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Zopa Interest Rates: Down Today

This article is updated as and when Zopa changes its rates. Zopa*, the “super prime” personal loans P2P lending website, has compressed its rates further today, dropping from 4% in the three-year market to 3.8%. Its interest rates for five-year loans remain at 5%. This is the first time Zopa interest rates have changed in many… Read more

Zopa Lenders Beat Interest Rate Targets

Some Zopa news today, starting with the best bit: Zopa lenders are, on average, achieving higher rates than those projected by Zopa. Lenders exceeding targets Zopa removed its guaranteed rates at the beginning of this year, but its seems to be getting the hang of its new system of target rates Zopa is currently projecting… Read more

Peer-to-Peer Lending Scams

The Financial Conduct Authority – the UK body that regulates financial companies – has issued a warning that scammers are now operating in peer-to-peer. It writes, in its usually over-cautious way, that it “believes” that a company calling itself “Zopa Loans Reviews” is pretending to be the real P2P lending company “Zopa” and attempting to… Read more

Wellesley’s First Bad Debt…Sort Of

Wellesley & Co.*, a property bridging and development loans P2P lending website, is now reporting its first bad debt, although recovery prospects look good. Wellesley & Co., has matched money from individual lenders like you and me to borrowers in nearly 200 large property loans worth over £200 million since it started in late 2013…. Read more

Wellesley & Co. Easy Access Interest Rate Reduced

This is just a brief note to say that, this weekend, Wellesley & Co. has slightly dropped the interest rate on its 30-day notice account, which it calls its Easy Access account, from 3.66% to 3.55%. We wrote about Wellesley & Co’s other interest rate changes on Friday in Wellesley & Co. Increases Interest Rates. That… Read more

Wellesley & Co. Increases Interest Rates

This article was updated on 2 May, to explain an additional interest rate change made by Wellesley on that day. Property P2P lending website Wellesley & Co. has increased interest rates on all its deals as of today, 1 May. Except for one deal which went down slightly on 2 May. The P2P lending website, which… Read more

Buy And Sell Existing Loans On Proplend

Proplend has now launched a “secondary market”, which is where you can buy and sell existing loan parts. Previously, with Proplend, you could just lend your money at the start of a new loan and there was no secondary market where you could sell it on to exit the loan early. You might want to… Read more

Nominate Your Fellow 4thWay Users

Scroll down to see the first nominees. 4thWay® is setting up a Panel of Peers to govern our website on your behalf. These are individuals like you who lend their money through P2P. They will ensure 4thWay® keeps your interests at the heart of what we do, writing the whole truth and keeping our comparison tables… Read more

Q&A With 4 Property P2P Lending Websites

Last Friday I chaired a panel show for the first time. It was the property peer-to-peer lending panel at the Property Investor Show in ExCeL, London, and there were a lot of great questions from the audience. The panel were representing P2P lending websites that do developer loans, buy-to-let residential, mixed use, straight commercial property –… Read more

How To Earn Your P2P Interest Tax Free

In the past year, SIPPclub has been working with a number of the P2P platforms to enable them to accept SIPP money. This is good news, for it enables you to earn your interest tax free. Compared to lending money personally, the effect of earning interest tax-free is significant. With the new pension freedoms in… Read more

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Today’s average interest rates

4thWay® Forecast Returns Index: 4.70%

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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