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Safest P2P Lending Interest Rates Over Christmas

The P2P lending companies pitching themselves as lowest risk and easy-to-use all have the best records – with no lenders losing any money. These companies all have bad-debt provision funds: that’s a pot of money in reserve to pay you back in case a borrower stops paying. They also either focus on very high-quality borrowers… Read more

What Happened to Lenders When These P2P Firms Closed?

With P2P lending company GraduRates closing down gently, I think its appropriate to take a look at the other companies that have gone out of business. Because I don’t want my money disappearing, do you? Let’s see what has happened in these past nine years since P2P lending began: YES-Secure and Quakle The biggest failure… Read more

Landbay Survives Severe Property Crash Stress Test

Landbay* is the first peer-to-peer provider to focus exclusively on mortgages to the buy-to-let sector. In a recent report  entitled “Democratising Mortgage Lending”, commissioned by Landbay and written by Wrigglesworth Consultancy, Wrigglesworth wrote: “To illustrate the robustness of its portfolio of buy-to-let loans we have stress tested it under a range of scenarios. Under the severe… Read more

P2P Lending Company GraduRates to Close Gently

Ratesetter, the low-risk consumer loans p2p lending company, has announced that it is taking over GraduRates‘ loans. GraduRates is a P2P lending company targeting postgraduate borrowers. Full financial regulation is starting next year and so Gradurates has decided to wind down its loan book rather than meet the full requirements. Currently, P2P lending companies are operating under interim permission… Read more

RateSetter Grows Into Business and Property Loans

In a recent blog, Rhydian Lewis explained how his P2P lending company is expanding to lend to more different types of customers. The founder of RateSetter, the largest consumer loans P2P lending company when measure by monthly loans, showed how they have progressed beyond lending to consumers only. Looking at the £260 million-worth of loans outstanding… Read more

This Week’s 16% Loans From rebuildingsociety

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. Update on 21/12/2014: all the loans below are now fullly funded, but you can still under-cut bids from other lenders. Bertinaley Care Limited, business expansion loan, B grade rebuildingsociety’s… Read more

Lenders Should Beware of Perverse Financial Incentives

Around 2004 or 2005, I can’t remember which, dentists suddenly started doing far more fillings and far less root canals. A few years later, German hospitals suddenly started doing lots more caesarean sections than previously. A few years after that, financial advisors in the UK suddenly started advising their clients to put their money in different in… Read more

Property P2P Co. with Zero Losses Lowers Minimum Lending Amount

LendInvest, the largest property P2P lending company, has just reduced its minimum lending amount from £10,000 to £1,000, bringing it into the reach of many more lenders. LendInvest will also soon enable automatic lending and the ability to sell your loan parts to others. In addition, if you’re technically minded, you will be able to… Read more

Financial Advice is Improving

The financial regulator’s review of independent financial advice has shown “early indications” that advice has improved and some of the costs have come down since a major change in how advisors make money. Financial advisors were banned from taking commission from Pension, ISA and other investment providers two years ago for selling their products. Since then, there has been… Read more

Major Report Into Zopa

This is the Candid Opinion blog, and you won’t see research into P2P lending companies anywhere else as that is as candid as in all the 4thWay® Insight Reports. We’ve just published our detailed research report into the oldest P2P lending company in the world: Zopa. Read Zopa’s 4thWay® Insight Report.

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.
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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

×

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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