Compare P2P lending accounts and IFISAs now
Click "Learn" to get help

Funding Circle A+ Loans Are High Interest For Low Risk

Samir Desai, CEO at Funding Circle, the largest P2P lending company focused on loans to UK businesses, did a presentation called “Building A Better Financial World” at industry conference LendIt. Samir said that expected average returns for all Funding Circle loans after fees and bad debts, but before taxes, are 7%. That’s across all loans from… Read more

Lending Works’ Insurance Against Losses

Lending Works*, the prime consumer loans P2P lending company, has clarified what its insurance against losses will cover. Lending Works has taken out insurance to cover borrowers who can’t pay, which is provided by three insurers with assets of more than £2 billion. This is in addition to keeping a well-stocked provision fund against losses… Read more

How Zopa Lends Your Money

Mat Gazeley from Zopa has just published more details about how Zopa matches your money to borrowers in a blog post. The key takeaways Mat explained that, above all else, Zopa lenders who receive loan repayments are ahead in the queue when it comes to re-lending their money compared to any new money from lenders…. Read more

Funding Secure Improves Website for Lenders

Funding Secure, the P2P lending company that secures lenders’ money against borrowers’ yachts and other assets, has just released a new website with some big improvements. It told its lenders: “You will immediately notice a change in the appearance – designed to give a cleaner fresher look, aimed to make it much simpler to move… Read more

Exit from P2PFA, but Wellesley & Co isn’t slowing down

Spokesperson Aldwyn Boscawen from Wellesley & Co., the P2P lending service, informed 4thWay today: “The Peer-to-Peer Finance Association has accepted the resignation of Wellesley & Co. with immediate effect. Following conversations between the P2PFA and Wellesley & Co. it became apparent that Wellesley’s ongoing marketing strategy would be incompatible with the rules of the P2PFA.” Wellesley, joined the… Read more

Financial advice harder to come by if you have £30,000

As financial advisors have had to become more transparent with their costs, it is becoming harder for them to agree fees with clients who have less than £30,000. Independent financial advisors are expected to consider all forms of regulated savings and investment products for their clients, which includes peer-to-peer lending. As a result of the introduction… Read more

Automation gets better at Funding Knight

Funding Knight is the latest peer-to-peer lending company to announce improvements to make it easier for you to spread your risk and diversify across loans. You will notice that when you search for a loan through Funding Knight’s Loan Exchange you will get two options to choose from “Quick Buy” and “Advanced”. “Advanced” allows you 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.

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 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

×
Back to top
[wpforms id="19476" title="false" description="false"]
[wpforms id="19884" title="false" description="false"]