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Why Are There So Many Estonian P2P Lending Websites?

There are at least three Estonian P2P lending companies already seeking lenders in the UK. Estonia has just 1.2 million people and yet Spain and many other large countries don’t have many more P2P companies themselves. Why are there already so many P2P lending companies in Estonia relative to its size, why are they seeking… Read more

Which P2P lending company really is the biggest?

We took a look at most of the better-known UK-based P2P lending companies to see which is currently the biggest. The answer is: it depends how you measure it. Many of them claim to be biggest in one way or another. Size is not everything, as RateSetter points out. However, bigger P2P lending companies can create more… Read more

RateSetter Receives Financial Times Award

RateSetter, the biggest consumer loans P2P lending Company when measured by monthly lending, has been awarded Best Peer-to-Peer Lender at the Wealth Management Awards, which is run by the Financial Times and the Investors Chronicle. The awards aim to help investors (including lenders) to find the best wealth Managers. RateSetter is a P2P lending company that selects… Read more

Earn 12% Interest as Soon as You Bid with EstateGuru

EstateGuru, the property P2P lending website focusing solely on properties in Estonia, has become the second P2P lending Company to pay interest even if your money is not currently being lent out. In an announcement to lenders, the company wrote: “We are implementing [a] bonus interest programme starting from bidding to compensate you for your… Read more

Zopa’s New Anti-Fraud Measures

Zopa, the P2P lending company focusing on consumer loans, is now using the same system as international passport control to check for borrowing fraud automatically in seconds, according to its new support partner. Through its partner AU10TIX, Zopa can now check scanned copies of passports more quickly and effectively, and can better identify poorer-quality photos…. Read more

eMoneyUnion really DOES Do P2P Homeowner Loans

Update: eMoneyUnion is now JustUs. It appears there has been some confusion both in the press and at the financial regulator as to whether eMoneyUnion is a property lender itself or a P2P company that matches loans for individual lenders. However, the Financial Conduct Authority has recently confirmed its legitimacy, so the eMoneyUnion homeowner loan transaction on 2nd Septenber was… Read more

Greed and Fear in P2P Lending

P2P lending is an investment and all investments go through cycles. It doesn’t matter what you invest in, be it shares, property or something else, all of them are driven up and down by supply-and-demand, greed and fear. It’s the last two that cause huge bubbles and big crashes. Investing in P2P loans is not likely… Read more

Landbay Joins the P2P Finance Association

Landbay, the buy-to-let mortgage P2P lending company, has just joined the Peer-to-Peer Finance Association (P2PFA). The P2PFA sets minimum standards for all its members, including: Setting high standards in vetting borrowers. This does not mean they cannot arrange high-interest, high-risk loans, but it does mean they need to conduct an appropriately comprehensive assessment to ensure that… Read more

Detailed Research Report into Wellesley & Co.

We don’t intend to use our Candid Opinion blogs to brag about what we’re up to. But if it was another company producing high-quality research, we would inform you about it either in our news articles or in our candid blogs. However, it’s us setting the standard in P2P lending research. Our first 4thWay® Insight… Read more

Zopa: From a Barn to £670 Million

Giles Andrews, CEO and co-founder of Zopa, a consumer loans P2P lending company, was at the recent LendIt conference. His presentation, called “Born in a Barn“, showed just how far the world’s first P2P lending company has come. In ist ninth year, it has lent £250 million. Zopa’s bad-debt provision fund has easily covered all losses… 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

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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 “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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