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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

How To Pass LendingCrowd’s Appropriateness Test

LendingCrowd* does lending to small businesses and allows lenders to optionally choose your own loans or auto-lend. LendingCrowd does a good job ensuring that you understand this kind of lending with its appropriateness test. It also offers useful little facts to aid you. I’m here to help you with facts too. How to pass the… Read more

How To Pass Octopus Choice’s Appropriateness Test

You’ll be asked to pass the Octopus Choice appropriateness test (investor test) before lending. This is standard procedure for P2P lending accounts and IFISAs that are regulated by the UK’s Financial Conduct Authority. Who can lend through Octopus Choice? Before I show you how to pass the test, here’s how you can lend through Octopus Choice… Read more

How To Pass Lending Works’ Appropriateness Tests

Lending Works* is one of the simplest P2P lending platforms. On the surface, it’s simple how lenders use it. Behind the scenes, it simple how it works too. For example, in that it has just one category of loan – “personal loans” – and borrowers can largely be assessed automatically. Its appropriateness test is therefore… Read more

How To Pass HNW Lending’s Appropriateness Test

All peer-to-peer lending companies ask you to pass an appropriateness test (investor test) before you lend, including HNW Lending. HNW Lending’s appropriateness test contains some of the easiest questions we’ve seen – but also a couple of real killer questions. Indeed, you won’t find the answers if you go looking for them now on the… Read more

How To Pass CapitalStackers’ Appropriateness Test

You’ll be asked to pass an appropriateness test (investor test) before lending through CapitalStackers, as with all P2P lending platforms. Who can lend through CapitalStackers? I’ll come to how to pass the test in a minute. Firstly, here’s how to lend through CapitalStackers without restriction. CapitalStackers* can be used by all investors. You can lend… Read more

How To Pass Loanpad’s Appropriateness Test

Loanpad, like all other P2P lending websites and IFISA providers, gives you a little test before you lend to ensure you know what you’re doing. Loanpad* goes further than just about any other P2P lending website to make its lending test a real one, while simultaneously helping you to understand what it does and what… Read more

How To Pass ArchOver’s Appropriateness Test

As is now standard in P2P lending, ArchOver will ask you to take a quick test before you lend. These tests are called appropriatness tests. ArchOver* makes its test a little trickier than most, which is a testament to the fact it really wants you to understand what peer-to-peer lending through its online lending platform… Read more

P2P Lending: How And When You Can Access Your Money

This guide tells you how most P2P lending sites and IFISA providers work when it comes to you exiting your loans. And for the most part getting your money back does work as well as you want it to. But, firstly, please consider this: There will be times when selling your loans to exit early… Read more

P2P Pensions Guide

Most people benefit from automatic tax breaks on peer-to-peer lending as explained in our guide: How Is Peer-to-Peer Lending Taxed? However, not everyone does, which can make lending through a pension attractive. And there are other advantages to lending in a pension. There are also cons though, so here’s everything you need to know: The main benefits of… 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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