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Video: What We Learned From RateSetter’s CEO

What we learned about RateSetter’s experiments Rhydian Lewis, RateSetter’s* CEO, got the chance to present his business recently. I’ve set the above video to start from the point where I think it might be particularly interesting to individual lenders as regards to RateSetter’s own business, especially in the light of its recent misfortunes, which RateSetter… Read more

How Is Peer-to-Peer Lending Taxed?

Key P2P tax rules in bullets Most people pay no income tax, because peer-to-peer lending is included in the Personal Savings Allowance. That’s £1,000 tax-free interest for basic-rate taxpayers and £500 for higher-rate payers. You pay tax at your own income-tax rate on any interest earned above the savings allowance. Bad debts are tax deductible. Everyone… Read more

Where Can You Buy Or Sell Existing Loans?

See a list of all the peer-to-peer lending secondary markets, how much they cost and whether you can buy and sell loans at a discount or premium. A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because… Read more

The IFISA (P2P ISA) Guide

IFISAs in five bullet points IFISAs offer tax-free lending on contributions of up to £20,000 per tax year (which always starts on 6th April), but most people can lend tax free outside an IFISA anyway. Over the years you could open a string of IFISAs. However, you cannot have new contributions for the tax year spread across… Read more

Money-Saving Tips Websites Are A Risk To Your P2P Wealth

This week I received a newsletter from a popular money-saving tips website that said: “Peer-to-peer lending isn’t the only option for savers keen to earn more – there’s also investing to consider.” It was just yet another time that I’ve heard P2P being described as savings for savers when it is actually a form of… Read more

Big Lending Update On Zopa, RateSetter and Funding Circle

We have had a lot of requests for updates on the big three P2P lending sites, namely Zopa, Funding Circle and RateSetter. There’s an awful lot of important things to say about each of them, so here goes: Zopa Core earns a 4thWay PLUS Rating As you probably already know, Zopa is retiring its lending… Read more

What’s Happened Recently That You Need To Know

We’re not a P2P “industry news” site, but we do like to report news if it directly helps individual lenders to make better lending decisions, which is our entire raison d’être. A lot of news like this has occurred over the past six weeks or so, so here’s a round-up: Risks at Zopa have risen… Read more

Major P2P Founder Warns: “Our Industry May Never Be Profitable”

Cliff is an experienced journalist hired in as 4thWay’s “Chief P2P Cynic” to give you the alternative view. Read about Cliff. A couple of months ago, towards the end of March, I had a one-to-one meeting with a leading light of the peer-to-peer (P2P) lending industry. This well-known and globally respected individual co-founded one of… Read more

ThinCats The 5th P2P Site To Breach £200m

Many lenders like to assess P2P lending sites based on their size. That’s why our experts looked at total P2P lending from 39 different platforms available to UK lenders since they first started. This is the fullest – and after our experts’ adjustments probably the most accurate – list of UK total P2P lending anywhere…. Read more

4thWay’s 10 P2P Investing Principles

Throughout this site, we call lending, “lending”. Funnily enough. But that word can sound a bit casual and easy. Like you’re giving some chums, some fellow countrypersons or local businesses, a bit of cash in return for a bit of interest. A simple income on the side where everyone’s a winner. Instead, you need to consider… Read more

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Today’s average interest rates

4thWay® Forecast Returns Index: 4.90%

Showing average expected interest rates for individual lenders after fees and bad debts if you lend today.
Read about the first P2P lending index.

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.

Got it

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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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