Kuflink Review
Kuflink’s Auto-Invest 2 Year Account received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest. Visit Kuflink* or keep reading the Kuflink Review.
How Does Peer-to-Peer Lending Tax Work?
When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. You can also open specific peer-to-peer lending accounts, called IFISAs, which are always free of income tax…
What Do We Make Of The P2P Lending Companies’ Wind-Down Plans?
Sometimes P2P lending companies close down or shift away from being P2P businesses. When they do, you want to see loans repaid in an orderly fashion. That’s why they have plans for this scenario in advance. These plans are intended to make it highly probable…
Press Release: P2P And Online Direct Lending Returned 5 x More Than Savings Over 10 Years
Investors in peer-to-peer lending and other online direct lending have more than doubled their money in 10 years, while cash ISA savers grew their pots by just one-fifth. Cash ISA savers failed to keep up with inflation, while online lenders comfortably outpaced it. Returns on…
HNW Lending Loses Major Court Case
Update on 20/11/2024: HNW Lending has informed me that it will appeal the court decision outlined below. Specifically, Ben Shaw says: “Despite the dramatic headline, the judge did find in HNW’s favour on nearly every issue in contention. For example, the judge stated that despite…
HNW Lending Review
While the review is suspended pending update, see HNW Lending Loses Major Court Case.
LandlordInvest Winding Down – Brief Thoughts
Just brief thoughts on this new story. LandlordInvest is apparently winding down at the insistence of the FCA, which appears, according to brief reports from Alternative Credit Investor, to have issues with its CEO, Filip Karadaghi, who has been forced to step down. We have…
4thWay P2P And Direct Lending Index: September 2024
The 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years since start of the index, annualised returns after costs have been…
What is Peer-to-Peer Lending?
Here’s an overview of how you can earn an income and make money by helping others escape the banks through peer-to-peer lending. You open an online account with one or more peer-to-peer lending companies, and then you can lend money to people or businesses, including property owners….
4thWay’s 10 P2P Investing Principles
Peer-to-peer lending is on average relatively low risk compared to the stock market and it is relatively easy to assess compared to picking shares – provided you arm yourself with knowledge. But it’s still, most definitely, an investment. This means carelessness, greed, panic, pride, fear…
How One Lender Is Losing Money – A Lesson In P2P Lending Diversification
This guide page is to: Describe to you just how incredibly powerful it is to spread your money across lots of high-quality loans. Offer guidance on how much diversification you need. Give you tips on how to go about doing that and how to lower…
Is Peer-to-Peer Lending Safe For Lenders?
The process of money lending has been very profitable for thousands of years, even before computers and credit reports. There have been credit-reference agencies since the mid-1800s. From then onwards, it has become increasingly easy to assess borrowers and decide what interest rates to charge…
4-Step Strategy to Safe Peer-to-Peer Lending
Safe peer-to-peer lending is not as risky as the stock market. Not by a long shot. On average! However, as with the stock market, the risks in P2P lending are not uniform. Some lenders will lose a lot of money over the next half century, simply…
4thWay P2P And Direct Lending Index: August 2024
The 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years since start of the index, annualised returns after costs have been…
4thWay P2P And Direct Lending Index: 10-Year Performance
As of 30th June, 2024 The new 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) was launched in August 2024. It enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years…
How’s It Going With Invest & Fund, Loanpad And CapitalRise?
Invest & Fund lending slowed, but should pick up again 4thWay’s specialists conducted a full reassessment on Invest & Fund this month. There’s nothing at all to report on the risk-reward balance, which remains solid. This update is more about a slow down in lending…
Kuflink: Why New Lending Rates?
There are some items that we pay close attention to at 4thWay. For example, we have often described some of the signs we look for that a P2P lending provider is kicking the can of bad debt down the road to hide its actual performance….
Loanpad Review
Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest after zero bad debts. Visit Loanpad* or keep reading the Loanpad Review.
CapitalRise Review
CapitalRise’s Bridging & Development Loans have earned the Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around interest after bad debts. Visit CapitalRise* or keep reading the CapitalRise Review.
The Remarkable Long-Term Performance Of P2P Lending
4thWay has long collated more data on peer-to-peer lending than probably anyone else, stretching back to the very first P2P loan ever made. And now, we have sufficient data from a large enough number of important P2P lending providers to start accurately tracking performance. So…
Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
*Stock-market comparison is based on FTSE 100 total returns (i.e. dividends reinvested), after estimated wrapper and fund costs, fees and expenses of 1%, which is conservative compared to most share investors’ frictional costs.
