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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

Zopa Lenders Have Made £50 Million

Zopa lenders have so far lent £800 million and this week their grand total interest earned hit £50 million. That’s since Zopa launched in 2005. But over one-third of that interest has been paid to lenders in the past year alone, as Zopa grows rapidly in size. Zopa has an incredible record. It would have… Read more

RateSetter Now In A Pension

Low-risk RateSetter* has overcome considerable regulatory barriers to become the first personal loans P2P lending website to allow its lenders to lend through a pension. Indeed, two pensions. Lending through a pension means you pay no tax on the income you earn. Pensions come with additional costs though, so anyone planning to lend only very… Read more

Tax On Bad Debts Ends in Five Days

Here’s a short, but certainly sweet, article. I just had to pull a recent 4thWay® article explaining how 13% earned interest and 6% bad debts could leave you with a profit of less than 2%, all because we are taxed on the bad debts that we suffer directly. (That’s as opposed to bad debts paid for by bad-debt provision… Read more

1% Bonus On Lending Works if You’re 55+

Lending Works, one of the safest P2P lending companies, has just made two new announcements that are quite interesting – but only if you’re 55 or older, because they just apply to you. 1% bonus interest for new lenders If you join Lending Works and offer your money to lend before 30 April, you’ll earn a… Read more

New £1,000 Tax Break When P2P Lending

Savers were given a new tax break in the Budget on Wednesday, but it wasn’t clear at the time whether that was going to extend to your P2P lending. Zopa has told us today that it just received confirmation from the Treasury that it does include P2P lending! The following changes take effect on 6 April… Read more

20% Off Virgin Trains For Funding Circle Lenders

P2P lending company Funding Circle is now offering 20% off Virgin Train travel to people lending their money through its service. Funding Circle is the fifth largest net lender to businesses in the UK and it offers a low risk, market beating opportunity to individual lenders like you and me. The train ticket discount is… 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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