Compare P2P lending accounts and IFISAs now

Learn More

Click "Learn" to get help

How Is Peer-to-Peer Lending Taxed?

When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. And you can also open specific peer-to-peer lending accounts, called IFISAs, which are always tax free. The online guidance on peer-to-peer lending tax that is available from… Read more

4thWay’s Users Rate Us 9.3/10 – It’s All About Our Results

In a poll of our users, we’re rated 9.3 out of 10! One of the most common forms of feedback we receive is to just keep doing what we’re doing. The results have proven our worth It’s mathematically highly probable that anyone lending for a sensible length of time who has spread their money around… Read more

Funding Circle Reviews By Investors

I have pulled out all the Funding Circle reviews written by investors (lenders) that I can find on TrustPilot and, I don’t mind telling you, it took a very long time. Because online Funding Circle reviews are usually written by borrowers and not lenders. I don’t know how many hundreds – or was it thousands… Read more

Funding Circle Review In 2020 For Investors

4thWay’s Funding Circle Review Key findings for my Funding Circle Review My gut feeling about Funding Circle is sort of positive, but sadly not supported by enough information. With less information now coming from Funding Circle, it’s become a touch too difficult for lenders and independent analysts to assess its performance and ability. This Funding… Read more

Where Can You Buy Or Sell Existing Loans?

See a list of all the peer-to-peer lending secondary markets, how much they cost and whether you can buy and sell loans at a discount or premium. A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because… Read more

The Shortcomings Of Bad-Debt Provision Funds

It is sensible to plan for disaster and one way to do so is to set aside a pot of money to cover losses from bad debts. Several P2P lending websites offer these bad-debt provision funds as part of their defences, such as: Assetz Capital* Growth Street Lending Works* RateSetter Savy Unbolted These pots have… Read more

Is Institutional Lending In Peer-To-Peer Good For You?

“Financial institutions” have increasingly been lending through peer-to-peer lending websites. But what is peer-to-peer institutional lending, how widespread is it, and, the key question: Is institutional lending a good or bad sign for individual lenders doing P2P? I’ll get to that. I must warn you that this is a very big topic. So make sure you’re… Read more

HNW Lending Update On Its Loans During COVID-19

I want to write up my findings from looking at HNW Lending’s most recent data submission to us. This included extra information at our request to highlight any impact on loans due to COVID-19. A quick summary of what HNW Lending does HNW Lending* does bridging lending, which are short-term property loans. Often called a… Read more

Peer-To-Peer Lending Risks – The Big Seven

Peer-to-peer lending risks that might actually lead to losing money can be broadly placed into seven different categories. Here is a list in priority order of the key risks of peer-to-peer lending losses, including P2P IFISAs, and some simple but highly effective ways to reduce those risks. P2P lending risk 1: yourself (psychological risk) When… Read more

Peer-to-Peer Lending Guide: It’s All In Here!

The 4thWay® Peer-to-Peer Lending Guide is the most candid and comprehensive guide of its kind. We’ve broken the guide down into: 1) A few key chapters with what everyone needs to know; 2) Then there’s more detail for those who need it; 3) And then there’s just silly amounts of detail for those of you (ok,… 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.

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 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

×
Back to top