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Which Peer-To-Peer Lending Sites Have Institutional Lending?

Peer-to-peer institutional lending – that’s lending from banks and the like – is becoming a bigger theme as the P2P industry grows. And institutional lending could actually impact individual lenders’ results. Below, I’m listing a lot of the peer-to-peer lending sites that have been the beneficiaries of institutional lending, excluding lending from governmental institutions. Where… Read more

P2P Lending And IFISA Cashback Deals Available Now

Some P2P lending sites currently offer attractive cashback deals for new lenders of up to £4,000. Towards the bottom of this article, you’ll also see if there are any less generous cashback deals available to existing lenders at the moment. We’ve also started adding referral schemes and other ways to earn cashback to the very… Read more

How To Lend Across Multiple IFISAs In One Year!

As you may know, you can only open one IFISA in a tax year, which runs from 6th April to 5th April, and this limits your ability to spread your money and the risks across lots of provider. But you’re wrong! You are actually allowed to open lots of IFISAs in one tax year. The… Read more

Which P2P Lending Sites Offer FSCS Protection?

Your cash – but not loans – held by a P2P lending site may or may not be covered by the FSCS. I’ll give my view on how important this protection is, explain why not all sites offer it, and give you a list of the P2P lending sites where the FSCS situation has been… Read more

Who Owns The P2P Lending Sites?

For fast-growing startup companies – which includes most P2P lending sites – being profitable isn’t usually the best measure of whether it will succeed. This is especially the case since most of them are not profitable. And you don’t expect them to be. They need and want to grow rapidly and to do so they have… Read more

RateSetter Review – Investment Analysis By 4thWay

This RateSetter review, written by one of the world’s foremost authorities on peer-to-peer lending, is in two parts. The first part is taken our Quick Expert Review series, which quickly covers the author’s main points and opinions. The second part makes up the rest of the full RateSetter review, which is especially for people who… Read more

What Investors Can Learn From RateSetter’s Sale To Metro Bank

RateSetter and Metro Bank have done a deal: RateSetter has been sold to Metro. RateSetter’s existing lenders will see their existing loans paid off while borrowers meet their repayments, as usual. Buto new lending will occur through the platform. Metro Bank will use RateSetter’s lending infrastructure to grow its own lending. I want to tell… Read more

The BridgeCrowd Review: Earn 9% On Property Loans

BridgeCrowd Review: it professes solid loans and interest rates, but insufficient information It’s now over half way through 2020. BridgeCrowd had a fantastic record up to mid-2018 – when its information stops. 4thWay has not been able to assess BridgeCrowd for several years. And the figures we present to you on the 4thWay website –… Read more

Growth Street Review: Reserve Fund Gone & Lending Winding Down

Here’s the Growth Street Review from one of our specialists. (You can see all the reviews in our comparison tables.) 4thWay’s Quick Expert Growth Street Review Growth Street is in the process of winding down its existing loans Growth Street, established in 2014 with a total lent of , is no longer taking on new… Read more

Funding Circle Reviews By Investors

I have pulled out all the Funding Circle reviews written by investors (lenders) that I can find on TrustPilot and, I don’t mind telling you, it took a very long time. Because online Funding Circle reviews are usually written by borrowers and not lenders. I don’t know how many hundreds – or was it thousands… Read more

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

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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 “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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