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
Guides
Which P2P Lending Sites Offer FSCS Protection?
SoMo Review
One of 4thWay’s specialists has recently 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
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
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
Who Owns The P2P Lending Sites?
For fast-growing startup companies – which includes most P2P lending sites – being profitable isn’t usually the best measure of whether it will succeed. This is especially the case since most of them are not profitable. And you don’t expect them to be. They need and want to grow rapidly and to do so they have… 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 lending… 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
How Is Peer-to-Peer Lending Taxed?
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
10 Ways To Get Your P2P Lending Money Back!
This guide will tell you how to lend more swiftly through peer-to-peer lending accounts and IFISAs or get set up so you can get your money back as soon as you want it. (Skip down the page to the 10 ways to lend faster or get your money back more quickly.) But some of you… Read more
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