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Zopa Risks & Lending Speed Rise, Rates Stable

Zopa latest: Speed of getting money on loan: up Proportion of loans accepted: up Riskier borrowers: up Interest rates: stable   Zopa has taken steps to help get lenders’ money on loan faster and to stabilise rates, and set a scene which could lead to rate rises. The flipside is higher forecast bad debts, partially… Read more

The Chosen…One?

Welcome back to the third course of my 4th way. For my returning readers you’ll know that I began to look at the idea of venturing into P2P lending in Follow Me As I Learn to P2P. When I had reduced my selection down to three I started to look at the lenders in a… Read more

P2P Lending: How To Dip Your Toe In

Sometimes I read in the financial pages what some commentators are saying on P2P lending and I’m quite unimpressed. The general message seems to be that if you dip your toe in with a small investment, you’ll learn quickly that it’s safe, and then you can go all in. Speaking as investors, we’re fairly appalled. These people making these… Read more

Huge Buy-to-Let Success: Where Does It End?

Buying buy-to-let properties is a very different investment to lending to buy-to-let investors. But both are great investment opportunities in very different ways. Landbay is a P2P lending websites that offers loans to landlords with tenanted residential properties. 4thWay® rates it as one of the safest P2P lending opportunities. (See Safest Peer-to-Peer vs Savings Accounts.) Landbay recently… Read more

UK Bond Network Vs Direct Bonds

UK Bond Network will be the next P2P lending website to be added to the 4thWay® comparison tables this week. UK Bond Network is for high-net worth investors or those classed as “sophisticated” only. If that’s not you then you should probably look away now. The most interesting question we had for UK Bond Network is how… Read more

What We Learn From Loan Acceptance Rates

The loan acceptance rate can be incredibly useful for lenders like you and me, since it can be a strong indication that a P2P lending opportunity has strict borrower selection standards. If a P2P lending website accepts no more than around 20% of applicants, rejecting the rest, that’s generally a good sign. If it’s more… Read more

How To Use The Bad-Debt Rate

Lenders can use the bad-debt rate to see how low bad debts have been in the past on a P2P lending webste. An average annual bad-debt rate of 0.5% during a moderate or good economic backdrop is very low, for example. Any bank would be chuffed to have such a rate. If bad debts based… Read more

I Hope You Stress Test Better Than The Banks

The Bank of England is asking the UK’s biggest banks and building society to perform stress tests again. Like last year, the tests are not as extreme as the events of 2008-10. The argument is that that period was seen as a rare event that only happens once in umpt-hundred years. Yet it doesn’t take that long… Read more

Why Assetz, LendInvest & Wellesley Have Countless Subsidiaries

The founders and directors of LendInvest, Wellesley & Co. and Assetz Capital have over two dozen limited companies between them either as part of their P2P lending operations or as companies very closely related to them. Why? More specifically, is this an extra risk that we lenders need to be careful of? While I was investigating this, I… Read more

Lenders On Crash Course to Get Burned!

This is the story of whacky individual lenders and their high-risk loans. The problem is that this doesn’t seem to be a rare event! I see this happen on numerous P2P lending websites. But I’m going to take FundingKnight as my example today. I only use them because I’ve just been poring over data that it… 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

×

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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