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Funding Circle Review In 2021 For Investors

4thWay’s Funding Circle Review Key findings for my Funding Circle Review My gut feeling about Funding Circle is sort of positive, but sadly not supported by enough information. With less information now coming from Funding Circle, it’s become a touch too difficult for lenders and independent analysts to assess its performance and ability. This Funding… Read more

MoneyThing Review

Here is the quick MoneyThing review by one of 4thWay’s experts: Update at end December 2020: MoneyThing has gone into administration. Administrators have been appointed to wind-down the outstanding book of loans by collecting and chasing payments from borrowers. As of December 2020, the administrators and/or MoneyThing believe that the appointment won’t have a material… Read more

Recent Movements In The 4thWay PLUS Ratings

The 4thWay PLUS Ratings and 4thWay ALT Ratings have been showing their worth during the pandemic and we strongly expect they will continue to do so. P2P lending doesn’t evolve around the world of COVID-19, though, so there have been a few changes to 4thWay PLUS Ratings in recent weeks for more mundane reasons. Kuflink… Read more

P2P Lending And COVID-19: Lots Of News And Updates, Nov 2020

It’s been a lot of work trying to stay on top of all the P2P lending companies for you during the pandemic. as we sought extra information, meetings and data submissions from the P2P lending companies. Here’s a summary of much of our recent research. These COVID-19 updates are shown in the order they appear… Read more

CrowdProperty Review

Here’s the CrowdProperty review from one of 4thWay’s experts: 4thWay’s Quick Expert CrowdProperty Review Development lending as a low risk, high-interest rate opportunity CrowdProperty Review: their best-rated lending account This account has been paying interest after bad debts. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts or visit CrowdProperty. When did CrowdProperty… Read more

Which Peer-To-Peer Lending Sites Have Institutional Lending?

zopPeer-to-peer institutional lending – that’s lending from banks and the like – is becoming a bigger theme as the P2P industry grows. And institutional lending could actually impact individual lenders’ results. Below, I’m listing a lot of the peer-to-peer lending sites that have been the beneficiaries of institutional lending, excluding lending from governmental institutions. Where… Read more

Update on HNW Lending’s Pause In Lending

For the full story on HNW Lending, read the HNW Lending Review. Update on 15th October, 2020 The initial article from August is below, but here’s an update as of 15th October, 2020. HNW Lending has informed 4thWay that, roughly two weeks ago, the FCA said it’s “a matter of weeks not months now” before… Read more

Proplend Hits £100 Million As Loanbook Stands Firm Against Disease

Proplend has just reached £100 million in lending since it started in 2014. This seems to me to be an apt time to take a look at its rate of growth and how it’s changed, especially regarding risk level, as well as to take another look at its results so far. Proplend’s results so far… Read more

Predicting the Property Market For P2P Lending

Certainly, it’s not much of a prediction to guess that, over the long term, house prices will rise. I mean that’s very clear. So I’m concerning myself today with short-term house prices, which can be more relevant when lending anyway. House-price movements change the risks in lending, especially property lending. Rising house prices help to… Read more

Rebuildingsociety Lenders In 200+ Loans Have Positive Results

One of 4thWay’s specialists will update the Rebuildingsociety review next month and you can expect a huge amount of updates to it. And certainly a lot more detail and opinion than I’m about to give you today, as I’m just looking at one small aspect of this business lending P2P lending site: I want to… 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

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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 “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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