Testimonials

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You can read testimonials about 4thWay we have received from both 4thWay users and the industry below, and, further down the page, many of the hundreds of 4thWay's national press appearances.

Testimonials about 4thWay

“very comprehensive and excellent”

Susan Mahy, 4thWay® user

“Really useful information, thank you.”

Alison Foreman through facebook

 “Just thought I'd drop you guys a message – love your site and the advice you give.”

Pete Harper, 4thWay® user

“Firstly can I say what a great job I think you are doing with your website service I’ve found it an invaluable guide through the plethora of P2P platforms out there. Please Please keep it up. Your independence of appraisal is priceless NEVER underestimate its value as it’s the main reason I appreciate your service so highly. I’d pay for it if that becomes the only way you could survive.

“I’m gushing , must stop, anyhow …”

Dan Coehlo, 4thWay® user

“I like your site”

Jim Walls, 4thWay® user

“Very useful…Keep up the good work!”

Tony Staw, 4thWay® user

“Good start for P2P newcomers.”

P2P Independent Forum user

“I use your company's website, which I find very comprehensive and well built, to review p2p companies before deciding on lending any major amount.”

P2P Independent Forum user

“heres a good site that compares p2p.”

Moneysavingexpert Review

“Before you make a date, do some background checks. How to assess your peer-to-peer platform, featuring @P2P4thWay”

March Shoffman, The Times

“I love the website.”

Paul Crayston, MarketInvoice

“Good for a breakdown on how each platform operates and their perceived risk.”

Moneysavingexpert Review

“Just a quick email to say that I liked your website: easy to use, interesting, informative and well researched. More as if designed by human beings than most comparison websites.”

Bernard Fogarty, 4thWay® user

“I do think the Panel of Peers is a good idea.”

P2P Independent Forum user

“As a smallish private investor who approves of the P2P model your website is really useful.”

Graham Spittle, 4thWay® user

“The loans feed is brilliant and very convenient.”

Scott, 4thWay® user

“Congratulations on the success of 4thWay.”

Louis Alexander, Director, The Bridgecrowd

“Good luck with your venture…your website looks quite impressive.”

P2P Independent Forum user

“Success with your website. It's a useful resource.”

P2P Independent Forum user

“I’m impressed by 4thWay's product.”

Rhydian Lewis, CEO, RateSetter

“I like the site, there’s a lot of comparison engines out there for borrowers, but the lending side of the equation is grossly underserviced.”

Adam Knotts, rebuildingsociety.com

“A great resource for those looking to learn more about the peer to peer lending market.”

Michéal Breslin, lendingcrowd

“There’s huge value to what your site provides”

Filip Karadaghi, founder, LandlordInvest

“I'm quite an avid reader of 4th way.”

Alexander Cardona, MarketInvoice

“Thanks for the useful website.”

Kevin Digweed, 4thWay® user

“Really like the website, thanks for all you do to inform investors.”

Laurence Samuels, 4thWay® user

“Down to Earth.”

Melwin Mehta, fund manager

“i do appreciate the work of 4th Way!”

Paul Newman, former fund manager and hedge fund manager

“Very good work”

Rito Haldar, founder, Unbolted

4thWay “pulls no punches, so expect candid reporting and trustworthy results”

SIPPclub Review

“4thWay have a good opportunity to set a benchmarking standard for the performance analysis of p2p lending industry.”

Daniel Rajkumar, CEO, rebuildingsociety.com

“Excellent website. Thanks for a genuinely insightful service.”

Simon Warner, 4thWay® user

“Your website is very informative…I like what you guys do.”

Scott, 4thWay® user

“Looks as though you're doing a great job for us alternative investors.”

Margaret Nicholls, 4thWay® user

“A real expert in this area”

Ed Bowsher, Senior Analyst at Share Radio

“I really like your website: really looks great.”

Frederic Waldteufel, 4thWay® user

“The site is very helpful and I get the impression it’s the best at comparing P2P businesses.”

Ian Tait, 4thWay® user

“very helpful comparison”

Alan Wilkinson, 4thWay® user

“This is working well for me, thanks.”

Steve Hayes, 4thWay® user

“PS Great website, I find it very useful”

Josh Richardson, 4thWay® user

“After finding your website in the summer I diversified some of my savings into a few of the P2P companies shown on your comparison table (very helpful!)”

Norman Pugsley, 4thWay® user

“I really enjoy reading what you have to say/write on P2P. Keep up the good work”

Jon Wicks, 4thWay® user

“I am really impressed with 4th Way. I find it extremely useful and am, indeed, an avid reader of your newsletters”

Anon, a 4thWay reader

“I have used your website a lot over the past few years. It has helped me choose which P2P companies to invest with, and when to withdraw funds”

Richard Bradshaw, 4thWay® user

“I just came across your website, it looks very informative.”

Lisa Hatton, 4thWay® user

“Thank you for the continuing rich content, all my P2P lending is geared from your site.”

William Banham, 4thWay® user

“I have been impressed with 4th way p2p analysis. Thank you for your very informative w/site”

David Korson, 4thWay® user

“I think your website is very helpful. Well done.”

S Smith, 4thWay® user

“Keep up the good work!”

Martin Dell, 4thWay® user

“Still very much value the insight that you guys provide.”

Scott, 4thWay® user

“I have found your website and candid articles very useful in expanding my P2P portfolio…Thanks again for your articles and analysis, much appreciated.”

John Bennett, 4thWay® user

“I must just say how much I've appreciated your website as I've gone about educating myself in the area of investing over the past few months.”

Greg Owens, 4thWay® user

“Great job that you do.”

Ivan Goh, 4thWay® user

“As someone who benefits from your in depth analysis…thanks for an excellent site.”

Mark Aldrich, 4thWay® user

“I find your website and email updates really helpful so keep up the good work – it's appreciated!”

Dave Stokes, 4thWay® user

“Your site contains very useful information. Thank you!”

Slav Paleolog, 4thWay® user

“I love the website and find the information invaluable for investing in P2P companies.”

Victor Ellis, 4thWay® user

“I enjoy accessing your comparison website: it is very informative.”

Rob West, 4thWay® user

“I’d just like to compliment you on your excellent website as it’s been a helpful resource for me as I’m sure many others before me, on starting with P2P investments.”

David Bradshaw, 4thWay® user

“Thank you for a very informative website.”

Jane Carter, 4thWay® user

“Keep up the good work.”

Ken Hogg, 4thWay® user

“I find your site very helpful.”

Alan John, 4thWay® user

“It’s a great site yours. I appreciate your work.”

Nigel Cooper, 4thWay® user

“I like your website and the sound advice you offer”

Neil Ford,  4thWay® user

“I do, indeed, value the opinions of 4thWay and have always found your team very helpful.”

Susan Mahy, 4thWay® user

“I find their analyses very useful in assessing the risk/return/ of different platforms and how they operate.”

Jane Carter, 4thWay® user

“Very useful independent view without the emotional claptrap often written on public forums.”

Graham Spittle, 4thWay® user

“It is very useful to have an impartial website to help sort through the various peer-to-peer websites.”

Tony Staw, 4thWay® user

“Very helpful thanks…I found 4thWay to be an indispensable introduction and source of expert review for the budding p2p investor, thanks for all your work.”

Alan Wilkinson, 4thWay® user

“This website has been extremely helpful in giving unbiased and clear advice on this new and growing marketplace. KEEP UP THE GOOD WORK!”

David Cockerton, 4thWay® user

“As always finding the website very useful.”

Mark Aldrich, 4thWay® user

4thWay in the national press

4thWay's Neil Faulkner is frequently called upon by the media for TV, radio or newspaper commentary. Here are some of his appearances:

Daily Telegraph: Fears as Peer-to-Peer Loans Start To Sink.

The Financial Times: Warning over property peer-to-peer defaults.

Daily Express: Get creative to make the most of your savings.

Daily Express: Fortune Favours Brave Savers But Beware Of Risks.

Daily Telegraph: Abundance peer-to-peer investors fear for future of £3.9m green energy project.

The Times: Look To Your Peers If You Want Better Returns.

Daily Telegraph: ‘I Started With £500, Now I Have A Year's Salary In Peer-to-Peer Loans'.

Moneywise: Could You Become An Innovative Finance ISA Millionaire?

Daily Telegraph: Deadline Day: Are Any Of These 40 ‘Peer-to-Peer' Isas Worth Your Cash?

Metro: Early Bird Catches The Worm…ISAs.

Express: ISAs 2018: Innovative Finance Isas Now Offer A Real Alternative For Savers.

The Sunday Times: Isa Guide: Are Peer-to-Peer Loans Smart Investments?

Daily Mirror: New ISA Offers Savers 6% Returns On Their Money – So What's The Catch?

Shares Magazine: Weighing up the risks of P2P lending.

Daily Telegraph: Peer-to-Peer lending: Is It Too Late To Profit?

Daily Telegraph: Peer-to-Peer Savings Warning: Easy Access Accounts At Risk.

Daily Mirror: New ISAs offering 8.7% interest launch this week.

Daily Telegraph: Peer-to-peer savers still denied Isa tax-breaks – nine months after they were promised them.

The Times: Lending to strangers is still a good deal, despite the risks.

Peer-to-Peer Finance News: 2016: P2P's Record Year.

Share Radio: 2017 P2P Outlook.

Peer-to-Peer Finance News: P2P to “explode” in 2017, but some platforms may close.

Crowdfundinsider: 4thWay Predicts UK P2P Lending Market to Grow Up to 50% in Coming Year.

Peer-to-Peer Finance News: 23 firms now approved to offer IFISAs.

Your Money: Peer-to-peer lending could net you 7%: five tips to get started.

Daily Telegraph: Mini-bond firm may not survive, auditor warns.

Peer-to-Peer Finance News: Overcoming inflation.

Moneywise: Getting started in peer-to-peer lending.

Crowdfundinsider: Report: UK P2P Property Lending Delivers Returns from 2.25% to 12.7%.

Moneywise: Maximising the benefits of peer-to-peer lending.

Moneywise: Understanding the risks of peer-to-peer lending.

Moneywise: Five reasons to consider peer-to-peer lending.

The Telegraph: Peer-to-peer Isa to be launched ‘within weeks' after first major platform gets go-ahead.

The Telegraph: Peer-to-peer: how can I get 8pc for the least risk?

The Times: Savings schemes that offer more than your bank.

Share Radio: 4thWay PLUS Ratings.

The Telegraph: Cash, peer-to-peer, shares and bonds: the income portfolio that makes 4pc.

NZ Herald: Diana Clement: Do your homework before you lend.

The Telegraph: Peer-to-peer lenders ‘break advertising rules', regulator warns.

Crowdfundinsider: P2P Lending Research Firm 4th Way Rates UK Platforms.

Share Radio: Pros And Cons Of P2P Lending.

Which? Money Investor: Peer-to-Peer Lending.

The Times: Before you make a date, do some background checks.

Share Radio: Risks and Attractions Of Peer-to-Peer Lending.

Mirror Online: New Ways To Clear Your Debt For Less.

Daily Express: Savers ready to take a risk by ditching cash for stocks and shares.

Daily Mirror: Are You Smarter Than A Banker?

Daily Express: Five Minute Guide To Borrowing Money From Your Peers.

Equities.com: R.A.B.B.I.T. Report: This UK Startup Could be the Morningstar of Marketplace Lending.

Share Radio: Peer-to-Peer Lending And Taxes.

Share Radio: How To Invest £10,000 In Crowdfunding And Peer-to-Peer Lending.

The Telegraph: This Is What Would Happen To Peer-to-Peer Returns In Another Financial Crisis.

Share Radio: “Crowdfunders” programme, episode 6 (Security and bad-debt provision funds).

The Financial Times: P2P Providers Urged To Come Clean On Fees.

NZ Herald: Investors' Love For Lending Company Fading.

Share Radio: “Crowdfunders” programme, episode 1 (P2P Basics).

The Guardian: Where To Open The Door To The Cheapest Personal Loans.

The Independent: P2P Isas: A Chance To Escape From The Zombie Accounts.

Daily Mirror: New ISAs That Pay At Least Three Times The Interest.

The Big Issue: Can Peer-To-Peer Lending Offer Savers A Better Return Than The Banks.

This Is Money: How The Power Of Sharing Could Help You.

The Financial Times: Peer-to-Peer Body To Ban Institutional “Cherry-Picking”.

BBC TV and Website News: Budget 2015: Will tax-free peer-to-peer lending get the go-ahead?

 

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.

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 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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