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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.
4thWay P2P And Direct Lending Index: Q1 2026
Online direct lending, including P2P lending, had its worst month in its history in January 2026, with investors losing money overall for the first time For the first time since the 4thWay PADL Index started in July 2014, lenders lost money overall over the course...
CONTINUETesting Housemartin’s Sector Resilience
Edits on 15th May 2026: since publishing this on 30th April, several important additions and corrections have been added below. Until the end of May, those changes will all show in bold. Do you want the good news or the bad news first? Right, the...
CONTINUEWhich P2P Lending Sites Are Profitable?
History has shown so far that when P2P lending sites close, most of them continue to disburse to lenders their loan repayments and interest without large blips. They wind down gradually until everything is repaid. (Although, as usual, you can suffer losses from bad debts...
CONTINUEReview of the month
Lending to landlords is a type of lending with instrinsically lower risk compared to most P2P property lending. But does Proplend do it well?
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