Independent Comparison

Compare P2P LendingPlatforms

Compare returns, fees, and features across Europe's leading P2P lending platforms. Make informed investment decisions with our comprehensive comparison tool.

12 Platforms
Updated Monthly
100% Independent
Showing 12 of 12 platforms

Lendermarket

Medium Risk
3.5

Irish-regulated platform offering loans from Creditstar Group with high returns. Launched 'Lendermarket 2.0' in October 2025 after resolving all outstanding payment issues from 2022-2024.

15%
Avg. Return
10
Min. Investment
2019
Established
Central Bank of Ireland
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalShort-term

Hive5

High Risk
3.5

High-yield P2P marketplace offering returns up to 16% on consumer and business loans. Unregulated platform with 19,000+ investors and €83M+ in funded loans since 2022.

14.7%
Avg. Return
10
Min. Investment
2022
Established
Unregulated
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
BusinessConsumerShort-term

Swaper

Medium Risk
4

Estonian high-yield P2P platform offering 14-16% returns on consumer loans and vehicle leasing. Over €1 billion in total funded volume with 10,000+ investors and 60-day buyback guarantee.

14%
Avg. Return
10
Min. Investment
2016
Established
Estonia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalShort-termVehicle Leasing

Twino

Medium Risk
4

Latvian MiFID II-regulated investment platform offering consumer loan securities with returns of 10-13%. Over €1.1 billion facilitated since 2015, with investor compensation protection up to €20,000.

12%
Avg. Return
10
Min. Investment
2015
Established
National Bank of Latvia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalBusiness

Viainvest

Medium Risk
4.3

Latvian regulated investment platform offering asset-backed securities with consistent 11-12% returns. Voted most popular P2P platform in 2025 with investor protection up to €20,000.

11.8%
Avg. Return
10
Min. Investment
2016
Established
FCMC Latvia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalShort-term

Mintos

Medium Risk
4.2

Europe's largest P2P lending marketplace with 600,000+ investors and over €16 billion in funded loans. Licensed investment firm offering Notes backed by loans from 60+ originators across multiple countries.

11.5%
Avg. Return
50
Min. Investment
2015
Established
FCMC Latvia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalBusinessCarMortgageBonds

Debitum Investments

Medium Risk
4.2

Latvian MiFID II-regulated peer-to-business lending platform specializing in SME financing through asset-backed securities. Achieved first annual profit in 2024 and ranked #2 in 2025 community vote.

11%
Avg. Return
10
Min. Investment
2018
Established
FCMC Latvia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
BusinessInvoiceTrade Finance

PeerBerry

Medium Risk
4.4

One of the most popular European P2P platforms backed by Aventus Group, with 110,000+ investors and zero reported capital losses. Known for strong buyback guarantees and crisis-tested reliability.

11%
Avg. Return
10
Min. Investment
2017
Established
Croatia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalShort-termBusiness

Robocash

Medium Risk
3.8

Automated P2P platform operated by UnaFinancial, offering hands-off investing in short-term consumer loans across Southeast Asia and Europe. Known for simplicity and transparency.

10.5%
Avg. Return
10
Min. Investment
2017
Established
Croatia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalShort-termCommercial

EstateGuru

High Risk
3

European real estate crowdfunding platform offering property-backed loans. Currently facing significant challenges with over 40% of loans delayed and €133M+ in debt collection.

10%
Avg. Return
50
Min. Investment
2014
Established
FCA Estonia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
Real EstateDevelopmentBridge

Iuvo Group

Medium Risk
4

Estonian P2P platform connecting investors with loans from established European loan originators. Record-breaking growth in 2025 with highest ever interest payments and new user registrations.

9.2%
Avg. Return
10
Min. Investment
2016
Established
FCA Estonia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
PersonalCarBusiness

Bondora

Low Risk
4

Estonian fintech pioneer known for its Go & Grow product offering simplified P2P investing with daily liquidity. One of the oldest European P2P platforms, founded in 2008.

6%
Avg. Return
1
Min. Investment
2008
Established
Estonia
Regulation
Auto-Invest
Secondary Market
Buyback Guarantee
Loan Types:
Personal

Why P2P Lending?

Higher Returns

P2P platforms typically offer returns of 8-15%, significantly higher than traditional savings accounts.

Diversification

Spread your investments across hundreds of loans to minimize risk and maximize returns.

Accessibility

Start investing with as little as €1-50, making P2P lending accessible to everyone.