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The 4thWay PLUS Ratings assume you spread your money across 6-12 different lending products and hundreds or thousands of loans until they're fully repaid by the borrowers, and focus on your overall returns across all loans and P2P lending sites, not individual performances. The ratings are based on interest rates and a forecast of the risk of borrowers not repaying their entire debts. There are other risks. It's your responsibility to ensure you understand all the risks before you lend.

Showing 2 IFISAs, sorted by best PLUS Rating first, then by Risk Score and finally by interest rate.

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IFISA

RiskScore
Interest AfterBad Debts
Description
Get Details

Development And Property-Secured Business Loans
4thWay Unrated
Too little info provided
History too small
N/A
10.78%
£10m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
£10m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
IFISA


Development And Property-Secured Business Loans
4thWay® PLUSRating
4thWay Unrated
Too little info provided
History too small
RiskScore
Interest AfterBad Debts
10.78%
Description
£10m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
Get Details
 
BLEND Network Quick Expert Review: interest rates look attractive, but more time required to test this service

BLEND Network has completed £10 million since 2017. We have not been provided with any…

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Business & Property Loans. AVAILABLE IN AN IFISA
4thWay Unrated
Unreliable info provided
N/A
7.66%
£29m since 2015 in business loans, including revenue loans, with auto-lend & early exit. Available in an IFISA
IFISA


Business & Property Loans. AVAILABLE IN AN IFISA
4thWay® PLUSRating
4thWay Unrated
Unreliable info provided
RiskScore
Interest AfterBad Debts
7.66%
Description
Get Details
We earn commission from this peer-to-peer lending website and it doesn't affect our impartiality. See details below table.
 
Crowd2Fund Quick Expert Review: fine early results; interesting model for finding prime borrowers

Crowd2Fund, which started in 2015, is still small, barely hitting eight figures in lending, but it is growing rapidly…

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1
Most items in our comparison tables are updated at least monthly with some items updated daily, weekly or monthly. 4thWay® PLUS Ratings and 4thWay® Risk Scores are updated roughly every six months. Sources: 4thWay® and the peer-to-peer lending companies.

Impartial. Accurate. Expert. Checked by users like you.

Commission and impartial research: you can compare IFISAs above for free. Some IFISA providers above compensate us when you open accounts. Read How We Earn Money Fairly with Your Help. Accuracy: a panel of 4thWay’s users, chosen by yourselves, checks we’re being 100% candid. Click on the checkboxes and click “Get more details”: to compare over 100 data points. All P2P lending IFISAs are eligible be listed here if the IFISA providers give 4thWay and lenders enough information to assess them properly.

Before clicking “Get more details”, use the checkboxes at the end of each comparison result, so that you can get much more detail on rates, risks, costs and unique options. You can select up to five results to compare in detail.

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Are you sure?

You haven’t selected low-risk options only, so you might see some pretty risky options in this list.

Pay attention to the calculated 4thWay® Risk Ratings.

If you think of the risk of making a permanent loss as zero for a savings account, a 4thWay® Risk Rating of 1 is very low risk, while a rating of 50 is risky.

Ensure you get more than enough interest to compensate for riskier options.

Better yet, select low-risk options only from the filters list.

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Low risk, not no risk

While you’re much more likely to preserve your wealth with P2P lending than with savings accounts or cash ISAs, the safest P2P lending still comes with a very small additional risk of losing some money, and you might not be able to get your money back swiftly at all times.

If this is a problem for you, a top savings account is more appropriate for you.

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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.

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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.

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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.

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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.

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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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