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Will Lenders On Collateral UK, The Disgraced P2P Site, Get Their Money Back?

Peer-to-peer lending website Collateral UK went out of business in February 2018. It was quickly alleged to be operating without the correct permission from the financial regulator. It now appears to have appointed administrators, who we can expect to wind down the website and existing P2P loans. Whether the permission was correct or not when… Read more

Brief But Good Updates On Proplend, Growth Street…And Sergii?

Proplend Proplend* has given an update on its P2P mortgages to commercial and residential property owners that are leasing out their properties. One loan was repaid about a month late. Lenders earned an extra 20% interest in the month they were waiting for their money back. There’s another loan that is late, but Proplend sees… Read more

Earn Up To £500 Cashback For Lending Works IFISA Transfers

New Lending Works* IFISA customers can earn between £50 and £500 cashback, if you transfer cash ISA, share ISA or IFISA cash into the Lending Works IFISA. This is a very limited time exclusive offer. Even we don’t know how long we can exclusively offer it to you for, but the estimate is this will last… Read more

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

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

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

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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