a piece of the billion pounds being lent through this peer-to-peer lending site. As WordFence says, the “secure” symbol in your browser next to the URL does not automatically mean “safe”…. Read more

5 Reasons Why Lending to Residential Landlords Is The Lowest Risk

Lending to residential buy-to-let landlords is intrinsically the safest kind of lending available to lenders through P2P. I’ll give you the five reasons for this in no particular order, since it’s all good: The bricks-and-mortar are already there Firstly, since the properties already exist and are not merely building sites with promise (like lending to… Read more

Landbay Suffers First Tardy Borrowers, Changes Lending Standards

Landbay*, which does mortgages for residential landlords, has had a perfect record since it started in 2014, with no peer-to-peer loans falling even one payment late. As of this month, it now has three loans out of 733 – or 0.4% – that have each missed a payment and have therefore fallen just slightly late…. Read more

After Falling 11%, Are Funding Circle’s Shares A Bargain?

Cliff is an experienced freelance investment journalist hired in as 4thWay’s “Chief P2P Cynic” to give you the alternative view on lending. He is also a specialist in buying shares, so he analyses opportunities to buy shares in P2P lending sites or P2P investment funds. Read about Cliff. On Tuesday, 26th November, the UK government… Read more

ArchOver Overreaches And Its Bad Debts Are Rising

Recently, one borrower at ArchOver* suffered severe trouble. This borrower is so large that I shall argue it represents something like 8% of ArchOver’s entire historical (corrected) loan book. That is too much. What happened with this borrower? Every borrower and every bad debt has its own story – and it is all too easy… Read more

What Have Failed P2P Lending Sites Got In Common?

Lendy hasn’t failed, but its story today made me think of all the peer-to-peer lending websites or P2P IFISA providers that had either failed, closed down, stopped offering P2P lending products, or needed to be saved or taken over by other platforms. Regulated P2P lending sites that have gone down one of those paths include:… Read more

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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.
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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.

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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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