Find Your Perfect P2P Platform

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

📊 Lendermarket

75€ Fixed Bonus

Referral link: deposit and invest at least €500 in loans with terms of 90+ days within 30 days of sign-up and keep it invested for 90 days • Both parties

💶 Revest

Up to 6% Cashback

Cashback campaign 5 Oct–30 Nov 2026 • one-off rate by claim term: 0.25% (25 days / 1 month), 1% (3 months), 2% (6 months), 4% (12 months), 6% (24 months) • Instant or Flexible payout • can be combined with Refer-a-Friend (0.5%)

🔷 Debitum

20€ + Up to 2% Loyalty

Referral link • €20 each after €1,000 invested within 30 days of KYC/SAQ approval • loyalty boost up to 2% by tier

💎 Modena

25€ Fixed Bonus + Up to 1% Cashback

New investor • €25 after 90 days if at least €200 remains invested • 1% cashback on investments during the first 120 days • max €1,000 cashback • early withdrawal can reduce or forfeit the reward

₿ 8lends

$30 Welcome Voucher

Welcome: $30 voucher for a first investment of $100+ • paid as a voucher once the principal is returned • Referral: 4% of friends' investments in USD for 45 days

⚡ Indemo

25€ Fixed Bonus

Referral/partner link • invest at least €1,000 within 60 days of registration and keep it for 30 days • €25 investment credit (not directly withdrawable)

🍐 Crowdpear

20€ Fixed Bonus

Referral/partner link • €20 each after the referred investor invests at least €300 within 30 days of registration • Primary Market only • paid 7 days after the conditions are met and invested automatically

💼 Afranga

10€ Fixed Bonus

Promo code P2PRADAR at registration • €10 for new sign-ups only • the bonus must be invested within a set period, otherwise it is taken back • cannot be withdrawn as cash

🏘️ Asterra Estate

1% Cashback

Referral programme • both accounts get 1% of the amount lent • the friend must make a manual loan within 90 days of registration

🏠 Digilo

1% Cashback

1% referral cashback on Primary Market investments during first 60 days • Both parties

💵 Income Marketplace

1% Cashback

Partner-link offer • 1% bonus interest on investments during the first 30 days • min €10, max €500 bonus • credited after 40 days

🏆 Nectaro

1% Newbies Cashback

Eligible referral/partner link • invest at least €300 in Notes during the first 30 days • 1% cashback on the average daily invested balance • paid by the 15th of the following month

🛡️ SAVY

1% Cashback

Referral programme • 1% of investments during the first 3 months • maximum €1,000

🎮 Triple Dragon

1% Cashback

Referral link • manual investment within 60 days • 1% for both investors

⭐ Monefit SmartSaver

0.5% Referral Bonus

Referral/partner link • 0.5% on net investments during the first 90 days after verification • paid on day 91 • special partner campaigns may differ

🌲 FF Forest

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

🟠 Go & Grow (ex Bondora)

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

🌾 LANDE

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

🛒 Millea

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

🌐 Mintos

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

🏔️ Mypeak.finance

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

🫐 PeerBerry

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

📈 Viainvest

Current terms could not be confirmed for our link • check the platform’s bonus page for the live offer

Ξ EtherFi

No bonuses currently available

🏠 InRento

No bonuses currently available

🏗️ Letsinvest

No bonuses currently available

Crypto platforms: check individual listings above for available bonuses.

Hall of Shame Platforms removed from the comparison table. Each entry lists documented facts with dated public sources and the date we last checked them.

Bondster: Several loan originators paid buybacks late or fell into arrears or default; Bondster says recovery is ongoing.
- On 26 October 2023 Bondster reported that buybacks from the originator Right Choice Finance were overdue on part of the loans. It attributed this to a buyback period of 10 days instead of the standard 60 days that was entered in a data import. Bondster, “Information on the payment of buybacks from Right Choice Finance” (26 October 2023)
- Alternative Credit Investor reported on 2 November 2023 that RapiCredit’s buybacks, delayed since a problem Bondster first flagged in June 2022, had been paid in full with interest. Alternative Credit Investor, “Bondster investors awarded 17pc interest after buyback delays” (2 November 2023, third-party report)
- On 30 April 2025 Bondster named RapiCredit, Fenchurch, Huddle Capital, ARVE and Crediface among originators that had defaulted, fallen behind or been delinquent, and said it continues to work on outstanding cases. Bondster, “Consistency Pays Off: Bondster Recovers Millions from Defaulted Loan Originators” (30 April 2025)
- P2P Empire reports that the Kenyan originator Jijenge Credit stopped passing borrower repayments to investors on 8 June 2026 and that Bondster filed a criminal complaint. It also lists Bondster as not regulated and without published financial reports. We could not confirm the Jijenge Credit case in a Bondster statement. P2P Empire, Bondster review (page updated 19 August 2026) (19 August 2026, third-party report)
Last verified 23 October 2026 · Request a correction
Maclear: Warned about by Spain’s securities regulator as unauthorised; in Switzerland it is supervised for anti-money-laundering only.
- On 11 May 2026 Spain’s securities regulator CNMV warned that Maclear AG (maclear.ch) is not authorised to carry on the activities reserved for crowdfunding platforms under Spanish Law 5/2015 and EU Regulation 2020/1503. CNMV, warning on unregistered firms (11 May 2026)
- Maclear is a member of PolyReg, a self-regulatory organisation recognised by the Swiss regulator FINMA. PolyReg states that it supervises compliance with Swiss anti-money-laundering duties, that this supervision does not cover investor protection, and that it exercises no prudential supervision over its members. PolyReg, FAQ (undated page, read 23 October 2026) (23 October 2026) ; P2P Empire, Maclear review (page updated 19 October 2026), for the membership (19 October 2026, third-party report)
- P2P Empire reports that Maclear’s 2024 financial statements were published in June 2026 without an auditor’s opinion, show a net loss of CHF 122,941 and negative equity of CHF 87,026, and that the 2025 statements were still unpublished in October 2026. P2P Empire, Maclear review (page updated 19 October 2026) (19 October 2026, third-party report)
Last verified 23 October 2026 · Request a correction
Ventus Energy: German and Austrian regulators acted against its deposit-taking business in 2026.
- By a notice dated 5 May 2026 Germany’s BaFin ordered Ventus Energy Group OÜ (Tallinn) to stop immediately and wind up deposit-taking from investors in Germany that BaFin considers to require a banking licence, and to repay the funds without delay. BaFin states that the order is immediately enforceable but not yet final. BaFin, “Ventus Energy Group OÜ: Bafin ordnet Einstellung und Abwicklung des Einlagengeschäfts an” (18 May 2026)
- On 24 June 2026 Austria’s FMA warned that Ventus Energy Group OÜ is not authorised to provide banking services requiring a licence in Austria and may not accept funds from others as deposits. FMA, “The FMA warns about offerings by Ventus Energy Group OÜ” (24 June 2026)
Last verified 23 October 2026 · Request a correction
Esketit: Not authorised under ECSP or MiFID II; a 2025 move to a new legal entity restricted liquidity features for investors who stayed with the Irish entity. Listed for regulatory and liquidity reasons, not as a fraud finding.
- On 6 October 2025 Esketit announced the opening of Esketit Croatia. Investors who kept their repayments with Esketit Ireland were to have “limited functionality”: no new claim purchases on the primary or secondary markets, no top-ups and no auto-purchase or cash-out features; withdrawals remained possible. Esketit, “Esketit Croatia: A Stronger Platform for the Future” (6 October 2025)
- P2P Empire states that Esketit is not regulated under MiFID II or the ECSP framework and publishes no financial reports. It reports no non-performing loans on €47.0 million outstanding in October 2026. P2P Empire, Esketit review (page updated 16 September 2026) (16 September 2026, third-party report)
The author of P2PRadar holds money on Esketit. See where the author holds money.

Last verified 23 October 2026 · Request a correction
EstateGuru: Its own published default rates are 13–27% a year for 2023–2025, and recoveries on German and Finnish loans are slow.
- EstateGuru’s statistics page, updated 23 October 2026, shows default rates (calculated as EU Regulation 2020/1503 requires) of 27.45% for 2023, 13.45% for 2024 and 20.14% for 2025. EstateGuru, statistics (23 October 2026)
- The same page reports €974.95 million funded since 2014, €74.41 million recovered from defaulted loans, €22.57 million in recovery and €0.78 million written off. EstateGuru, statistics (23 October 2026)
- On 22 July 2026 EstateGuru said it no longer lends in Germany and Finland and is only recovering existing loans there. It acknowledged capital losses in Germany and attributed slow recoveries to court procedures and low demand for collateral. It also states that it has held an ECSP licence from the Estonian Financial Supervision Authority since 2023. EstateGuru, “Estateguru Loan Recoveries: Mid-2026 Update” (22 July 2026)
Last verified 23 October 2026 · Request a correction
Reinvest24: Warned about by the Estonian and Spanish regulators for crowdfunding without authorisation; reported to be winding down with investor funds in recovery.
- On 29 January 2024 Estonia’s Finantsinspektsioon published a public warning about REINVEST24 OÜ, citing suspected provision of crowdfunding services without authorisation. Finantsinspektsioon, alert “REINVEST24 OÜ” (29 January 2024) ; Finantsinspektsioon, warning notification (PDF) (29 January 2024)
- On 9 June 2025 Spain’s CNMV warned that REINVEST24 OÜ (reinvest24.com) is not authorised to carry on the activities reserved for crowdfunding platforms under Spanish Law 5/2015 and EU Regulation 2020/1503. CNMV warning, published by the Belgian FSMA (PDF) (9 June 2025)
- P2P Empire reports that on 7 March 2026 Reinvest24 said it was focused on recovering funds as the platform winds down, and that its payment provider had closed accounts and temporarily blocked payouts. It lists the full €26.3 million outstanding as non-performing. P2P Empire, Reinvest24 review (page updated 19 August 2026) (19 August 2026, third-party report)
Not related to Revest, which P2PRadar lists.

Last verified 23 October 2026 · Request a correction

These entries report documented facts and third-party reporting. They are not findings of fraud, legal conclusions or investment advice. If you represent a listed company, or can show that a statement is inaccurate or out of date, write to francesco@p2pradar.app with the platform name and a link or document. We review requests and update or remove statements shown to be wrong.

Platform Reviews

Detailed analysis of each platform based on my personal experience.

Lonvest

Consumer

9-13% Returns

Unregulated HIGH

Pros

Short-term consumer loans
Buyback and SpaceCrew guarantee
Auto Invest only, simple to use

Cons

Not regulated
No audited financial statements published
All originators come from one partner (SpaceCrew Finance)
Short operating history (since 2023)

Verdict

Short-term consumer loans originated by partner SpaceCrew Finance, with a reported 100% performing portfolio. It is unregulated, has no audited financials and relies on a single originator, so it fits only a small position. Buyback and the SpaceCrew guarantee are only as strong as the partner itself.

Nectaro

Consumer

14.9% Returns

MiFID II · Latvijas Banka MEDIUM

Pros

MiFID II supervision (Latvijas Banka)
High advertised returns, not guaranteed
Simple to use

Cons

New platform (2023)
MiFID II regulation does not eliminate credit and liquidity risk
Limited track record
Pending-payment balances are not published

Verdict

MiFID II-supervised platform launched in 2023 with a high advertised return. The track record is short and supervision does not remove credit or liquidity risk. If you try it, start with a small amount.

Mintos

Multi-Asset

~12% Returns

MiFID II · Latvijas Banka MEDIUM

Pros

Longest operating record in this list
MiFID II regulated
€20K compensation scheme (not credit losses)
Many loan types and originators

Cons

Complex for beginners
Past originator defaults and long recoveries

Verdict

Long-established, MiFID II-supervised marketplace with many originators and loan types. Past lender failures and multi-year recoveries show that capital can be impaired or illiquid, so spreading across originators matters.

PeerBerry

Consumer

11% Returns

Unregulated MEDIUM

Pros

Reports a fully performing portfolio (platform data)
Buyback obligation from the lending group, only as strong as the group
€10 minimum
Withdrawals free of charge

Cons

Not regulated: no supervisor verifies reporting
Depends on the Aventus ecosystem and partner originators
Limited loan types

Verdict

Unregulated platform that reports a fully performing portfolio and says war-affected exposure was repaid. No supervisor verifies its reporting, and protection relies on buyback from the lending group, not on regulation.

Mypeak.finance

Business

up to 16% Returns

Unregulated HIGH

Pros

Travel-finance niche
High target yields
Low entry threshold
Monthly payouts

Cons

Not regulated
New platform
Limited track record
Tourism-sector concentration

Verdict

Niche mountain-travel financing platform with attractive target yields, but it should be treated as high risk because of its short track record and lack of strong regulation.

Afranga

Business

14.75% Returns

ECSP · Bulgaria FSC HIGH

Pros

High advertised returns, not guaranteed
ECSP regulated (Bulgaria FSC)
Reports a fully performing portfolio (platform data)

Cons

Bulgarian focus
Concentration in a few originators, including related-party receivables
Less established than the largest marketplaces

Verdict

ECSP-licensed platform focused on loans originated in Bulgaria. It reports a fully performing portfolio and advertises high returns, but concentration in Bulgarian consumer originators and related-party receivables weakens diversification.

Modena

Consumer

8.5-11% Returns

National · Estonian FSA HIGH

Pros

Licensed creditor (Estonian FSA)
Automated diversification into loan pools
Reports a fully performing portfolio (operator data)
€50 minimum

Cons

Funds not covered by deposit guarantee
Young investment platform
Discretionary buyback and related-party funding
Limited loan types

Verdict

Estonian licensed creditor (national licence, not ECSP or MiFID II) that reports a fully performing portfolio and an audited 2025 report. The investment platform is young, buyback is discretionary with a 75% principal floor, and funding is related-party. A small satellite allocation at most.

SAVY

Consumer

up to 13% Returns

ECSP · Bank of Lithuania HIGH

Pros

Long operating history
ECSP-licensed 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 Estate

up to 12% Returns

ECSP · Bank of Lithuania MEDIUM

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

Regulated (ECSP) real-estate crowdfunding platform that reports a fully performing portfolio. It suits investors who want asset-backed exposure and can accept project-specific liquidity and execution risk.

Asterra Estate

Real Estate

up to 14% Returns

Unregulated HIGH

Pros

Asset-backed real-estate angle
High target yields, not guaranteed
Simple niche positioning
Diversification beyond consumer loans

Cons

Limited public track record
No strong regulation visible
Real-estate execution risk

Verdict

Higher-yield property platform with a limited public track record and no strong regulation visible. Treat it as a speculative real-estate allocation, not a core low-risk holding.

FF Forest

Agricultural

up to 18% Returns

Unregulated HIGH

Pros

Up to 18% advertised interest, not guaranteed
Loans secured by forest land assets
Buyback arrangement, only as strong as the issuer
Forestry niche

Cons

Not regulated
High minimum (€500)
New platform with limited track record
Illiquid (6-24 month terms)

Verdict

Forestry lending platform backed by Latvian land assets, advertising up to 18%. Treat it as high risk: it is unregulated, has a short track record and its 6-24 month terms are illiquid.