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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

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

Growth Street ISA: Is It P2P, What Are The Risks & Does It Beat The Classic Account?

There’s a lot for lenders to learn about the Growth Street ISA, launched in 2019. Take a dive into all the important aspects right here, and find out how it compares to the Growth Street’s ordinary lending account. The Growth Street ISA is covered by the reserve fund Just ticking off a simple point first,… Read more

Does Landbay’s £1 Billion Deal Affect You?

Landbay has just announced that a “major financial institution” will lend another £1 billion through it. Landbay has previously arranged over £300 million in loans, with most of that coming from regular lenders. I asked Landbay* some of the key questions that our experts at 4thWay use when gathering information about institutional lending. Here is… 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

The Attractive Way Loanpad Finds Borrowers Vs The Broker Way

Property peer-to-peer lending sites that use loan brokers or regional managers to attract borrowers always require an extra little bit of attention from 4thWay. Brokers don’t just do the initial assessment of a loan. They are also partly salespeople, selling the loans to banks and peer-to-peer lending sites. If not on a tight leash, they… Read more

Create A Balanced ISA Portfolio

This is quite a bit of fun for me today. I’m going to look beyond peer-to-peer lending to my old, very well-trodden stomping ground of shares and savings, where I spent nearly 20 years of my life before peer-to-peer lending took over. If you want to form a portfolio of ISAs containing different kinds of… Read more

4thWay CEO’s 6 Top Property IFISA Picks

A property IFISA is a tax-free investment account where you can lend to borrowers who have real property – real estate – to back up those loans. This piece is based on a vast amount of research over many years. I could have easily made it about the top 10 or even 20 property IFISAs…. 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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