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UK Peer-to-Peer Lending For Overseas Residents

Here’s our list of P2P lending companies that you can lend through from overseas – and another list of those that you can’t. Please let us know if you know the status of any more P2P lending companies either by using the comments below or by emailing editorial@4thWay.co.uk Note that if the P2P lending site is… Read more

Which P2P Lending Sites Are Profitable?

We are regularly asked by 4thWay’s users about whether individual P2P lending websites make 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 money back or that you might not… Read more

The IFISA (P2P ISA) 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

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

Your IFISA: What Are The Risks?

The risks in IFISAs include psychological risk, concentration risk, credit risk, platform risk, and risk of fraud or negligence. Those are the big five. The risks in IFISAs are usually identical to the risks in peer-to-peer lending. Most people who use IFISAs to lend their money in are taking part in peer-to-peer lending. The difference… 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

Peer-to-Peer Lending Vs Other Investments

1. Savings accounts, 2. peer-to-peer lending, 3. buying your own home and 4. the stock market are useful investments. Bonds and gold have been poor “middle ways” between savings and shares. Peer-to-peer lending has a better risk-reward profile. A decade ago, when friends and family used to ask 4thWay founder Neil Faulkner for some tips on… Read more

How Is Peer-to-Peer Lending Taxed?

When you earn money through peer-to-peer lending it is usually classed as income, so you could be charged income tax. There are, however, huge tax breaks, including an automatic break for many people, as well as specific peer-to-peer lending accounts that you can open which are always tax free. Key P2P tax rules in bullets Most… Read more

The Five Key Risks In Peer-To-Peer Lending

Here is a list in priority order of the key risks in peer-to-peer lending, including P2P IFISAs, and how we as lenders can all reduce those risks. Risk 1: yourself The biggest risk in every kind of investment since forever has always been what happens in our own noggins: we get greedy when we should… Read more

What the Heck is Peer-to-Peer Lending?

Here’s an overview of how you can earn an income and make money by helping others escape the banks through peer-to-peer lending. What is peer-to-peer lending? Peer-to-peer lending allows you to earn an income and make money by helping other people or businesses to get out from the grasp of the banks. You open an… Read more

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Today’s average interest rates

4thWay® Forecast Returns Index: 4.68%

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

×
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