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The P2P Lending Site You Should Be Lending Through

One of the P2P lending sites that I think is not used enough by lenders is Lending Works*, which does personal loans to creditworthy borrowers – mostly prime borrowers. Why are lenders ignoring Lending Works? I think Lending Works just doesn’t appear, at first site, to tick all boxes for some lenders. Two boxes in… Read more

ArchOver Overreaches And Its Bad Debts Are Rising

Recently, one borrower at ArchOver* suffered severe trouble. This borrower is so large that I shall argue it represents something like 8% of ArchOver’s entire historical (corrected) loan book. That is too much. What happened with this borrower? Every borrower and every bad debt has its own story – and it is all too easy… Read more

How Lenders Can Pick The Best Loans at HNW Lending

HNW Lending offers many loans with exceptionally high-quality security to protect you against losses. This means that the borrower owns properties or possessions that are easy to value and that are worth much more than the loan amount. For a good proportion of these loans, lenders are also first in line if the borrower has… Read more

ArchOver’s New Auto-Lend: The Right Kind Of Diversification

ArchOver* is now the latest established P2P lending site to introduce auto-lend combined with auto-diversification. The ArchOver Investment Plan, as it is called, does three very useful things, the third is about the type of diversification on offer, which is a feature that deserves expanding on. Firstly, most obviously, ArchOver’s auto-lending saves time for lenders who… Read more

Crowd2Fund Loan Book Published, Sheds New Light

Crowd2Fund*, the business loans P2P lending site, has now started to publish its full loan book with detailed information about every loan that has been made through its website. It’s fair to say I now understand Crowd2Fund far better than I did just two weeks ago. You can see the Crowd2Fund loan book for yourself here,… Read more

HNW Lending Continues To Produce The Goods

New loans continue to include a high proportion of very attractive senior loans under 50% LTV. (If you don’t understand what that means for lenders, I’ll explain below.) HNW Lending acts rapidly to recover debts that might turn bad, which dramatically improves bad-debt recovery results. Before reading on, you should know that HNW Lending sets… Read more

Proplend: Now You Can Auto-Lend On 50% LTV Property Loans

Proplend has launched an auto-lend feature for its “tranche A” property loans, whether you lend through its regular account or its IFISA. Proplend’s tranche A loans are for a maximum of 50% of the property’s valuation. Many loans are against properties that are earning income for the borrowers by being rented out (which have the highest, +++… Read more

More LendingCrowd Accounts Earn 4thWay PLUS Ratings

LendingCrowd’s Growth and Income peer-to-peer lending accounts, including the IFISA versions, have now earned “Excellent” 4thWay PLUS Ratings. Previously, just LendingCrowd’s Self Select lending account and IFISA had earned a rating. Why have these accounts been upgraded so soon? The two LendingCrowd* accounts have been awarded ratings just a few weeks after our last assessment…. Read more

How New Ratings Have Shaken Up The P2P Lending Comparison Tables

When is a site allowed a rating? All P2P lending sites and P2P IFISA providers that supply enough information about themselves, and that have a long enough history, are assessed to see if they can earn a rating. We’ve listed the providers that have earned 4thWay PLUS Ratings below, with some information about how they… Read more

How We’ve Improved The 4thWay PLUS Ratings

A recap of the first major upgrade We improve the 4thWay PLUS Ratings over time. Many of the changes are small, but today we launched our second ever big upgrade. In the first major upgrade a couple of years ago, we progressed from the 4thWay Risk Ratings – a measure of the risks –  to… 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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