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Lend for a Month or Year and Earn 6%

New P2P lending company Fruitful launched quietly a couple of weeks ago to “invited” lenders with a promise of a minimum of 5% above Bank of England base rate. It currently pays 6%. When Fruitful becomes more widely available, it will provide protection to your savings by lending to borrowers seeking commercial mortgages. These will… Read more

P2P Lending Standards Must Be Maintained

In a recent report for Landbay, Andrew Hagger of MoneyComms set out his concerns for the P2P lending industry and for individual lenders as the industry grows, as well as his solution: “It’s vital that robust risk management procedures are maintained as the sector expands. “With rapid expansion for the sector on the cards it’s important… Read more

The Safest P2P Lending Company

Andrew Hagger of MoneyComms, formerly a spokesperson for Moneyfacts, has written a report into P2P lending, commissioned by Landbay. Hagger set out his views on the sort of P2P lending companies you should lend through if you’re new to P2P lending, and which specific companies fit the bill: “If I was asked to choose a provider for a less experienced… Read more

One Borrower Grading System to Rule Them All

I wrote this morning* about the latest news from European personal loans P2P lending company Bondora, which UK lenders can use to lend to borrowers in other countries. In a moment I’ll share my thoughts on Bondora’s changes and there’ll be a dark interlude into doctors killing patients, insanity and financial theory, which is all more closely related… Read more

Bondora Makes it Easy to Compare Borrowers Across Europe

Bondora, the European personal loans P2P lending company, has devised a system to make it easier for lenders in the UK or elsewhere to compare the risks of lending across Europe, including in countries with far higher interest rates. To do this it will soon being showing standardised borrower grades across national boundaries. Pärtel Tomberg, chief executive… Read more

5 Ways to Spread Your Risks When There Aren’t Enough Loans

It’s all very well us telling you to spread your risk – diversify – across dozens or hundreds of loans, but what if a P2P lending company you’re interested in doesn’t have enough loans? Other than walking away, I think you have five choices: 1. Spread your risk by investing over several weeks, rather than… Read more

Funding Circle Shows How to Sell Loan Parts Quickly

Funding Circle, the oldest and largest business and property P2P lending company in the UK, has conducted analysis on how well lenders are able to sell their loan parts to other lenders when they want to get out early. Selling business loan parts Roughly 70% of Business loan parts that individual lenders put up for… Read more

Lending Works Joins P2P Benchmark Index

Lending Works has been added to the 4thWay® P2P Forecast Returns Index, which shows current average expected returns in P2P lending. Lending Works is a small but rapidly growing P2P lending company that is transparent on its rates, so we have been able to swiftly add it to the benchmark, shortly after we started it…. Read more

£50 John Lewis Vouchers for Landbay Lenders

Landbay, a buy-to-let property P2P lending company, is giving one £50 John Lewis voucher to lenders for every £2,000 lent between now and Friday 19th December, provided you commit to a loan or loans of 12 months or longer. The Christmas offer is available to both new and existing customers and customers will receive their voucher within 28… Read more

Funding Circle Loans That Offer Cashback

Funding Circle is currently returning cashback to lenders, taken out of the borrowers’ fees, in the following loan auctions: A+, residential property development loan for 16 months in Cheshire Offering 1.5% cashback. The auction will be over by 10am on Wednesday 10 December at the latest. This is an 8% interest-rate loan, which will be 7% after… 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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