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Should I Sell RateSetter Loans?

One of my colleagues wrote a 4,000-word report on RateSetter*, explaining some recent troubles it has had as well as his opinion on whether individual lenders should sell RateSetter loans now. It’s called Fact Check: RateSetter Hit By £80m Of Struggling Loans. I know that many of you don’t have the time to soak up… Read more

The 3 Top Property P2P Lending Sites To Lend In Now

This piece has been updated since first publication in February 2017. Here is my personal list of the absolute three top property P2P lending sites from among the many excellent property lending opportunities. 1. The top property P2P lending site I’m very sorry to be boring, but this is not surprising to any of you already… Read more

LendingCrowd On Track For A Top Rating

It’s very early days still for LendingCrowd, but so far it’s a tale of two halves: LendingCrowd’s lower-risk loans are easily on track for the top 5/5 4thWay PLUS Rating. But its higher-risk loans do not currently appear to pay lenders enough interest to cover the risks during a severe recession. Comparing LendingCrowd and Funding Circle… Read more

Difference Between Assetz Capital Products Finally Explained

Recently I was a bit confused about the difference between Assetz Capital’s various products, in particular when you want to get early access or get your money lent quickly. After asking Assetz Capital for clarity, I just want to quickly share this with you in case you are also struggling to spot the subtle differences…. Read more

My “A+” Funding Circle Loans Are All Going Bad

Question from anonymous 4thWay reader “I have been investing in P2Ps for a number of years now. These include Ratesetter*, Zopa, Lending Works* and Landbay*. My experience across all four has, in general, been good. “Last November I invested £8,500 with Funding Circle for the first time, using their autobid tool. Following their advice to… Read more

Quick Expert Reviews Of 3 Property Lenders

To make it easier for you to get a quick summary of our experts’ views, we’ve added “Quick Expert Reviews” to our comparison tables. Check it out. Below, we give you our Quick Expert Reviews of three secured property P2P lending sites to coincide with our property lending special newsletter to 4thWay subscribers this week…. Read more

How To Lend Through Crowd2Fund

Crowd2Fund does business loans and it is available in an IFISA (a tax-free P2P lending account) paying 8.5% or more before bad debts. I’m going to show you one way to select individual business loans to lend in at Crowd2Fund for yourself, rather than relying on its auto-lend feature. I’m not saying that this way… Read more

Which P2P Lending Site Offers Very Personal Service?

Peer-to-peer lending sites put loads of time into offering great service to borrowers, but what about service for lenders? Some provide emails that are automatically tailored to what you want or they answer your brief written questions online. But, as far as I know, just one P2P lending site goes way beyond all the rest… 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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