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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

Fend Off Peer-To-Peer Lending Fraud & Incompetence – A Checklist

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 one. But, wherever there is money, fraud and incompetence will… Read more

Where Can You Buy Or Sell Existing Loans?

See a list of all the peer-to-peer lending secondary markets, how much they cost and whether you can buy and sell loans at a discount or premium. A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because… Read more

The Peer-To-Peer IFISA Guide

We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? An IFISA allows you to lend up to £20,000 per tax year (which… Read more

Which P2P Lending Sites Offer FSCS Protection?

Your cash – but not loans – held by a P2P lending site may or may not be covered by the FSCS. I’ll give my view on how important this protection is, explain why not all sites offer it, and give you a list of the P2P lending sites where the FSCS situation has been… Read more

Who Can Invest In Peer-To-Peer Lending?

Peer-to-peer lending (including P2P IFISAs) is classified as one of the safer alternative investments, which is why it’s available to all who wish to invest by lending directly to other people, businesses and property owners. But, since it’s still a relatively new form of investing, the Financial Conduct Authority wants to encourage most lenders to… Read more

How To Easily Qualify As A Self-Certified Sophisticated Investor To Lend Freely Through Any P2P Lending Website

Most peer-to-peer lending websites and IFISA providers allow anyone to lend. If you’re a beginner, they want you to commit not to lend more than 10% of your savings and investment pot across all your P2P loans. If you want to lend more than that, get yourself upgraded to the status of self-certified sophisticated investor…. Read more

4thWay’s 8 Top IFISA Picks

Neil Faulkner, 4thWay’s co-founder and Head of Research, has picked his top eight IFISA picks, based on his assessment of the risks and rewards. They include: Five selections that are easy to use and are good for both entry-level and expert-level investors. Five selections that are lending to borrowers that have real property (real estate)… Read more

How To Pass Assetz Capital’s Appropriateness Tests

Assetz Capital* has some good questions and additional information in its appropriateness test that are worth reading properly, but I think some additional information from 4thWay will be useful for your education! I’ll get to how to pass the test shortly, but firstly… Who can lend through Assetz Capital? Assetz Capital is available to all… Read more

How To Pass The P2P Lending Appropriateness Tests

If you lend through UK-based peer-to-peer lending platforms or through IFISA providers, most of them will now ask you to pass simple, multiple-choice tests of knowledge. These tests are called “appropriateness tests”. The tests help you to understand what it’s like to lend through each specific online peer-to-peer lending or IFISA platform. If you can’t… Read more

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Today’s average interest rates

4thWay® Forecast Returns Index: 4.37%

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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