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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

CapitalRise Review

Here’s the CapitalRise review from one of 4thWay’s experts: 4thWay’s Quick Expert CapitalRise Review Will be surprised if this one isn’t a good’un CapitalRise is available to sophisticated/wealthy investors only So to use it you need to have: Invested in an unlisted company in the past 12 months (such as through crowdfunding websites). Or you need an… Read more

Loanpad Review

Here’s the Loanpad review from one of 4thWay’s specialists: 4thWay’s Quick Expert Loanpad Review Auto-spread your money across loans backed by property 2-3 times greater than the loan size Loanpad Review: their best-rated product This account has been paying interest after bad debts. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts or… Read more

What Happened To P2P Lending Companies That Closed?

I’ve taken a new look at what happened to lenders at the different peer-to-peer lending sites that closed or shifted away from the P2P model. The vast majority of closures have been benign for lenders, leading to a profitable return of their money, but there are a few very notable exceptions. Before I get to… Read more

Who Owns The P2P Lending Sites?

For fast-growing startup companies – which includes most P2P lending sites – being profitable isn’t usually the best measure of whether it will succeed. This is especially the case since most of them are not profitable. And you don’t expect them to be. They need and want to grow rapidly and to do so they have… Read more

Octopus Choice Review

Here’s the Octopus Choice review from one of 4thWay’s specialists: 4thWay’s Quick Expert Octopus Choice Review Offers something different that could add to your current P2P lending. Established in 2016, lenders using Octopus Choice have lent  to property borrowers. It’s part of the Octopus Investments group, which manages £6 billions pounds-worth of investments and has been… Read more

Best Innovative Finance ISAs In 2021

What are the best Innovative Finance ISAs? I have pulled out all of the IFISAs on the market that meet very high standards and have extremely good prospects for lenders. In selecting the best Innovative Finance ISAs in 2021 – or indeed in any year – I want to see excellent historical results, strict standards when… Read more

How Useful Are Borrower Guarantees In Peer-To-Peer Lending?

Borrowers provide personal and even corporate guarantees to say that their own personal or other business assets, including cash and their residences, can potentially be called upon to pay off a business debt. The business debt might be a small business loan or a property loan, such as a property-development loan or a residential buy-to-let… Read more

RateSetter Review – Investment Analysis By 4thWay

4thWay’s RateSetter Review RateSetter is sold to Metro Bank and repays all lenders with a profit RateSetter itself was sold to Metro Bank in 2020 and was no longer available to new lending. In early 2021, RateSetter’s P2P loans were sold to Metro Bank. All lenders in RateSetter made a profit on their lending since… Read more

Sourced Capital Review

One of 4thWay’s specialists has written a Sourced Capital Review, summarising the key points. It will probably take 10-12 minutes to read the whole thing. 4thWay’s Quick Expert Sourced Capital Review Tight core lending standards temper its short history, although less sales talk and more substantial information is needed over the coming months. What 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

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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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