Compare P2P lending accounts and IFISAs now

Candid Opinion

Home > Tips, News and Opinions > Candid Opinion
Click "Learn" to get help

How New Ratings Have Shaken Up The P2P Lending Comparison Tables

When is a site allowed a rating? All P2P lending sites and P2P IFISA providers that supply enough information about themselves, and that have a long enough history, are assessed to see if they can earn a rating. We’ve listed the providers that have earned 4thWay PLUS Ratings below, with some information about how they… Read more

How One Lender Is Losing Money – A Lesson In P2P Lending Diversification

This guide page is to: Describe to you just how incredibly powerful it is to spread your money across lots of high-quality loans. Offer guidance on how much diversification you need. Give you tips on how to go about doing that and how to lower the risks even further. How not to do P2P lending… Read more

How We’ve Improved The 4thWay PLUS Ratings

A recap of the first major upgrade We improve the 4thWay PLUS Ratings over time. Many of the changes are small, but today we launched our second ever big upgrade. In the first major upgrade a couple of years ago, we progressed from the 4thWay Risk Ratings – a measure of the risks –  to… Read more

Funding Circle Buries Its Data: Should Lenders Be Worried?

From now on, just Funding Circle itself and the partner it has commissioned, AltFi, will be able to access and assess the details of all the loans Funding Circle has ever made. Funding Circle has removed access to this powerful and important data for the public, and independent analysts such as 4thWay’s risk specialists, credit… Read more

LendingCrowd Earns A 4thWay PLUS Rating

As of today – the day we upgraded our ratings system – a new entrant to 4thWay’s PLUS Ratings is LendingCrowd. LendingCrowd* has completed over £34 million since 2014 in business loans and it offers an early exit if you are able to sell your loans on to other lenders. All of its lending accounts… Read more

The Best IFISAs Available Now

The number of IFISAs is growing (you can compare IFISAs here), so I have narrowed the playing field down to the best IFISAs for low risk as well as the top choices for those people who want to pick individual loans. The main criteria for selecting these P2P IFISAs are the same ones that 4thWay’s experts… Read more

Assetz Capital Review

This is a Assetz Capital review has been written by one of 4thWay’s experts. You can find this review as well as quick expert reviews on most other peer-to-peer lending companies in our comparison tables. 4thWay’s Quick Expert Assetz Capital Review Fantastic results from unique property and secured business loans Assetz Capital* is established and large,… Read more

Flender Review

Flender* is a peer-to-peer business loans and property development loans lending website that has provided us enough information to be listed in 4thWay’s peer-to-peer lending comparison service. This takes place after our experts’ usual exhaustive questioning and data gathering. One of the experts has written a brief summary of their key findings and an own… Read more

The Peer-To-Peer Lending Fraud Checklist

With one 4thWay user describing the ongoing situation at the now closed Collateral UK as seeming “like a right bag of worms”, and with money being removed from its client account and it being shown not to have the required permission from the financial regulator, I thought that it was time to publish a list… Read more

How To Check The Financial Services Register For Monsters

Peer-to-peer lending websites and IFISA providers that do not appear to have the correct permission from the financial regulator are the ones that are most likely to turn out to be the real monsters that cause panic, fear and financial loss to individuals. Below, you will see the most basic way to use the Financial… Read more

  1. Pages:
  3. 1
  4. 2
  5. 3
  6. 4
  7. 5
  8. 6
  9. 7
  10. 8
  11. 9
  12. 10
  13. ...
  14. 29

Today’s average interest rates

4thWay® Forecast Returns Index: 4.67%

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.

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 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

×
Back to top