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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

Catastrophe In P2P Pensions

The operators dealing with P2P lending in the Evolution SIPP, which is possibly the best pension for P2P lending, have just announced that they will not allow new P2P lending. In addition, other pension providers offering P2P lending might reduce or remove their services for non-advised P2P lending. The Evolution SIPP The Evolution SIPP is run… Read more

4thWay Alerts Service: Wellesley Update

The 4thWay Alerts Service lets our email subscribers know when a 4thWay writer has seen any major changes at a P2P lending website that he/she would want to be informed about personally – speaking as lenders themselves. I have seen several changes at Wellesley & Co.* since I first reported on it, so here’s an update. Interest rates… Read more

Lending Works Receives Full FCA Authorisation

Full authorisation from the financial regulator paves the way for Lending Works’ IFISA – a tax-free P2P lending account – in just a few weeks. It’ll be the first truly established P2P lending provider to get authorised and to get its IFISA released. Lending Works has a 5/5 PLUS Ratings from 4thWay, meaning by our strict… Read more

P2P Lending Showing Low Losses And Decent Returns

17 out of 30 P2P lending companies that have provided us with 100 data points have had zero or very low losses, and those represent the bulk of the loans made in the industry. As a result, the vast majority of individuals lending money through P2P (probably around 200,000 people) have shown a great overall profit. (You can… Read more

Our P2P Ratings Are Tough On P2P Companies – And You Should Be Too

We at 4thWay are tough bordering on mean when we assess P2P lending companies. This is reflected in our recently upgraded P2P ratings. I want to tell you about these new PLUS Ratings, now shown in our comparison tables, so you know how you can use them to help improve your lending decisions and, I hope, so that… Read more

Landbay: Just 0.3% Bad Debts In A Crash Economy

Lots of news on Landbay today, starting with its latest forecasts. Buy-to-let peer-to-peer lending specialist Landbay* has told is: “We recently conducted an independent Bank of England stress test and this showed expected/projected losses on current/projected loan book of just 0.03% under current economic conditions – increasing to just 0.30% in BofE’s adverse scenario.” Bad-debt provision… Read more

20/7/15: A+ Funding Circle Property, 10% + 2% Cashback!

This article is updated regularly. Last updated on 20 July 2015. Funding Circle is currently returning cashback to lenders on loans secured against property. There are currently four loans paying up to a record 10% interest and 2% cashback that Funding Circle grades as A+. (Scroll down to see them.) That’s 8.4% interest after fees and average expected bad debts… Read more

Today’s average interest rates

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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.
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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.

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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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