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Why Do Peer-To-Peer Lending Rates Fall? 5 Reasons

You may have noticed that the lending rates you can earn are higher when a peer-to-peer lending website or IFISA first launches. Then, peer-to-peer lending rates fall over the following years to more sensible levels. The five possible causes of falling peer-to-peer lending rates are: Supply and demand. Bad debts. Competitive forces. The economy. A… Read more

Personal Peer-To-Peer Lending: It’s Underrated!

Before you start to assess a P2P lending website or IFISA provider that does personal loans, it really helps to understand the characteristics and features of personal peer-to-peer lending. In other words: what are you getting into when you lend your money in these loans, what features of personal peer-to-peer lending make it different to… Read more

How Peer-to-Peer Lending Works

We try to explain peer-to-peer lending in What Is Peer-to-Peer Lending? However, it can sometimes be easier in an image. So we’ve created one for you called “How Peer-to-Peer Lending Works – For Investors”. Click on it to open it up. There is a mobile-friendly version underneath. These images also explain how P2P IFISAs work,… Read more

How To Check The Financial Services Register For Monsters

Peer-to-peer lending websites and IFISA providers that do not appear to have the correct permission from the financial regulator are the ones that are most likely to turn out to be the real monsters that cause panic, fear and financial loss to individuals. Below, you will see the most basic way to use the Financial… Read more

IFISAs: What Are The Risks?

The risks in IFISAs include: Psychological risk: your own greed and fear. Concentration risk: you don’t spread your money across lots of loans and P2P lending sites. Credit risk: borrowers don’t repay you. Platform risk: the P2P lending site (the “platform”) goes bust and its wind-down is not perfectly managed. Risk of fraud or negligence…. Read more

ThinCats Review

Here is a ThinCats review from one of 4thWay’s experts: ThinCats Quick Expert Review High rates and high bad debts – could do with more information ThinCats is large and established, with lending in the hundreds of millions since 2011. Its organised loan-approval processes start from a network of sponsors to find and vet deals… 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

What 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

4-Step Strategy to Safe Peer-to-Peer Lending

Safe peer-to-peer lending is not as risky as the stock market. Not by a long shot. On average! However, as with the stock market, the risks in P2P lending, including IFISAs, are not uniform. Some lenders will lose a lot of money over the next half century, simply because they don’t have a plan or do… Read more

Is Peer-to-Peer Lending Safe For Lenders?

The process of money lending has been very profitable for thousands of years, even before computers and credit reports. For many decades now, it has become especially easy to assess borrowers and decide what interest rates to charge them. Research from Liberum and data from Trading Economics has shown that credit cards and personal loansRead 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

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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 “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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