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Is The Assetz Capital Login Secure?

The Assetz Capital* login page is one of the key focal points for security risks on its website. We have assessed this page – as well as the entire website – for its cybersecurity. Most websites now earn the “secure” symbol next to the website address in your browser window, but this is far cry… Read more

LendingCrowd Loses Its 4thWay PLUS Ratings

LendingCrowd* has taken the rare step of deciding to no longer publish its loan book or provide 4thWay with it on a regular basis. As a result of this large step back in transparency, LendingCrowd has lost all its 4thWay PLUS Ratings on all its lending accounts. I’m going to tell you about loan books,… Read more

Assetz Capital PLUS Rating Update

Assetz Capital* was one of the businesses that temporarily paused P2P lending last year in order to offer businesses government-backed pandemic loans, which weren’t available as P2P. It’s now reopening its P2P lending, but it could be some weeks before lenders can put new money into its lending accounts and get lending. Assetz Capital says… Read more

LandlordInvest Review

Here’s the LandlordInvest review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s LandlordInvest Review LandlordInvest may be relatively new, but it’s building an excellent record. LandlordInvest Review: their best-rated product This account has been paying . Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts… Read more

What Lending Works Has Got Wrong

Lending Works has said to us that lenders have expressed support of it during the pandemic. And we have corroborating evidence that it’s probably a minority of lenders who are truly angry. Yet there’s certainly some anger going around. While it has so far justified its 4thWay PLUS Ratings, in some areas, Lending Works has mis-stepped… Read more

Has Anyone Lost Money At Lending Works And How Variable Are Lending Results? (P.S. Please Don’t Unsubscribe)

Have any Lending Works lenders lost money? Due to the pandemic, Lending Works* put existing lenders on negative interest rates for a few months to divert some extra money to its bad-debt reserve fund. Some existing lenders still have negative rates on some of their loans, while loans issued in 2020 are now back on… Read more

4thWay PLUS Rating Update On Lending Works. Assetz Capital Delayed

4thWay’s specialists have reassessed Lending Works’ ratings. This mostly involves reassessing the performance of their loans and stress testing them with horrible disaster scenarios, such as assuming a severe recession and property crash. In these circumstances, can lenders still end with an overall profit? The current 4thWay PLUS Ratings are for people lending money today…. Read more

Kuflink Enacts Changes In Response To Auditor Concerns On Governance

Let’s catch up on 3/3 4thWay PLUS-Rated P2P lending company Kuflink* – which has had a stern ticking off from its former auditors, Ernst & Young, who resigned. Here are the key points: Kuflink’s former auditors found that for the most part the accounts give a true and fair view of Kuflink’s position and had… Read more

4thWay PLUS Ratings: March 2021 Changes

Loanpad now rated Loanpad* (read review) has earned the top 4thWay PLUS Rating of 3/3 “Exceptional” on its Premium and Classic accounts/IFISAs, after its history reached enough maturity for our ratings calculations to be meaningful. The 4thWay PLUS Ratings are a measure of both risk and reward. Loanpad has the lowest interest rates (rewards) of… Read more

Invest & Fund Review

Here’s the Invest & Fund review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Invest & Fund Review Invest & Fund is the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance… Invest & Fund Review: their best-rated product This… 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.

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

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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 “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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