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Good and Bad News for Zopa Lenders

Zopa, the oldest peer-to-peer lending company in the world, has increased its interest rates to 5.1% and 4%, but, at the same time, it has removed its rate promise. Zopa’s rate promise has been assuring lenders for over a year now that they will get a specified minimum interest rate. That’s even if the loans… Read more

New Peer-to-Peer Pawnbroker: Unbolted

Unbolted has just launched. It is the newest peer-to-peer lending company to focus on pawnbroking. The company is regulated by the UK’s Financial Conduct Authority and backed by early investors in Ocado. It is currently not accepting new lenders. It is not unusual for brand new P2P lending companies to build up borrowers first before allowing more lenders… Read more

Assetz Invoice Finance: P2P Lend Against Due Bills

Expected interest rate of 10% to lenders before bad debts. You can lend as little as £1.   Assetz Capital has just released some details of its new business invoice lending venture. The P2P lending company already does business loans, as well as short-term and developer property loans. Lenders have lent £55 million through it in the… Read more

11 Biggest Peer-to-Peer Lending Companies in 2015

AltFi predicts that we will collectively lend close to £3 billion to people and businesses in 2015. That’s twice as much as in 2014. The introduction of tax-free lending through new P2P ISAs might help boost lending even further. Lenders using RateSetter, Funding Circle and Zopa, the three biggest peer-to-peer lending companies, will lend over… Read more

Business Peer-to-Peer Lending in 2015

A common theme in all today’s peer-to-peer lending news articles and blogs on 4thWay has been the see-saw effect: more borrowers make it easier for lenders to lend at better rates while borrowers have to pay more. This encourages more lenders to come, which makes it harder for them to lend at better rates as… Read more

Start Lending Now Before P2P ISAs Arrive

When P2P ISAs arrive, probably this year, we’ll be able to lend tax-free, but a surge in lenders could see interest rates plummet. Here’s how to handle it. What good are P2P ISAs? Currently, when you lend your money through P2P lending websites in return for interest, you have to pay tax on the income… Read more

The Worst and Best Month to Lend

Two factors can impact the best and worst times to lend your money: peak borrowing months and the see-saw that P2P lending companies struggle with to keep borrowers and lenders in reasonable balance. Worst and best month to lend to consumers Kevin Allen of RateSetter has 20 years experience in finance and in risk management… Read more

How the P2P Lending Provision Funds Compare

P2P lending provision funds set aside to reimburse lenders like you and me when loans go bad are of widely different sizes and some pay out sooner than others. How big is your provision fund? Sources: the P2P lending companies and 4thWay® As you can see in the above table, RateSetter and Lending Works* both… Read more

Your P2P Investing Strategy in 2015 and Beyond

Everyone’s always trying to beat the FTSE. I’ve seen several articles in the past few weeks touting shares that will do just that in 2015. The mere existence of the FTSE benchmarks seems to inspire competition for competition’s sake. 4thWay has its own benchmark of P2P lending returns for individual investors too: the 4thWay P2P Forecast Returns Index. You… Read more

Wellesley & Co. Lenders Now Diversify Across 100 Loans

All individual lenders on Wellesley & Co. are now spreading their risks across 100 different loans. The number will likely rise as Wellesley continues to grow. Wellesley has just reached 100 outstanding loans. The property P2P lending company automatically splits all lenders’ money across all loans. It readjusts the split every Friday as loans are paid off and new… 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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