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Kuflink Enacts Changes In Response To Auditor Concerns On Governance

See the latest update on the subject below in Update On Kuflink’s Financial Results And Auditor Reports. Let’s catch up on 3/3 4thWay PLUS-Rated P2P lending company Kuflink* – which has had a stern ticking off from its former auditors, Ernst & Young, who resigned. Here are the key points: Kuflink’s former auditors found that… 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

4thWay PLUS Ratings: March 2021 Changes

Loanpad now rated Loanpad* (read review) has earned the top 4thWay PLUS Rating of 3/3 “Exceptional” on its Premium and Classic accounts/IFISAs, after its history reached enough maturity for our ratings calculations to be meaningful. The 4thWay PLUS Ratings are a measure of both risk and reward. Loanpad has the lowest interest rates (rewards) of… Read more

What Happened To P2P Lending Companies That Closed?

I’ve taken a new look at what happened to lenders at the different peer-to-peer lending sites that closed or shifted away from the P2P model. The vast majority of closures have been benign for lenders, leading to a profitable return of their money, but there are a few very notable exceptions. Before I get to… Read more

HMRC Confirms You Can Open Multiple IFISAs In One Year!

We told HMRC that, reading the rules for ISAs, “they don’t actually prohibit people opening multiple IFISAs in one tax year, provided they only subscribe new money to one of them”… Do they? A representative from HMRC has told us this “looks correct”. That’s about as definitive as it gets from HMRC, which is often… Read more

15 Years Of Profitable P2P lending And Beating The Stock Market

We’ve now had 15 full calendar years of P2P lending, which included the Great Recession (albeit for just the one P2P lending company around at the time) and more recently a massive 20% recession coinciding with the first 11 months of the worst pandemic for 100 years. While the stock market has seen five down… Read more

Growth Street Review: Lending Successfully Wound Down

Here’s the Growth Street Review from one of our specialists. (You can see all the reviews in our comparison tables.) 4thWay’s Quick Expert Growth Street Review Growth Street has wound down its existing lending Growth Street, established in 2014 with a total lent of , is no longer taking on new borrowers and all lenders… Read more

Growth Street Lenders Get Full Return Of All Money And Interest

Today, Growth Street said: “We have recently concluded redemption of our platform investors in full as part of the Resolution Event declared in June 2020. As of 13th January 2021, all remaining funds have been returned to peer-to-peer investors and our investor platform is in the process of closing. Well done to the Growth Street… Read more

Recent Movements In The 4thWay PLUS Ratings

The 4thWay PLUS Ratings and 4thWay ALT Ratings have been showing their worth during the pandemic and we strongly expect they will continue to do so. P2P lending doesn’t evolve around the world of COVID-19, though, so there have been a few changes to 4thWay PLUS Ratings in recent weeks for more mundane reasons. Kuflink… Read more

P2P Lending And COVID-19: Lots Of News And Updates, Nov 2020

It’s been a lot of work trying to stay on top of all the P2P lending companies for you during the pandemic. as we sought extra information, meetings and data submissions from the P2P lending companies. Here’s a summary of much of our recent research. These COVID-19 updates are shown in the order they appear… Read more

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Today’s average interest rates

4thWay® Forecast Returns Index: 4.59%

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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