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The Best IFISAs Available Now

The number of IFISAs is growing (you can compare IFISAs here), so I have narrowed the playing field down to the best IFISAs for low risk as well as the top choices for those people who want to pick individual loans. The main criteria for selecting these P2P IFISAs are the same ones that 4thWay’s experts… Read more

What Is The Difference Between P2P Lending And IFISAs?

Peer-to-peer lending is lending directly to individuals or businesses, including, sometimes, property owners. IFISAs is usually the same, with the advantage that any interest you earn and gains you make are always tax free. However, there can be a minor catch to watch out for. Some things in the world of investing can seem horribly… Read more

Why Should I Do Unsecured Business Lending?

You probably think a better question is “Why on Earth would I want to do unsecured business lending when I can do secured lending? It’s a good question. Secured business lending, after all, means that you are lending to a business that has property, equipment, machinery, cash or other assets that legally can be repossessed… Read more

What Is Secured Business Lending?

Secured business lending is when borrowers have to put up assets as collateral on their loans. Those assets protect the lenders – in this case, I mean individual lenders like you and me, using P2P lending sites. Assets are things of value like properties, machinery, equipment, cash or even invoices that the borrowers’ customers are… Read more

Does The FCA Really Make P2P Lending Safe?

Here’s a picture to show you what the UK’s Financial Conduct Authority does and what it doesn’t do to make P2P lending safer. The FCA has effectively blocked around 300 applications from businesses wanting to start a P2P lending site and I have seen its very strong moves to make existing P2P lending sites behave… Read more

How To Pick P2P Property Development Loans

Development loans offer attractive interest rates of 8% or more, secured on land and property, so they are appealing to lenders. Most property P2P lending websites focus on development loans more than other kinds of property loans. (See sidebox, right, to find out what development loans are.) We’ve written before about why property development lendingRead more

The Right Split Between Savings, P2P, Shares, Property

This article is about how much you should split between savings accounts/cash ISAs and peer-to-peer lending, and also shares if you want to more diversification further up the risk scale. I also discuss the money you might put into buying your own home. Those are what we here think of as the four main ways to… Read more

How Much to Invest in Peer-to-Peer Lending

Benjamin Graham was a highly intelligent investor who basically invented the most successful way to invest in shares. He didn’t go for all the complexity of many of his other colleagues in his industry. Just like all highly successful long-term investors that we know of, he kept it simple. The simplicity of Graham’s strategy extended… Read more

10 Things To Look For In P2P Property Loans

It’s not always easy to spread your money across hundreds of P2P property loans, because the deals are bigger and fewer in number. To counter for that, you have the extra protection of being able to repossess and sell the property if the borrower can’t repay. That is to say, the P2P lending websites you use can… Read more

What We Learn From Loan Acceptance Rates

The loan acceptance rate can be incredibly useful for lenders like you and me, since it can be a strong indication that a P2P lending opportunity has strict borrower selection standards. If a P2P lending website accepts no more than around 20% of applicants, rejecting the rest, that’s generally a good sign. If it’s more… 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

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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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