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How The Budget Affects Peer-to-Peer Lending

With additional reporting by Matthew Howard. The Budget today contained several direct effects on peer-to-peer lending: No tax deducted automatically from savings Over the passed few months, the Treasury has been  umm-ing and ahh-ing over whether to ask P2P lending websites to automatically deduct basic-rate income tax from the interest we earn, much like banks already do… Read more

Landbay: Lend Instantly, Spread Risk Automatically

We needed to fill a few gaps in Landbay’s data in our detailed comparison tables, so today I interviewed John Goodall, CEO. Landbay is one of the safest P2P lending websites, focusing on high-quality residential buy-to-let landlords and properties. It has clear, strict lines in the sand that it won’t cross when deciding to approve… Read more

Get A Regular Income From Lending Works

Additional reporting by Neil Faulkner. Lending Works now allows lenders to receive their interest payments directly as a monthly income. This will start from 6 April, which is just in time for our next Lending Works pay checks. Lenders can also choose to receive a combination of interest and repayments of the actual loan back on a monthly… Read more

FundingSecure: 13% Loans This Week

This article is updated regularly with the latest loan opportunities. FundingSecure is a secured loans peer-to-peer lending company that helps you lend your money while securing it against valuable items, such as power boats, yachts, fine art and mansions. Although interest rates have averaged nearly 13% and bad-debt rates are high, just £358 of lender money has… Read more

10 Years of Zopa: 10 Times More Interest Than Losses

Zopa, the oldest P2P lending company in the world – the one that started it all, right here in the UK – turned 10 today. Let’s look into how well it has contained losses, even during the worst recession for nearly a century, and how well it has rewarded lenders compared to savings accounts. I’ll… Read more

Unbolted Gets a Bad-Debt Provision Fund

Unbolted now has a bad-debt provision fund to cover at least the first part of your lending losses. The fund will operate as a trust in the same way as the other P2P lending companies. The new pawnbroking P2P lending company already offers lenders protection from losses with gold loans by fully insuring them against… Read more

FundingSecure Lenders Suffer First Losses

Until recently, FundingSecure has been bragging that no lenders have lost any of their starting money. But it had to happen eventually. Now, a small number of lenders have collectively lost £512 of their starting money. Presumably all those lenders are up overall, because FundingSecure has matched over £4.4 million of lenders’ money since July… Read more

How First Late Payments at Lending Works Will Affect You

Lending Works has probably completed around 1,000 loans in over a year. Late payments are inevitable, as are bad debts, and yet,  despite the high number of loans, it has only just now got its first late payments. Today, late payments rose from zero to 0.01% as a proportion of all outstanding loans. So it’s… Read more

UK Leading the Way on P2P Lending

Additional reporting by Matthew Howard The University of Cambridge is making a reputation for itself in analysis of P2P lending and other “alternative finance”. It’s focus so far has really very much been on statistics that are of interest to the P2P lending companies, but unfortunately as yet it has produced little to help small investors… Read more

Loans On Unbolted, a P2P Pawnbroker

P2P lending company Unbolted, a pawnbroking offering that we wrote about in New Peer-to-Peer Pawnbroker: Unbolted, has now got off the ground with four small loans and one very large one. I’ll just summarise these loans now, so that you can get an idea of the sorts of loans the company is currently matching. The… 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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