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Candid Opinion

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2015: Great Returns on Peer-to-Peer Lending

Now is a very attractive time for peer-to-peer lending with interest rates well above where they should be for the risks involved. Why is 2015 such a good year? While borrowers are being quick to get on board for the lower rates and better terms, lenders, on the other hand, are being slower to accept… Read more

Why Wellesley & Co. is Safe Even During a Crash

I wanted to know just what kind of disaster lenders like you and me could survive when we lend our money through property peer-to-peer lending company Wellesley & Co.* so I put it to a severe test with big property price falls and lots of borrowers failing to repay. Wellesley’s record so far But, first, a re-cap… Read more

The Biggest Risk in P2P Lending

There’s one risk that is completely ignored by many financial institutions. Dangerously for savers and investors, this blinkered vision filters through to financial and news websites, and even to professionals who should know better. This risk is such a huge risk for people saving in savings accounts that most savers are almost guaranteed to see… Read more

P2P Lending Through A Pension

I totally missed the potential of this when the news broke a few weeks ago. Proplend, the property P2P lending company, announced that we can now lend through it in a pension wrapper. At first I thought you, me and most people were automatically excluded, much like with Thin Cats. That’s because this option is just… Read more

What Happened to Lenders When These P2P Firms Closed?

With P2P lending company GraduRates closing down gently, I think its appropriate to take a look at the other companies that have gone out of business. Because I don’t want my money disappearing, do you? Let’s see what has happened in these past nine years since P2P lending began: YES-Secure and Quakle The biggest failure… Read more

Lenders Should Beware of Perverse Financial Incentives

Around 2004 or 2005, I can’t remember which, dentists suddenly started doing far more fillings and far less root canals. A few years later, German hospitals suddenly started doing lots more caesarean sections than previously. A few years after that, financial advisors in the UK suddenly started advising their clients to put their money in different in… Read more

Major Report Into Zopa

This is the Candid Opinion blog, and you won’t see research into P2P lending companies anywhere else as that is as candid as in all the 4thWay® Insight Reports. We’ve just published our detailed research report into the oldest P2P lending company in the world: Zopa. Read Zopa’s 4thWay® Insight Report.

Pay Tax to Your Borrowers!

According to Assetz Capital, business and property P2P lending company, businesses that borrow through P2P should technically withhold tax from individual lenders. If true, it still doesn’t affect P2P lending companies that have consumer borrowers. Just business borrowers. On the Assetz website it says: One significant area of ambiguity is with regard to repayments. Traditionally, any business… Read more

Major Report into Lending Works

After lots of last minute punctuation and grammar corrections, we finally released yesterday our huge report into Lending Works. This is the P2P lending company that claims to be the safest and we think it might be right. Please take a look at Lending Works’ 4thWay® Insight Report to find out about this excellent savings and… Read more

Standing Firm Under Pressure

This is the Candid Opinion blog and now it’s time to be candid about the 4thWay® Risk Ratings. We’re proud of our scoring system and we’ll only get more proud as it proves itself and as we improve on it. The feedback we’re getting from the P2P lending industry is that they think what we’re doing… 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.
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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.

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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