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IFISAs

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Invest & Fund Review

Here’s the Invest & Fund review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Invest & Fund Review Invest & Fund is the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance… Invest & Fund Review: their best-rated product This… Read more

Learn From Northern Provident Investments To Stay Out Of Trouble

Northern Provident Investments was a company I’d never even heard of that offered IFISAs. It recently shut down, possibly because it offered mini-bonds, which the FCA recently banned from mass-marketing. Clearly, it was small. It also seems likely it either didn’t offer P2P lending investments or that it was a blend of P2P lending and… Read more

Update On Kuflink’s Financial Results And Auditor Reports

Kuflink* is now up-to-date in publishing all its company accounts at the UK’s companies registrar, after long delays. I’ve looked into its recent financial results, its independent auditor reports – which were especially important this time round – and other matters. Recent results Kuflink’s latest accounts are made up to 30 June 2020, which we… Read more

Proplend Review

This is a Proplend review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Proplend Review Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders. Proplend Review: their best-rated product This account has been paying interest after bad debts. Read about the… Read more

The 6 Best P2P Lending Accounts In 2021

The best P2P lending accounts in 2021 are paying between 4% and 12.15% interest, while doing an incredible job of containing the risks for lenders. Here, I intend to give you a taste of some of the absolute best P2P lending accounts in terms of risk-reward balance. Introduction From 2014, 4thWay’s specialists have been using… Read more

LendingCrowd Review

4thWay’s LendingCrowd Review: with business loans P2P site LendingCrowd*, you can select loans yourself to earn higher interest or spread your money automatically across many loans. Here’s our specialist’s LendingCrowd Review. (You can find all our reviews in our comparison tables.) Note that LendingCrowd is not currently accepting new lenders or new deposits, because it… Read more

P2P Lending And IFISA Cashback Deals Available Now

There’s not much in the way of generous P2P lending cashback or IFISA cashback deals at present – but one provider is offering up to £4,000 (up to 4%) to new lenders. Further down this article, you’ll see the more modest cashback deals that are available. We’ve also started adding referral schemes or other ways… Read more

ArchOver Review

The ArchOver Review is written by one of 4thWay’s specialists.   4thWay’s ArchOver Review A P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders. What ArchOver does ArchOver primarily does UK business loans that are largely secured on whatever business assets are available, with a… Read more

Assetz Capital Review

This Assetz Capital review was written by one of 4thWay’s specialists. You can find this review as well as reviews on other peer-to-peer lending companies in our comparison tables. Note in 2021: there’s a queue for new P2P lending, which reopened recently after Assetz Capital finished government-backed pandemic loans. 4thWay’s Assetz Capital Review Outstanding lending… Read more

Assetz Capital PLUS Rating Update

Assetz Capital* was one of the businesses that temporarily paused P2P lending last year in order to offer businesses government-backed pandemic loans, which weren’t available as P2P. It’s now reopening its P2P lending, but it could be some weeks before lenders can put new money into its lending accounts and get lending. Assetz Capital says… 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.
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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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