Find Your Perfect P2P Platform

Independent comparison of 18 European P2P lending and crowdfunding platforms. Risk analysis, returns, and honest reviews.

Platforms

Regulated

6-15%

Returns

Platform Comparison

Platform	Category	Return	Risk	Complexity	Past Issues
⭐ Monefit SmartSaver	Consumer	7.5-10.5%	🟢 Low	Simple	✓ No issues	Register
Mintos	Multi-Asset	~12%	🟡 Medium	Advanced	⚠️ 17+ originator defaults 2020	Register
PeerBerry	Consumer	11%	🟢 Low	Simple	⚠️ Ukraine delays (99% recovered)	Register
Esketit	Consumer	12-14%	🔴 High	Medium	⚠️ Partners exited, liquidity issues	Register
🏆 Nectaro	Consumer	14.9%	🟡 Medium	Simple	✓ No issues	Register
Afranga	Business	10-16%	🟡 Medium	Medium	✓ No issues	Register
🏠 InRento	Real Estate	~12%	🟢 Low	Medium	✓ No issues	Register
Indemo	NPL	15-18%	🟡 Medium	Advanced	✓ No issues	Register
🎮 Triple Dragon	Gaming	14%	🟡 Medium	Advanced	✓ No issues	Register
Lendermarket	Consumer	~14%	🟡 Medium	Simple	⚠️ Pending payments (RESOLVED)	Register
Maclear	Business	up to 15%	🟢 Low	Medium	✓ No issues	Register
Modena	Consumer	8.5-11%	🟢 Low	Simple	✓ No issues	Register
Viainvest	Consumer	~11.8%	🟢 Low	Simple	✓ No issues	Register
Income Marketplace	Consumer	~13%	🟢 Low	Medium	✓ No issues	Register
⚡ Ventus Energy	Energy	6-12%	🔴 High	Advanced	⚠️ Very new platform (2024)	Register
🌾 LANDE	Agricultural	up to 14%	🟡 Medium	Medium	✓ No issues	Register
Debitum	Business	~10%	🟢 Low	Medium	⚠️ Aforti default	Register
Bondora	Consumer	6.75%	🟢 Low	Simple	⚠️ Secondary closed 2025	Register

Risk Level:

🟢 Low🟡 Medium🔴 High

Complexity:

SimpleMediumAdvanced

Detailed Reviews

Monefit SmartSaver

Estonia • Creditstar

⭐ #1

7.5-10.5%returns

ConsumerInstant Withdrawals

Regulation

⚠�� Not Regulated

Creditstar Group (2006). €83M+ returned.

Risk Level

LOW

Single counterparty risk.

Review

Best for beginners. Daily interest, instant withdrawals, simple interface. Backed by profitable Creditstar Group since 2006.

Editor's ChoiceDaily InterestSimple

Mintos

Latvia • Since 2015

5/5

~12%returns

Multi-AssetBonds + ETFs Available

Regulation

✅ MiFID II

€20K compensation. €10B+ funded.

Risk Level

MEDIUM

25% portfolio in recovery. Complex.

Review

Largest EU platform with MiFID II license. Many originator defaults in past but regulated with €20K protection.

MiFID IIPast DefaultsAdvanced

PeerBerry

Croatia • Since 2017

5/5

11%returns

ConsumerSecondary Market NEW!

Regulation

✅ ECSP

Aventus Group. Zero losses.

Risk Level

LOW

99% Ukraine loans recovered.

Review

Zero investor losses. ECSP regulated. Secondary market launched Jan 2026. Ukraine war delays fully recovered.

ECSPZero LossesSimple

Esketit

Croatia • Since 2020

⚠️

12-14%returns

Consumer⚠️ CAUTION

Regulation

❌ Unregulated

Moved to Croatia. Partners left.

Risk Level

HIGH

Liquidity issues. Partners exited.

Review

⚠️ Major issues in 2025. Avafin and Money For Finance exited. Moved to Croatia avoiding regulation.

⚠️ High RiskUnregulatedPartners Left

Nectaro

Latvia • Since 2023

TOP

14.9%returns

Consumer🏆 Top 2025!

Regulation

❌ Unregulated

Dyninno Group. 0% defaults.

Risk Level

MEDIUM

New but excellent performance.

Review

Highest returns 2025 with 14.9% yield and 0% defaults. Simple to use. Portfolio grew 5x.

🏆 Top 20250% DefaultsSimple

Afranga

Bulgaria • ECSP

4.5/5

14.75%returns

BusinessSecondary Coming 2026

Regulation

✅ ECSP

Bulgarian FSC. Lemonway.

Risk Level

MEDIUM

Business loans. No buyback.

Review

ECSP regulated business loans. Secondary market coming 2026.

ECSPBusinessNo Buyback

InRento

Lithuania • Since 2020

4.8/5

~12%returns

Real EstateZero Defaults!

Regulation

✅ Lithuanian CB

Regulated. €72.4M funded.

Risk Level

LOW

First-rank mortgages.

Review

Best for real estate. Buy-to-let properties. ZERO defaults. All projects with first-rank mortgage.

Real EstateZero DefaultsRegulated

Indemo

Latvia • MiFID II

4/5

15-18%returns

NPL€20K Protection

Regulation

✅ MiFID II

Full investment firm license.

Risk Level

MEDIUM

Complex NPL model.

Review

Unique NPL platform for Spanish mortgage securities. High returns but complex. For experienced investors.

MiFID IIComplexAdvanced

Triple Dragon

UK • Since 2016

4.5/5

14%returns

Gaming14% Daily Compound

Regulation

⏳ Q2 2026

<1% bad debt. €50M funded.

Risk Level

MEDIUM

Gaming industry. Niche.

Review

Unique gaming finance. €50M+ funded with <1% bad debt. 14% daily compounding.

Gaming<1% Bad DebtAdvanced

Lendermarket

Ireland • Creditstar

4/5

~14%returns

Consumer✅ Issues RESOLVED

Regulation

❌ Unregulated

Creditstar backing.

Risk Level

MEDIUM

Past issues now resolved.

Review

Had pending payment issues 2022-2024 but now fully resolved. TrustPilot 4.1.

Issues FixedPast ProblemsSimple

Maclear

Switzerland • SRO

4.5/5

up to 15%returns

BusinessSwiss Quality

Regulation

✅ Swiss SRO

FINMA supervised. TrustPilot 4.8.

Risk Level

LOW

Swiss standards. Collateralized.

Review

Swiss regulated with high standards. Business loans with collateral.

SwissCollateralMedium

Modena

Estonia • FSA

4/5

8.5-11%returns

Consumer€50 Minimum

Regulation

✅ Estonian FSA

0.4% defaults. Segregated accounts.

Risk Level

LOW

Regulated. Low defaults.

Review

Estonian FSA regulated with Vault system. Only 0.4% default rate. €50 minimum.

FSA Regulated€50 MinSimple

Viainvest

Latvia • IBF

4.5/5

~11.8%returns

ConsumerConsistent Returns

Regulation

✅ IBF

Investment brokerage. Segregated.

Risk Level

LOW

Regulated. Consistent.

Review

Regulated platform with consistent returns. Segregated investor funds.

IBF RegulatedConsistentSimple

Income Marketplace

Estonia • 2021

4.5/5

~13%returns

Consumer100% Buyback

Regulation

❌ Unregulated

Cash Flow Buffer. Junior Share.

Risk Level

LOW

ALL loans have buyback.

Review

Unique protection: ALL loans have buyback + Cash Flow Buffer + Junior Share.

100% BuybackJunior ShareMedium

Ventus Energy

Latvia • 2024

3.5/5

6-12%returns

Energy⚠️ Very New

Regulation

❌ Unregulated

New platform. Asset-backed.

Risk Level

HIGH

Very new. Limited track record.

Review

⚠️ Very new platform (2024). Renewable energy projects. Higher risk.

Green EnergyVery NewHigh Risk

LANDE

Latvia • Agri

4/5

up to 14%returns

AgriculturalLow LTV 25%

Regulation

❌ Unregulated

Physical collateral.

Risk Level

MEDIUM

No buyback but low LTV.

Review

Unique agricultural niche. Very low LTV 25-50% means strong collateral.

Low LTVCollateralMedium

Debitum

Latvia • Licensed

4/5

~10%returns

BusinessABS Structure

Regulation

✅ Licensed

Latvian license.

Risk Level

LOW

Had Aforti issues.

Review

Regulated with ABS structure. Some past lender issues but handled well.

RegulatedPast IssuesMedium

Bondora

Estonia • 2008

4/5

6.75%returns

ConsumerOldest Platform

Regulation

✅ Licensed

17+ years. Profitable.

Risk Level

LOW

Secondary closed 2025.

Review

Oldest EU P2P (since 2008). Go & Grow 6.75% with daily liquidity.

Since 2008No SecondarySimple

⚠️ Risk Warning

P2P lending and crowdfunding are high-risk investments. You can lose your entire capital. Only invest money you can afford to lose. This is not financial advice.