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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

Is The RateSetter Login Page Secure?

The RateSetter login page, and RateSetter generally, is bound to be an interesting but tough challenge for hackers. As with other peer-to-peer lending and IFISA providers, RateSetter takes and stores your personal details, such as your date of birth, your address and sometimes even your National Insurance number. And it stores financial details, such as… Read more

Is The Zopa Login Secure?

The Zopa login page, as well as Zopa’s cyber security in general, needs to be strong to deter hackers keen to try and take a piece of the billion pounds being lent through this peer-to-peer lending site. As WordFence says, the “secure” symbol in your browser next to the URL does not automatically mean “safe”…. 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

Best Alternative To Landbay

It’s got a little more fiddly for peer-to-peer lending platforms to keep on going. New regulations that started in December have put extra burdens on them – and it seems that this was enough to tip some to the point where they’ve chosen to close their doors to ordinary lenders. From now on, prime residential… 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 experts‘ Quick LendingCrowd Review. (You can find all our experts’ reviews in our comparison tables.) 4thWay’s Quick Expert LendingCrowd Review Good results from a unique opportunity, provided you… Read more

20 Property Peer-to-Peer Lending Websites

A few property peer-to-peer lending websites offer loans that are intrinsically low risk, such as homeowner mortgages, residential buy-to-let mortgages and commercial buy-to-let mortgages. In other words, the properties are receiving rent. Other property peer-to-peer lending websites offer loans that are intrinsically higher risk, such as development loans and bridging loans. (See sidebox, below right, on “What are bridging… Read more

Octopus Choice Review

Here’s the Octopus Choice review from one of 4thWay’s specialists: 4thWay’s Quick Expert Octopus Choice Review Offers something different that could add to your current P2P lending. Established in 2016, lenders using Octopus Choice have lent  to property borrowers. It’s part of the Octopus Investments group, which manages £6 billions pounds-worth of investments and has been… Read more

Update on Proplend

Here’s a quick update on Proplend. Proplend’s finally gone and got itself a bad debt Proplend* has finally had its first loan funded by individuals turn bad, out of £70 million in lending and around 90 loans over five years. Enough time has passed that I can now take a look at how recovering the… Read more

Biiiiig Growth Street Update On Bad Debts, Reserve Fund And Super-Large Loans

My main research focus over the past few weeks has been on re-interviewing Growth Street, probing for more details, and pushing it for better quality data. This article covers all that, with my usually candid opinions thrown in. Check out my three-minute summary and, if you are really interested in Growth Street, slog through the… 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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