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LendingCrowd Update On COVID-19 13th March 2020

By LendingCrowd. Amid the ongoing coronavirus (Covid-19) outbreak, LendingCrowd stands ready to help our valued community of borrowers and lenders. With the stock market experiencing volatility in recent days, it is important to remember that LendingCrowd only lends to British businesses that have been carefully assessed for affordability by our expert team. Returns from lending… Read more

Zopa Review – An Analyst’s Review Of Zopa For Investors

This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review The oldest peer-to-peer lending website shows its maturity in its results. Full Zopa review: starting with Zopa news Turning to what’s new in… Read more

CapitalRise Review

Here’s the CapitalRise review from one of 4thWay’s experts: 4thWay’s Quick Expert CapitalRise Review Will be surprised if this one isn’t a good’un CapitalRise is available to sophisticated/wealthy investors only So to use it you need to have: Invested in an unlisted company in the past 12 months (such as through crowdfunding websites). Or you need an… Read more

Why FSCS Protection Matters In P2P Lending

The FCA recently suspended a regulated financial business due to weak controls against money laundering, leaving up to one million account holders unable to access their money. The suspended company, called ePayments Systems Limited, has nothing to do with the peer-to-peer lending industry. But it serves as a good example about how FSCS can be… Read more

The Peer-To-Peer IFISA Guide

We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? An IFISA allows you to lend up to £20,000 per tax year (which… Read more

Who Can Invest In Peer-To-Peer Lending?

Peer-to-peer lending (including P2P IFISAs) is classified as one of the safer alternative investments, which is why it’s available to all who wish to invest by lending directly to other people, businesses and property owners. But, since it’s still a relatively new form of investing, the Financial Conduct Authority wants to encourage most lenders to… Read more

How To Easily Qualify As A Self-Certified Sophisticated Investor To Lend Freely Through Any P2P Lending Website

Most peer-to-peer lending websites and IFISA providers allow anyone to lend. If you’re a beginner, they want you to commit not to lend more than 10% of your savings and investment pot across all your P2P loans. If you want to lend more than that, get yourself upgraded to the status of self-certified sophisticated investor…. Read more

4thWay’s 8 Top IFISA Picks

Neil Faulkner, 4thWay’s co-founder and Head of Research, has picked his top eight IFISA picks, based on his assessment of the risks and rewards. They include: Five selections that are easy to use and are good for both entry-level and expert-level investors. Five selections that are lending to borrowers that have real property (real estate)… Read more

How To Pass Assetz Capital’s Appropriateness Tests

Assetz Capital* has some good questions and additional information in its appropriateness test that are worth reading properly, but I think some additional information from 4thWay will be useful for your education! I’ll get to how to pass the test shortly, but firstly… Who can lend through Assetz Capital? Assetz Capital is available to all… Read more

How To Pass The Seedrs Appropriateness Test

Seedrs has nothing to do with P2P lending, because it is the far higher risk startup crowdfunding. It therefore doesn’t usually show up on 4thWay. However, for ordinary lenders in P2P to upgrade to the status “sophisticated investor”, you sometimes need a few pounds’ worth of experience investing in unlisted companies. That means companies that… 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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