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Octopus Choice Review

Here’s the Octopus Choice review from one of 4thWay’s experts: 4thWay’s Quick Expert Octopus Choice Review Offers something different that could add to your current P2P lending. Established in 2016, lenders using Octopus Choice have lent  to property borrowers. It’s part of the Octopus Investments group, which manages £6 billions pounds-worth of investments and has been… Read more

Growth Street Review

Here’s the Growth Street Review from one of our experts. (You can see all their Quick Expert Reviews in our comparison tables. Growth Street Quick Expert Review A professional company with solid defences against losses. Established in 2014 and having lent tens of millions, this innovative P2P lending company has demonstrated fairly good selection of… Read more

Future Reserve Fund Shock To Upset Many P2P Lenders

I’m going to explain some of the strengths and limitations of reserve funds. Then I’m going to write about three simple steps you can take to give yourself the level of safety you probably want and have expected all along, to get yourself prepared for reserve fund failure. Because on talking to several 4thWay users,… 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

The P2P Lending Site You Should Be Lending Through

One of the P2P lending sites that I think is not used enough by lenders is Lending Works*, which does personal loans to creditworthy borrowers – mostly prime borrowers. Why are lenders ignoring Lending Works? I think Lending Works just doesn’t appear, at first site, to tick all boxes for some lenders. Two boxes in… Read more

3 Huge P2P Lending Mistakes You’re Making Now

We talk to 4thWay users a lot directly, and we see your comments in articles, in our surveys and now even in our new discussion boards. What we find is that lenders are making the same mistakes over and over again – and frankly it is worrying 4thWay’s experts. While the P2P lending sites really… Read more

How 4thWay’s CEO Selects P2P Lending Sites

I have always invested in investments that are relatively easy to analyse, so that I have a good chance of being able to weigh up the risk-reward balance properly, and invest with a large margin of safety. The types of investments I choose also need to come with total costs that are low enough to… Read more

Is The Zopa Login Secure?

The Zopa login page, as well as Zopa’s cyber security in general, needs to be strong to deter hackers keen to try and take a piece of the billion pounds being lent through this peer-to-peer lending site. As WordFence says, the “secure” symbol in your browser next to the URL does not automatically mean “safe”…. Read more

5 Reasons Why Lending to Residential Landlords Is The Lowest Risk

Lending to residential buy-to-let landlords is intrinsically the safest kind of lending available to lenders through P2P. I’ll give you the five reasons for this in no particular order, since it’s all good: The bricks-and-mortar are already there Firstly, since the properties already exist and are not merely building sites with promise (like lending to… Read more

Landbay Suffers First Tardy Borrowers, Changes Lending Standards

Landbay*, which does mortgages for residential landlords, has had a perfect record since it started in 2014, with no peer-to-peer loans falling even one payment late. As of this month, it now has three loans out of 733 – or 0.4% – that have each missed a payment and have therefore fallen just slightly late…. 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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