Our ratings have steered peer-to-peer lending investors to outstanding results.
Lending accounts with a 4thWay PLUS Rating have earned lenders with sensible strategies a resoundingly good return every year, while share investors lost money every third year!
4thWay is the word’s first ratings agency for peer-to-peer lending. Founded in 2014. Rated 9.005/10 by our users.
Showing the current interest you’re expected to receive after deducting:
- The P2P lending company’s fees.
- The bad debt that the P2P lending company expects you to incur.
The rate makes no deductions for taxes or for money that is not currently being lent.
Why are some rates shown different to the P2P lending company’s own website?
We convert interest rates to the same calculation so that the comparison is fair. Read more here.
A score of the estimated risk of losses from bad debts in a severe recession/property crash before adding interest earned
A lower score is better. Click on a Risk Score in 4thWay’s comparison table to get more information about how that particular score was awarded or learn more about the 4thWay® Risk Scores.
4thWay® Risk Scores assume you spread your money across lots of loans, using multiple peer-to-peer lending platforms to do so if necessary. They are impartial and conservative, and they are indicators, not guarantees or promises. For use with supplementary research.
Showing a brief description of the P2P lending company.