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2015: Great Returns on Peer-to-Peer Lending

Now is a very attractive time for peer-to-peer lending with interest rates well above where they should be for the risks involved. Why is 2015 such a good year? While borrowers are being quick to get on board for the lower rates and better terms, lenders, on the other hand, are being slower to accept… Read more

Earn 6.1% Interest Through Lending Works

Lending Works has made itself even more attractive to lenders by ramping up its interest rates. It has pushed up its three-year rate from 4% to 4.3% and its five-year rate from 5.5% to 6.1%. The five-year rate is now the best of all the peer-to-peer lending companies that are both dead easy to use and… Read more

High-Rate Loans From rebuildingsociety This Week

Here are the latest high-rate loans that are open for you to bid on from rebuildingsociety, the P2P lending company that finances riskier loans to businesses. B grade loan to heat treatment company Update: this loan has been extended to 15 January due to the owner suffering some difficult personal news. A company that does… Read more

Funding Circle’s High-Grade, High Rate Loans

You can lend money to businesses through Funding Circle graded by the peer-to-peer lending company as “A+” – its highest grade. Although Funding Circle conservatively estimates that 0.6% of these loans will go unpaid each year, not even 20 A+ loans have gone bad in the four years that this P2P company has been operating. Average annual… Read more

Why Wellesley & Co. is Safe Even During a Crash

I wanted to know just what kind of disaster lenders like you and me could survive when we lend our money through property peer-to-peer lending company Wellesley & Co.* so I put it to a severe test with big property price falls and lots of borrowers failing to repay. Wellesley’s record so far But, first, a re-cap… Read more

The Biggest Risk in P2P Lending

There’s one risk that is completely ignored by many financial institutions. Dangerously for savers and investors, this blinkered vision filters through to financial and news websites, and even to professionals who should know better. This risk is such a huge risk for people saving in savings accounts that most savers are almost guaranteed to see… Read more

P2P Lending Through A Pension

I totally missed the potential of this when the news broke a few weeks ago. Proplend, the property P2P lending company, announced that we can now lend through it in a pension wrapper. At first I thought you, me and most people were automatically excluded, much like with Thin Cats. That’s because this option is just… Read more

How Funding Circle Lenders Will Survive A Terrible Economy

The oldest business and property P2P lending company has checked out how us lenders would come out of an economic disaster. Funding Circle asked Hymans Robertson, an external consultancy, to conduct the same “stress tests” on it as the banks have been required to do by the Prudential Regulation Authority since the Great Financial Crisis of 2008. The stress… Read more

13% Loans Secured on Yachts From FundingSecure

Through FundingSecure, you can lend against high-value items from yachts to luxury watches and fine art. The pawnbroking P2P lending company takes possession of the items in advance and it can sell them if the borrower doesn’t pay up. It doesn’t lend more than 70% of the lowest valuation for each item. Nearly £3 million has been lent through… Read more

Funding Circle’s Christmas Cashback Loans

Funding Circle is currently returning cashback to lenders, taken out of the borrowers’ fees, in a few select loan auctions. The loans are listed as A+, which is Funding Circle’s highest borrower grade. Although Funding Circle conservatively estimates that 0.6% of these loans will go unpaid each year, barely a dozen A+ loans out of… 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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