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4thWay’s 10 P2P Investing Principles

Throughout this site, we call lending, “lending”. Funnily enough. But that word can sound a bit casual and easy. Like you’re giving some chums, some fellow neighbours or local businesses, a bit of cash in return for a bit of interest. A simple income on the side where everyone’s a winner. There is a social… Read more

How Does Peer-to-Peer Lending Tax Work?

When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. And you can also open specific peer-to-peer lending accounts, called IFISAs, which are always tax free. The online guidance on peer-to-peer lending tax that is available from… Read more

Kuflink Review

Here’s the Kuflink review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Kuflink Review A profitable property lending record since 2011 and highly satisfactory lending results. Kuflink Review: their best-rated product This account has been paying interest. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lendingRead more

Which P2P Lending Sites Are Profitable?

For many years, 4thWay has had a small, steady stream of requests from our readers to find out which P2P lending companies are profitable – which of them are making money. That’s why we have this guide, which we update kind of regularly. Lenders’ concern is that if these websites are not profitable then they… Read more

SoMo Review

One of 4thWay’s specialists has again updated the SoMo Review, summarising the key points. (If you’ve come here for the BridgeCrowd Review, BridgeCrowd has now become SoMo.) It will probably take 9-10 minutes to read the main section. If you want to read the extra detail we go into on some topics underneath, it’ll take… Read more

UK Peer-to-Peer Lending For Overseas Residents

Here’s our list of P2P lending companies that you can lend through from overseas, i.e. outside the UK. And there’s another list below of those that you can’t. In addition to any requirements below, you may only open an IFISA if you are a UK taxpayer and have an National Insurance number. Overseas investors allowed… Read more

The 10 Key Peer-To-Peer Lending Risks

The main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending site going bust (platform risk). Losing money due to fraud or negligence. Selling into a loss (crystallising losses). Losses because you can’t sell early (losses from… 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

How To Assess The People Behind P2P Personal Or Business Lending Platforms

One of the key things to understand when putting your money into a lending account is the competence and character of the people behind the P2P lending company in question. While I can’t distill all 4thWay’s acquired knowledge and method for scrutinising key people, I’m going to pack in tips on what to look for… Read more

Can My Business Lend Through P2P Lending Sites?

UK Limited companies and Limited Partnerships are allowed to lend through P2P lending websites. The ones we know of are: CapitalStackers*/**. CrowdProperty.** Downing Crowd**. EstateGuru. Funding Circle**. Invest & Fund. Kuflink*/**. LandlordInvest. Lending Works*/**. MarketFinance. Propio. Proplend*/**. Sourced Capital*/**. Zopa**. Limited companies and LLPs are generally allowed to lend. You’ll need to read the print… 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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