Update on 12th August 2023: Crowd2Fund’s accounts have now been filed and the strike-off action discontinued. Details of its accounts here. You’ve not heard anything from us on Crowd2Fund for a while. Crowd2Fund hasn’t been in a position to provide detailed data to us to…
CapitalStackers’ Property Lending Account/IFISA currently has two alt ratings of secured and hidden gem, as we have no doubt it will receive the top 4thWay PLUS Rating soon, when its history is sufficient. These loans have been paying lenders an average interest after bad debts. Visit…
We talk to 4thWay users a lot directly, and we get your emails and survey results from you. What we find is that lenders are making the same mistakes over and over again – and frankly it’s worrying us. While the P2P lending sites really…
In China, the number of websites offering lending platforms reached more than 2,000. For a long time, after that, 80 of them were being closed down every month due to peer-to-peer lending fraud or incompetence. The UK is far from China in more ways than…
Falls in house prices in seven of the past 10 months (according to both Halifax and Nationwide) have not perceptibly impacted overall annualised lending results at P2P lending platforms. While price changes can have delayed effects, the future also looks very healthy for lenders using…
We’ve had to temporarily take Lande’s 4thWay PLUS Rating down. Unfortunately, due to illness, Lande’s not been able to provide us with the data we need to keep assessing it on anything like the regular basis that we require. I’ve been informed that Lande will…
The main ways that peer-to-peer lending providers protect you from losses are really important. They involve assessing the borrowers properly and setting interest rates appropriately. For property lending, it also means assessing the property put up as security correctly. On top of that, you as…
I just have time for two brief updates on Proplend, which is truly one of the most remarkable P2P lending and IFISA providers for lowering your risks while paying attractive interest rates. Instant diversification in extremely safe loans available now At time of writing, Proplend*…
P2P lending companies are run by people, so lenders rely on them for getting satisfactory lending results. Their character is always going to be of interest, especially in terms of personality traits that can increase or decrease the risks to you. By “good character”, I’m…
Property lending dominates the P2P lending industry and for good reason. It’s because banks have historically had less of a grip on some parts of this market, and because high-quality borrowers have often struggled to get the loans and conditions that they need, with the…
Probably the task that we spend the most time on at 4thWay is trying to identify whether what we’ve just been told by a P2P lending provider is truth or fiction. All the processes we’ve built up over the years – from the initial, weeks-long…
At present, there are no cashback deals of note available.
Assetz Exchange* shares a name with Assetz Capital, which recently announced it’s winding down its P2P lending side to focus on lending that is funded by financial institutions. While Assetz Capital expects lenders to continue to lend profitably as the loans are repaid, it did…
I don’t want to stretch this out too long, but a 4thWay user did request we publish the results of our recent survey and I think four of the key findings might be interesting or maybe even educational for you. Most people are taking efforts…
A great question from a 4thWay reader gives me a chance to explain about ways P2P lending companies can hide problem debts and how we go about finding them anyway – which 4thWay has always succeeded in doing up to this point. At the end,…
I looked at the most recent data provided to us by Assetz Capital to estimate when lenders in its Quick Access Account, 30-Day Account and 90-Day Account might expect to get their money back. I also interviewed Simon Atkinson, Head of Capital Markets at Assetz…
Last month, Halifax forecast 8% falls in property prices to come in 2023, taking prices back to April 2021 levels. Nationwide also logged a fourth month in a row of price falls in December. Let me put this bluntly: all of that is of no…
Nationwide says we’ve just had four months in a row of falling property prices. To some people, that means there are more falls to come. My colleague has expressed his views on that in a separate piece. But some peer-to-peer lending accounts seem almost deliberately…
Swedish P2P lending provider SaveLend, part of the stock-market listed SaveLend Group AB, has now received a 4thWay PLUS Rating, after an extensive assessment of its detailed loan data. Lenders have been earning 8% to 9% after bad debts and fees over the past two…
Out with the old, in with the new! While some lending businesses make the switch into P2P lending, others switch away to another business model. Assetz Capital announced that it was doing the latter just a few weeks ago. Lenders in P2P have made a…
Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from CapitalStackers, Invest & Fund, Kuflink, Loanpad and Proplend, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
