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P2P lending has consistently earned lenders with sensible strategies a massively inflation beating return, since it came about in 2005. It has done so much more stably than the stock market, which has seen every third year being a loss year for share investors, after investing costs, compared to no down years for P2P lending!
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4thWay regularly publishes 100% original and candid research to help you understand P2P lending better and understand your options better.
Kuflink Update: Bad Debts & How Do Recent Changes Impact Lenders?
We’ve had a loooot of emails from lenders about recent changes at Kuflink*, as well as one or two about bad debts. I’ve finished my investigations into the changes and re-interviewed key people at Kuflink. I’ve also done some preliminary research on bad debts in...
CONTINUE4thWay P2P And Direct Lending Index: Q2 2025
Annualised returns after costs and losses have averaged 7.49%, with no losing months. The graph above is not smoothed but actual results over time. I note that, if all write-offs from bad debts were squashed into the same period of time, it would have meant...
CONTINUEThere’s No Such Thing as “No Lender Fee”
P2P lending costs money for both borrowers and lenders. Because there's no such thing as a free lunch! Firstly, I'll explain how “free” lending actually costs you money, starting with an example from another finance-related industry that all of you should be familiar with, namely...
CONTINUEReview of the month
Loanpad is the core holding for many savers and investors with good reason. Read the full review after our latest half-yearly reassessment from the ground up.
DISCOVER LOANPAD4thWay in the news
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