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P2PRadar – Uafhængig sammenligning med skatteberegner.

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Platformssammenligning (25)

Kategori Udlånsmodel Reg Registrer
#1
Lonvest Redaktionens valgPartner
Forbruger • EUR
 Forbruger Egen udlån 9-13% 56/100 None Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €50 Registrer
#2
InRento
Fast Ejendom • LT • EUR
 Fast Ejendom Markedsplads ~12% 89/100 ECSP — €100 Registrer
#3
Letsinvest
Fast Ejendom • EUR
 Fast Ejendom Markedsplads up to 12% 84/100 ECSP — €100 Registrer
#4
LANDE
Landbrug • EUR
 Landbrug Markedsplads up to 14% 77/100 ECSP Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €50 Registrer
#5
PeerBerry
Forbruger • EUR
 Forbruger Blandet 11% 77/100 None Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €10 Registrer
#6
Indemo
NPL • EUR
 NPL Markedsplads 15-18% 76/100 MiFID II 25€ Fast Bonus
Henvisnings-/partnerlink • invester mindst 1.000 € inden for 60 dage efter registrering og behold i 30 dage • investeringskredit på 25 € (kan ikke hæves direkte)		 €100 Registrer
#7
Crowdpear
Fast Ejendom • EUR
 Fast Ejendom Markedsplads ~10.58% 75/100 ECSP 20€ Fast 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		 €100 Registrer
#8
Income Marketplace
Forbruger • EUR
 Forbruger Markedsplads ~13% 70/100 None 1% Cashback
Partner-link offer • 1% bonus interest on investments during the first 30 days • min €10, max €500 bonus • credited after 40 days		 €10 Registrer
#9
Go & Grow (ex Bondora)
Forbruger • EE • EUR
 Forbruger Egen udlån ~6% 69/100 National Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €1 Registrer
#10
Mintos
Multi-Asset • LV • EUR
 Multi-Asset Markedsplads ~12% 69/100 MiFID II Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €50 Registrer
#11
Nectaro
Forbruger • LV • EUR
 Forbruger Markedsplads 14.9% 68/100 MiFID II 1% Newbies Cashback
Kvalificeret henvisnings-/partnerlink • investér mindst 300 € i Notes i de første 30 dage • 1 % cashback af den gennemsnitlige daglige investerede saldo • udbetales senest den 15. i den følgende måned		 €50 Registrer
#12
Afranga
Erhverv • BG • EUR
 Erhverv Blandet 14.75% 66/100 ECSP 10€ Fast Bonus
Kampagnekode P2PRADAR ved tilmelding • 10 € kun til nye tilmeldinger • bonussen skal investeres inden for en fastsat periode, ellers tages den tilbage • kan ikke hæves som kontanter		 €10 Registrer
#13
Digilo
Fast Ejendom • LV • EUR
 Fast Ejendom Markedsplads 9-12% 66/100 ECSP 1% Cashback
1% henvisningscashback på investeringer på det primære marked i de første 60 dage • Begge parter		 €150 Registrer
#14
Modena
Forbruger • EUR
 Forbruger Egen udlån 8.5-11% 63/100 National 25€ Fast Bonus + Op til 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		 €50 Registrer
#15
Lendermarket
Forbruger • EUR
 Forbruger Blandet ~14% 60/100 ECSP 75€ Fast 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		 €10 Registrer
⚠️ Zone med kapitalrisiko Herfra øger en kort eller uprøvet historik, usikkerhed om inddrivelse eller likviditet, modpartskoncentration eller svagere ledelse væsentligt risikoen for kapitaltab. Behandl platformene nedenfor som spekulative allokationer.
#16
SAVY
Forbruger • EUR
 Forbruger Egen udlån up to 13% 56/100 ECSP 1% Cashback
Referral programme • 1% of investments during the first 3 months • maximum €1,000		 €10 Registrer
#17
Triple Dragon
Gaming • EUR
 Gaming Egen udlån 14% 56/100 None 1% Cashback
Referral link • manual investment within 60 days • 1% for both investors		 €50 Registrer
#18
Viainvest
Forbruger • EUR
 Forbruger Egen udlån ~11.8% 51/100 MiFID II Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €10 Registrer
#19
Revest
Forbruger • EUR
 Forbruger Egen udlån 13.5-16% 46/100 None Op til 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%)		 €10 Registrer
#20
Debitum
Erhverv • EUR
 Erhverv Markedsplads ~10% 44/100 MiFID II 20€ + Op til 2% Loyalty
Referral link • €20 each after €1,000 invested within 30 days of KYC/SAQ approval • loyalty boost up to 2% by tier		 €50 Registrer
#21
Monefit SmartSaver
Forbruger • EE • EUR
 Forbruger Egen udlån 7.5-10.5% 32/100 None 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		 €5 Registrer
#22
Mypeak.finance
Erhverv • EUR
 Erhverv Egen udlån up to 16% 27/100 None Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €1 Registrer
#23
Millea
Erhverv • EUR
 Erhverv Egen udlån 13-14% 25/100 None Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €1000 Registrer
#24
FF Forest
Landbrug • EUR
 Landbrug Egen udlån up to 18% 18/100 None Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud		 €500 Registrer
#25
Asterra Estate
Fast Ejendom • EUR
 Fast Ejendom Egen udlån up to 14% 15/100 None 1% Cashback
Referral programme • both accounts get 1% of the amount lent • the friend must make a manual loan within 90 days of registration		 €100 Registrer
#1
Lonvest
Redaktionens valgPartner
Consumer
None
Afkast
9-13%
Evidens-DD
56/100
Buyback
❌
Min Inv.
€50
Udlånsmodel
Egen udlån
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#2
InRento
Real Estate
ECSP
Afkast
~12%
Evidens-DD
89/100
Buyback
❌
Min Inv.
€100
Udlånsmodel
Markedsplads
Registrer
#3
Letsinvest
Real Estate
ECSP
Afkast
up to 12%
Evidens-DD
84/100
Buyback
❌
Min Inv.
€100
Udlånsmodel
Markedsplads
Registrer
#4
LANDE
Agricultural
ECSP
Afkast
up to 14%
Evidens-DD
77/100
Buyback
❌
Min Inv.
€50
Udlånsmodel
Markedsplads
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#5
PeerBerry
Consumer
None
Afkast
11%
Evidens-DD
77/100
Buyback
❌
Min Inv.
€10
Udlånsmodel
Blandet
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#6
Indemo
NPL
MiFID II
Afkast
15-18%
Evidens-DD
76/100
Buyback
❌
Min Inv.
€100
Udlånsmodel
Markedsplads
Bonus
25€ Fast Bonus
Henvisnings-/partnerlink • invester mindst 1.000 € inden for 60 dage efter registrering og behold i 30 dage • investeringskredit på 25 € (kan ikke hæves direkte)
Registrer
#7
Crowdpear
Real Estate
ECSP
Afkast
~10.58%
Evidens-DD
75/100
Buyback
❌
Min Inv.
€100
Udlånsmodel
Markedsplads
Bonus
20€ Fast 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
Registrer
#8
Income Marketplace
Consumer
None
Afkast
~13%
Evidens-DD
70/100
Buyback
❌
Min Inv.
€10
Udlånsmodel
Markedsplads
Bonus
1% Cashback
Partner-link offer • 1% bonus interest on investments during the first 30 days • min €10, max €500 bonus • credited after 40 days
Registrer
#9
Go & Grow (ex Bondora)
Consumer
National
Afkast
~6%
Evidens-DD
69/100
Buyback
❌
Min Inv.
€1
Udlånsmodel
Egen udlån
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#10
Mintos
Multi-Asset
MiFID II
Afkast
~12%
Evidens-DD
69/100
Buyback
❌
Min Inv.
€50
Udlånsmodel
Markedsplads
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#11
Nectaro
Consumer
MiFID II
Afkast
14.9%
Evidens-DD
68/100
Buyback
❌
Min Inv.
€50
Udlånsmodel
Markedsplads
Bonus
1% Newbies Cashback
Kvalificeret henvisnings-/partnerlink • investér mindst 300 € i Notes i de første 30 dage • 1 % cashback af den gennemsnitlige daglige investerede saldo • udbetales senest den 15. i den følgende måned
Registrer
#12
Afranga
Business
ECSP
Afkast
14.75%
Evidens-DD
66/100
Buyback
❌
Min Inv.
€10
Udlånsmodel
Blandet
Bonus
10€ Fast Bonus
Kampagnekode P2PRADAR ved tilmelding • 10 € kun til nye tilmeldinger • bonussen skal investeres inden for en fastsat periode, ellers tages den tilbage • kan ikke hæves som kontanter
Registrer
#13
Digilo
Real Estate
ECSP
Afkast
9-12%
Evidens-DD
66/100
Buyback
❌
Min Inv.
€150
Udlånsmodel
Markedsplads
Bonus
1% Cashback
1% henvisningscashback på investeringer på det primære marked i de første 60 dage • Begge parter
Registrer
#14
Modena
Consumer
National
Afkast
8.5-11%
Evidens-DD
63/100
Buyback
❌
Min Inv.
€50
Udlånsmodel
Egen udlån
Bonus
25€ Fast Bonus + Op til 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
Registrer
#15
Lendermarket
Consumer
ECSP
Afkast
~14%
Evidens-DD
60/100
Buyback
❌
Min Inv.
€10
Udlånsmodel
Blandet
Bonus
75€ Fast 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
Registrer
⚠️ Zone med kapitalrisiko Herfra øger en kort eller uprøvet historik, usikkerhed om inddrivelse eller likviditet, modpartskoncentration eller svagere ledelse væsentligt risikoen for kapitaltab. Behandl platformene nedenfor som spekulative allokationer.
#16
SAVY
Consumer
ECSP
Afkast
up to 13%
Evidens-DD
56/100
Buyback
❌
Min Inv.
€10
Udlånsmodel
Egen udlån
Bonus
1% Cashback
Referral programme • 1% of investments during the first 3 months • maximum €1,000
Registrer
#17
Triple Dragon
Gaming
None
Afkast
14%
Evidens-DD
56/100
Buyback
❌
Min Inv.
€50
Udlånsmodel
Egen udlån
Bonus
1% Cashback
Referral link • manual investment within 60 days • 1% for both investors
Registrer
#18
Viainvest
Consumer
MiFID II
Afkast
~11.8%
Evidens-DD
51/100
Buyback
❌
Min Inv.
€10
Udlånsmodel
Egen udlån
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#19
Revest
Consumer
None
Afkast
13.5-16%
Evidens-DD
46/100
Buyback
✅
Min Inv.
€10
Udlånsmodel
Egen udlån
Bonus
Op til 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%)
Registrer
#20
Debitum
Business
MiFID II
Afkast
~10%
Evidens-DD
44/100
Buyback
❌
Min Inv.
€50
Udlånsmodel
Markedsplads
Bonus
20€ + Op til 2% Loyalty
Referral link • €20 each after €1,000 invested within 30 days of KYC/SAQ approval • loyalty boost up to 2% by tier
Registrer
#21
Monefit SmartSaver
Consumer
None
Afkast
7.5-10.5%
Evidens-DD
32/100
Buyback
❌
Min Inv.
€5
Udlånsmodel
Egen udlån
Bonus
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
Registrer
#22
Mypeak.finance
Business
None
Afkast
up to 16%
Evidens-DD
27/100
Buyback
❌
Min Inv.
€1
Udlånsmodel
Egen udlån
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#23
Millea
Business
None
Afkast
13-14%
Evidens-DD
25/100
Buyback
❌
Min Inv.
€1000
Udlånsmodel
Egen udlån
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#24
FF Forest
Agricultural
None
Afkast
up to 18%
Evidens-DD
18/100
Buyback
❌
Min Inv.
€500
Udlånsmodel
Egen udlån
Bonus
Tjek her
Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud
Registrer
#25
Asterra Estate
Real Estate
None
Afkast
up to 14%
Evidens-DD
15/100
Buyback
❌
Min Inv.
€100
Udlånsmodel
Egen udlån
Bonus
1% Cashback
Referral programme • both accounts get 1% of the amount lent • the friend must make a manual loan within 90 days of registration
Registrer

Ordliste

Hvad etiketterne i tabellen betyder.

Udlånsmodel

Egen udlån
Platformens egen koncern udlåner eller opretter de tilbudte lån (ved kryptoprodukter driver den selv protokollen). Du er afhængig af én koncern som både långiver og platform.
Markedsplads
Investeringerne kommer fra flere uafhængige långivere, låntagere eller projekter.
Blandet
Platformen kombinerer egen eller koncernintern udlån med eksterne långivere eller projekter.

Reguleringstype

ECSP
European Crowdfunding Service Provider: godkendt af en national tilsynsmyndighed efter EU-forordning 2020/1503. Skal give investorer standardiseret risikoinformation og offentliggøre misligholdelsesrater. Garanterer ikke tilbagebetaling.
MiFID II
Godkendt som investeringsselskab efter EU-direktivet MiFID II og under tilsyn af en national myndighed. Regler om beskyttelse af kunders aktiver gælder, og en erstatningsordning kan træde i kraft, hvis selskabet ikke returnerer aktiver; den dækker ikke tab på lånene.
National
Den udlånende enhed er under national tilsyn (f.eks. som godkendt kreditgiver), men investorproduktet har hverken ECSP- eller MiFID II-tilladelse.
None
I de officielle registre blev der ikke fundet nogen ECSP-, MiFID II- eller national tilladelse til investorproduktet. Medlemskab af en hvidvasktilsynsorganisation er ikke en investeringslicens. Fravær i et register beviser ikke noget ulovligt, men ingen tilsynsmyndighed kontrollerer platformens rapportering.

Reguleringsstatus kontrolleres mod den officielle ECSP-liste og nationale tilsynsmyndigheders registre. En etiket er ikke en sikkerhedsgaranti.

Kapitalallokering

P2P virker bedst som 10% af porteføljen. Kernekapital behøver mere.

Brug P2P som satelliteksponering med højt afkast, og flyt overskud ud før risiko bygger sig op. Hold resten af kapitalen der, hvor seriøse investorer bygger langsigtede positioner: reguleret broker, ETF-kerne, CFD-værktøjer ved behov.

10% P2P-del til afkast, diversificering og platformstest.
Overskud Hæv gevinster regelmæssigt i stedet for at lade alt være eksponeret mod lån- og platformrisiko.
Core Placér hovedkapital hos broker bygget til ETF-porteføljer og CFD-adgang.
Find broker på Brokerfind →

Brokerfind er mit andet projekt: jeg har bygget og driver det. Det tjener provision via affiliate-links til mæglere. Affiliate-forhold & monetisering

Bonusser

💳 Lonvest
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
📊 Lendermarket
75€ Fast 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

Få Bonus
💶 Revest
Op til 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%)

Få Bonus
🔷 Debitum
20€ + Op til 2% Loyalty

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

Få Bonus
💎 Modena
25€ Fast Bonus + Op til 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

Få Bonus
₿ 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

Få Bonus
⚡ Indemo
25€ Fast Bonus

Henvisnings-/partnerlink • invester mindst 1.000 € inden for 60 dage efter registrering og behold i 30 dage • investeringskredit på 25 € (kan ikke hæves direkte)

Få Bonus
🍐 Crowdpear
20€ Fast 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

Få Bonus
💼 Afranga
10€ Fast Bonus

Kampagnekode P2PRADAR ved tilmelding • 10 € kun til nye tilmeldinger • bonussen skal investeres inden for en fastsat periode, ellers tages den tilbage • kan ikke hæves som kontanter

Få Bonus
🏘️ 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

Få Bonus
🏠 Digilo
1% Cashback

1% henvisningscashback på investeringer på det primære marked i de første 60 dage • Begge parter

Få Bonus
💵 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

Få Bonus
🏆 Nectaro
1% Newbies Cashback

Kvalificeret henvisnings-/partnerlink • investér mindst 300 € i Notes i de første 30 dage • 1 % cashback af den gennemsnitlige daglige investerede saldo • udbetales senest den 15. i den følgende måned

Få Bonus
🛡️ SAVY
1% Cashback

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

Få Bonus
🎮 Triple Dragon
1% Cashback

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

Få Bonus
⭐ 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

Få Bonus
🌲 FF Forest
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
🟠 Go & Grow (ex Bondora)
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
🌾 LANDE
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
🛒 Millea
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
🌐 Mintos
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
🏔️ Mypeak.finance
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
🫐 PeerBerry
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
📈 Viainvest
Tjek her

Aktuelle vilkår er ikke bekræftet for vores link • tjek platformens bonusside for det gældende tilbud

Tjek her
Ξ EtherFi
Ingen bonusser tilgængelige i øjeblikket
🏠 InRento
Ingen bonusser tilgængelige i øjeblikket
🏗️ Letsinvest
Ingen bonusser tilgængelige i øjeblikket

Krypto-platforme: tjek de individuelle opslag ovenfor for tilgængelige bonusser.

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.

    Last verified · 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 ()
    • 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) () ; P2P Empire, Maclear review (page updated 19 October 2026), for the membership (, 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) (, third-party report)

    Last verified · Request a correction

  • Ventus Energy: German and Austrian regulators acted against its deposit-taking business in 2026.

    Last verified · 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” ()
    • 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) (, third-party report)

    The author of P2PRadar holds money on Esketit. See where the author holds money.

    Last verified · 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 ()
    • 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 ()
    • 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” ()

    Last verified · 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.

    Not related to Revest, which P2PRadar lists.

    Last verified · 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.

Platformanmeldelser

Detaljeret analyse baseret på min personlige erfaring.

Lonvest

Forbruger
9-13% Afkast
Ureguleret HIGH

Fordele

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

Ulemper

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

Vurdering

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.

Registrer → Lonvest

Nectaro

Forbruger
14.9% Afkast
MiFID II · Latvijas Banka MEDIUM

Fordele

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

Ulemper

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

Vurdering

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.

Registrer → Nectaro

Mintos

Multi-Asset
~12% Afkast
MiFID II · Latvijas Banka MEDIUM

Fordele

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

Ulemper

  • Complex for beginners
  • Past originator defaults and long recoveries

Vurdering

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.

Registrer → Mintos

PeerBerry

Forbruger
11% Afkast
Ureguleret MEDIUM

Fordele

  • 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

Ulemper

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

Vurdering

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.

Registrer → PeerBerry

Mypeak.finance

Erhverv
up to 16% Afkast
Ureguleret HIGH

Fordele

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

Ulemper

  • Not regulated
  • New platform
  • Limited track record
  • Tourism-sector concentration

Vurdering

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.

Registrer → Mypeak.finance

Afranga

Erhverv
14.75% Afkast
ECSP · Bulgaria FSC HIGH

Fordele

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

Ulemper

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

Vurdering

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.

Registrer → Afranga

Modena

Forbruger
8.5-11% Afkast
National · Estonian FSA HIGH

Fordele

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

Ulemper

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

Vurdering

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.

Registrer → Modena

SAVY

Forbruger
up to 13% Afkast
ECSP · Bank of Lithuania HIGH

Fordele

  • Long operating history
  • ECSP-licensed local operator
  • Consumer loans diversification
  • Auto-invest available

Ulemper

  • Lithuanian market concentration
  • Consumer-credit cyclicality
  • Less passive than cash-style products

Vurdering

Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.

Registrer → SAVY

Letsinvest

Fast Ejendom
up to 12% Afkast
ECSP · Bank of Lithuania MEDIUM

Fordele

  • Real-estate backed focus
  • Regulated crowdfunding profile
  • Project-by-project transparency
  • Accessible entry ticket

Ulemper

  • Property-market liquidity risk
  • Project pipeline can vary
  • Capital can stay locked until exit

Vurdering

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.

Registrer → Letsinvest

Asterra Estate

Fast Ejendom
up to 14% Afkast
Ureguleret HIGH

Fordele

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

Ulemper

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

Vurdering

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.

Registrer → Asterra Estate

FF Forest

Landbrug
up to 18% Afkast
Ureguleret HIGH

Fordele

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

Ulemper

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

Vurdering

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.

Registrer → FF Forest

⚠️ Risikoadvarsel

At investere i P2P-udlånsplatforme indebærer risici, herunder risikoen for delvist eller totalt tab af det investerede kapital. Din investering er ikke dækket af indskudsgarantiordninger i henhold til direktiv 2014/49/EU eller investorgarantiordninger i henhold til direktiv 1997/9/EF. Du modtager muligvis intet afkast. Dette er ikke et opsparingsprodukt, og vi anbefaler, at du ikke investerer mere end 10 % af din nettoformue. Dette er ikke finansiel rådgivning. I henhold til forordning (EU) 2020/1503.

Roadmap og forbedringer
📱

Mobilapp

Native iOS/Android-app til porteføljeovervågning på farten.

📊

Porteføljetracker Aktiv

Synk i realtid med platforme for at følge afkast.

🔔

Smarte alarmer

Notifikationer om nye muligheder og platformopdateringer.

Om Mig — Francesco

Jeg er Francesco Navari, uafhængig investor fra Italien og eneste redaktør af P2PRadar, passioneret for alternative investeringer og demokratiseringen af finansverdenen. Jeg byggede P2PRadar, fordi P2P-sammenligningssider er fulde af marketingløfter og forældede oplysninger, og jeg ville have en kildebaseret sammenligning, der stiller regulering, misligholdelser og inddrivelser foran annoncerede afkast og tilmeldingsbonusser. Sitet tjener affiliate-provision fra nogle af de platforme, det dækker.

Når det er muligt, tester jeg selv de platforme, jeg anbefaler, i nogle tilfælde med egne penge, for at forstå den reelle brugeroplevelse, risici og afkast. De platforme, hvor jeg i øjeblikket har penge, er listet på siden Affiliate-forhold & monetisering.

Støt os

Støt P2PRadar.

P2PRadar er gratis at bruge. Hvis du vil hjælpe, kan du bruge partnerlinkene nedenfor til tjenester, du måske allerede er interesseret i: de koster dig ikke noget ekstra og påvirker aldrig vores rangeringer eller due diligence-score.

Affiliate-links: hvis du tilmelder dig, kan vi modtage en provision uden ekstra omkostninger for dig. Affiliate-forhold & monetisering