Compare P2P lending accounts and IFISAs now

Candid Opinion

Click "Learn" to get help

Downing Crowd Review

One of 4thWay’s experts has written a Downing Crowd Review, summarising the key points in under 450 words, so that you can read it in about two minutes: 4thWay’s Quick Expert Downing Crowd Review Downing Crowd’s simpler loans could make a nice addition to your lending portfolio Downing has been lending investors’ money since 2010. Its… Read more

UK Peer-to-Peer Lending For Overseas Residents

Here’s our list of P2P lending companies that you can lend through from overseas, i.e. outside the UK. And there’s another list below of those that you can’t. Please let us know if you know the overseas lending status of any more P2P lending companies by emailing editorial@4thWay.co.uk Note that if the P2P lending site… Read more

Which P2P Lending Sites Are Profitable?

We are regularly asked by 4thWay’s users about whether an individual P2P lending site is profitable – whether it is making money. Their concern is that if these websites are not profitable then they will go bust. Or, rather, the concern is that if they go bust it will take much longer to get your… Read more

CrowdProperty Opens Up On Its Performance

We have some rare information about CrowdProperty‘s performance and it looks like it is finally opening up, allowing a wee bit of analysis of some the risks. This is great for me, because I’ve suspected that this is one of the rare P2P lending sites that is both secretive and yet – probably – very… Read more

How Lenders Can Pick The Best Loans at HNW Lending

HNW Lending offers many loans with exceptionally high-quality security to protect you against losses. This means that the borrower owns properties or possessions that are easy to value and that are worth much more than the loan amount. For a good proportion of these loans, lenders are also first in line if the borrower has… Read more

Is The RateSetter Login Page Secure?

The RateSetter login page, and RateSetter* generally, is bound to be an interesting but tough challenge for hackers. As with other peer-to-peer lending and IFISA providers, RateSetter takes and stores your personal details, such as your date of birth, your address and sometimes even your National Insurance number. And it stores financial details, such as… Read more

ArchOver’s New Auto-Lend: The Right Kind Of Diversification

ArchOver* is now the latest established P2P lending site to introduce auto-lend combined with auto-diversification. The ArchOver Investment Plan, as it is called, does three very useful things, the third is about the type of diversification on offer, which is a feature that deserves expanding on. Firstly, most obviously, ArchOver’s auto-lending saves time for lenders who… 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

CapitalRise Review

Here’s the CapitalRise review from one of 4thWay’s experts: 4thWay’s Quick Expert CapitalRise Review Will be surprised if this one isn’t a good’un CapitalRise* has completed around £10 million since launch in 2014. The key decision-maker has both a long history heading over 100 developments with a high rate of return, as well as a seemingly keen interest… Read more

Crowd2Fund Loan Book Published, Sheds New Light

Crowd2Fund*, the business loans P2P lending site, has now started to publish its full loan book with detailed information about every loan that has been made through its website. It’s fair to say I now understand Crowd2Fund far better than I did just two weeks ago. You can see the Crowd2Fund loan book for yourself here,… 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.

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

×
Back to top
[wpforms id="19476" title="false" description="false"]
[wpforms id="19884" title="false" description="false"]