Monefit SmartSaver
Consumer7.5-10.5% Returns
Pros
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Cons
- Not regulated
- Single loan originator
Verdict
Best platform for beginners. Very user-friendly and reliable payments.
Find Your Perfect P2P Platform
Independent comparison of European P2P lending platforms with fiscal calculator.
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Platform Comparison (23)
Sponsored placements, when present, are explicitly disclosed. Sponsorship may influence only a platform's position in the comparison table, never the platform's rating, review verdict, or editorial evaluation.
| Category | Reg | Bonus | Register | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consumer | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Register |
| Nectaro | Consumer | 14.9% | 6/10 | None | 1.0% Cashback First 30 days • Max 200€ | €10 | Register |
| PeerBerry | Consumer | 11% | 2/10 | ECSP | Up to 1.0% VIP VIP Loyalty Program | €10 | Register |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | 25€ Fixed Bonus Min €1500 • 30 days | €50 | Register |
| Esketit | Consumer | 12-14% | 8/10 | None | 0.5%-1.0% Cashback First 90 days • Gold/Platinum status | €10 | Register |
| Afranga | Business | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Register |
| InRento | Real Estate | ~12% | 2/10 | Lithuanian CB | 20€ Fixed Bonus First project • Min €500 | €100 | Register |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Up to 5.5% Cashback Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€ | €100 | Register |
| Triple Dragon | Gaming | 14% | 6/10 | None | Up to 3.0% Cashback 1% (60 days) + 2% extra campaign | €50 | Register |
| Lendermarket | Consumer | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Register |
| Maclear | Business | up to 15% | 3/10 | ECSP | 15€ + Loyalty Points Invest €50 within 7 days | €50 | Register |
| Modena | Consumer | 8.5-11% | 2/10 | Regulated | — | €50 | Register |
| Viainvest | Consumer | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Register |
| Income Marketplace | Consumer | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Register |
| Ventus Energy | Energy | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Register |
| LANDE | Agricultural | up to 14% | 6/10 | None | +3% First investment | €50 | Register |
| Debitum | Business | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Register |
| Bondora | Consumer | 6.75% | 1/10 | Regulated | 5€ + Up to 200€ Welcome bonus • 90 days no-withdrawal | €1 | Register |
| Revest | Real Estate | up to 13% | 5/10 | None | — | €0 | Register |
| SAVY | Consumer | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Register |
| Letsinvest | Real Estate | up to 12% | 5/10 | ECSP | — | €100 | Register |
| Bondster | Consumer | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Register |
| Asterra Estate | Real Estate | up to 14% | 6/10 | None | — | €100 | Register |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC First investment | €100 | Register |
Monefit SmartSaver
Consumer
❌
Returns
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
5€ instant + 0.5% cashback (90 days)
Mintos
Multi-Asset
✅
Returns
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Fixed Bonus
Min €1500 • 30 days
Min €1500 • 30 days
PeerBerry
Consumer
✅
Returns
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
Up to 1.0% VIP
VIP Loyalty Program
VIP Loyalty Program
Esketit
Consumer
❌
Returns
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
0.5%-1.0% Cashback
First 90 days • Gold/Platinum status
First 90 days • Gold/Platinum status
Nectaro
Consumer
❌
Returns
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days • Max 200€
First 30 days • Max 200€
Afranga
Business
✅
Returns
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Returns
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Fixed Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Returns
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Up to 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Gaming
❌
Returns
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
Up to 3.0% Cashback
1% (60 days) + 2% extra campaign
1% (60 days) + 2% extra campaign
Lendermarket
Consumer
❌
Returns
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Returns
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + Loyalty Points
Invest €50 within 7 days
Invest €50 within 7 days
Modena
Consumer
✅
Returns
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Viainvest
Consumer
✅
Returns
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
Auto-invest only • First quarter
Auto-invest only • First quarter
Income Marketplace
Consumer
❌
Returns
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Returns
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
+1.0% Interest Boost
Extra yield on green investments
Extra yield on green investments
LANDE
Agricultural
❌
Returns
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
+3%
First investment
First investment
Debitum
Business
✅
Returns
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Perpetual loyalty boost by tier
Bondora
Consumer
✅
Returns
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ + Up to 200€
Welcome bonus • 90 days no-withdrawal
Welcome bonus • 90 days no-withdrawal
Revest
Real Estate
❌
Returns
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
SAVY
Consumer
✅
Returns
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Returns
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Returns
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Returns
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
🎁 Bonuses & Promotions
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
25€ Fixed Bonus
Min €1500 • 30 days
PeerBerry
Up to 1.0% VIP
VIP Loyalty Program
Esketit
0.5%-1.0% Cashback
First 90 days • Gold/Platinum status
Nectaro
1.0% Cashback
First 30 days • Max 200€
Afranga
0.5% Cashback
First 90 days
InRento
20€ Fixed Bonus
First project • Min €500
Indemo
Up to 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Up to 3.0% Cashback
1% (60 days) + 2% extra campaign
Lendermarket
10€ + 1.0% Cashback
First 90 days
Maclear
15€ + Loyalty Points
Invest €50 within 7 days
Modena
No bonuses currently available
Viainvest
1.0% Cashback
Auto-invest only • First quarter
Income Marketplace
1.0% Cashback
First 30 days
Ventus Energy
+1.0% Interest Boost
Extra yield on green investments
LANDE
+3%
First investment
Debitum
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Bondora
5€ + Up to 200€
Welcome bonus • 90 days no-withdrawal
Revest
No bonuses currently available
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
No bonuses currently available
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
No bonuses currently available
8lends
30 USDC
First investment
Crypto platforms: check individual listings above for available bonuses.
📝 Platform Reviews
Detailed analysis of each platform based on my personal experience.
Mintos
Multi-Asset~12% Returns
Pros
- Largest platform
- Regulated
- €20K protection
- Many loan types
Cons
- Complex for beginners
- Past defaults
Verdict
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Consumer11% Returns
Pros
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Cons
- Lower returns
- Limited loan types
Verdict
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Consumer12-14% Returns
Pros
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Cons
- Not regulated
- High risk
Verdict
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Consumer14.9% Returns
Pros
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Cons
- New platform (2023)
- Not regulated
- Limited track record
Verdict
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Business14.75% Returns
Pros
- High returns
- ECSP regulated
- Business loans
- Good track record
Cons
- Bulgarian focus
- Less known
Verdict
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Real Estate~12% Returns
Pros
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Cons
- Longer lock-in
- Limited availability
Verdict
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Returns
Pros
- NPL investing unique
- High returns
- Regulated
- Collateralized
Cons
- Complex for beginners
- Longer lock-in
Verdict
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Gaming14% Returns
Pros
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Cons
- Not regulated
- Niche market
Verdict
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Consumer~14% Returns
Pros
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Cons
- Not regulated
- Limited transparency
Verdict
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Businessup to 15% Returns
Pros
- Regulated
- Business loans
- Up to 15%
- Transparent
Cons
- Newer platform
- Limited track record
Verdict
Newer regulated platform with business loans. Good transparency and potential.
Modena
Consumer8.5-11% Returns
Pros
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Cons
- Lower returns
- Limited loan types
Verdict
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Consumer~11.8% Returns
Pros
- Regulated
- Steady returns
- Auto-invest
- Buyback
Cons
- Limited diversification
- Latvian focus
Verdict
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Consumer~13% Returns
Pros
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Cons
- Not regulated
- Newer platform
Verdict
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energy6-12% Returns
Pros
- Green energy
- Unique niche
- Sustainability
- Diversification
Cons
- Not regulated
- High risk
- Variable returns
Verdict
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Agriculturalup to 14% Returns
Pros
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Cons
- Not regulated
- Seasonal risk
Verdict
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Business~10% Returns
Pros
- Regulated
- Business loans
- Diversified originators
- Solid track record
Cons
- Lower returns
- Less exciting
Verdict
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Consumer6.75% Returns
Pros
- Go and Grow
- Regulated
- Very simple
- Long track record
Cons
- Lowest returns
- Limited control
Verdict
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Real Estateup to 13% Returns
Pros
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Cons
- Not regulated
- Newer platform
- Limited track record
Verdict
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Consumerup to 13% Returns
Pros
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Cons
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Verdict
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Letsinvest
Real Estateup to 12% Returns
Pros
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Cons
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Verdict
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Consumerup to 14% Returns
Pros
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Cons
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Verdict
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
Asterra Estate
Real Estateup to 14% Returns
Pros
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Cons
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Verdict
Interesting higher-yield property platform for diversification, but it should be treated as a more speculative real-estate allocation rather than a core low-risk holding.
🚀 Roadmap & Improvements
Mobile App
Native iOS/Android app for on-the-go portfolio tracking.
Portfolio Tracker Active
Real-time sync with platforms to monitor returns.
Smart Alerts
Notifications for new opportunities and platform updates.
⚠️ Risk Warning
Investing in P2P lending platforms entails risks, including the risk of partial or total loss of the money invested. Your investment is not covered by deposit guarantee schemes under Directive 2014/49/EU, nor by investor compensation schemes under Directive 1997/9/EC. You may not receive any return on your investment. This is not a savings product and we advise you not to invest more than 10% of your net worth. This is not financial advice. In accordance with Regulation (EU) 2020/1503.
👋 About Me
Francesco from Italy, passionate about alternative investments and the democratization of finance.
I personally test every platform I recommend, investing my own money to understand the real user experience, risks, and returns.
— Francesco