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Uafhængig sammenligning med skatteberegner.

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Platformssammenligning (23)

Kategori Udlånsmodel Reg Registrer
#1
Nectaro
Forbruger • LV • EUR
Forbruger Markedsplads 14.9% 78/100 MiFID II · Latvijas Banka 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
#2
Afranga 4.5/5
Erhverv • BG • EUR
Erhverv Blandet 14.75% 68/100 ECSP 0.5% Cashback
Partner-link offer • 0.5% cashback during the first 90 days
€10 Registrer
#3
InRento 4.8/5
Fast Ejendom • LT • EUR
Fast Ejendom Markedsplads ~12% 89/100 Lithuanian CB Op til 50€ Fast Bonus
20 € i bonus ved en investering på 500 € • 50 € i bonus ved en investering på 1.000 €
€100 Registrer
#4
Letsinvest 4/5
Fast Ejendom • EUR
Fast Ejendom Markedsplads up to 12% 84/100 ECSP €100 Registrer
#5
PeerBerry 5/5
Forbruger • EUR
Forbruger Blandet 11% 80/100 ECSP 0.5% Welcome + Op til 1% Loyalty
Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)
€10 Registrer
#6
LANDE 3.5/5
Landbrug • EUR
Landbrug Markedsplads up to 14% 77/100 None 1% Referral Cashback
Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties
€50 Registrer
#7
Indemo 4/5
NPL • EUR
NPL Markedsplads 15-18% 76/100 Regulated 25€ Fast Bonus
Henvisnings-/partnerlink • første enkeltinvestering på mindst 50 € inden for 90 dage • investeringskredit på 25 € (kan ikke hæves direkte)
€100 Registrer
#8
Crowdpear
Fast Ejendom • EUR
Fast Ejendom Markedsplads ~10.58% 72/100 ECSP €100 Registrer
#9
Go & Grow (ex Bondora) 4/5
Forbruger • EE • EUR
Forbruger Egen udlån ~6% 71/100 Regulated 5€ Fast Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
€1 Registrer
#10
Income Marketplace 4/5
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
#11
Mintos 5/5
Multi-Asset • LV • EUR
Multi-Asset Markedsplads ~12% 69/100 MiFID II €20–€500 Fast Bonus
Code INVEST26 • register and invest 24 Aug–30 Sep 2026 in eligible assets (Smart Cash excluded) • €20 from €1,500, up to €500 from €25,000 • hold the qualifying balance until 31 Dec • paid by 15 Jan 2027
€50 Registrer
#12
Modena 4/5
Forbruger • EUR
Forbruger Egen udlån 8.5-11% 67/100 Regulated 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
#13
Digilo 4.5/5
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
Triple Dragon 3/5
Gaming • EUR
Gaming Egen udlån 14% 64/100 None 1% Cashback
Referral link • manual investment within 60 days • 1% for both investors
€50 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.
#15
Lendermarket 3.5/5
Forbruger • EUR
Forbruger Blandet ~14% 58/100 None 75€ Fast Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
€10 Registrer
#16
Viainvest 4/5
Forbruger • EUR
Forbruger Egen udlån ~11.8% 58/100 Regulated 0.5% Cashback
Partner-link offer • cashback on the average daily investment balance during the first 90 days
€10 Registrer
#17
SAVY 4/5
Forbruger • EUR
Forbruger Egen udlån up to 13% 56/100 Bank of Lithuania 1% Cashback
Referral programme • 1% of investments during the first 3 months • maximum €1,000
€10 Registrer
#18
Revest 3.5/5
Fast Ejendom • EUR
Fast Ejendom Egen udlån up to 13% 46/100 None Op til 6% Cashback
10 Aug–30 Sep 2026 • 0.25% for 25-day/1-month terms, 1.5% for 3 months, 2.5% for 6 months, 4% for 12 months, 6% for 24 months • paid after the campaign
€0 Registrer
#19
Debitum 4/5
Erhverv • EUR
Erhverv Markedsplads ~10% 44/100 Regulated 20€ + Op til 2% Loyalty
Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier
€50 Registrer
#20
Monefit SmartSaver 4.5/5
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
#21
Mypeak.finance 3/5
Erhverv • EUR
Erhverv Egen udlån up to 16% 27/100 None 1% Cashback
Partner-link offer • investments during the first 60 days
€1 Registrer
#22
FF Forest 3/5
Landbrug • EUR
Landbrug Egen udlån up to 18% 18/100 None 1% Cashback
Partner-link offer • investments during the first 180 days
€500 Registrer
#23
Asterra Estate 3.5/5
Fast Ejendom • EUR
Fast Ejendom Egen udlån up to 14% 15/100 None 1% Cashback
Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately
€100 Registrer
#1
Nectaro
Consumer
Afkast
14.9%
Evidens-DD
78/100
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
#2
Afranga
Business
Afkast
14.75%
Evidens-DD
68/100
Buyback
Min Inv.
€10
Udlånsmodel
Blandet
Bonus
0.5% Cashback
Partner-link offer • 0.5% cashback during the first 90 days
#3
InRento
Real Estate
Afkast
~12%
Evidens-DD
89/100
Buyback
Min Inv.
€100
Udlånsmodel
Markedsplads
Bonus
Op til 50€ Fast Bonus
20 € i bonus ved en investering på 500 € • 50 € i bonus ved en investering på 1.000 €
#4
Letsinvest
Real Estate
Afkast
up to 12%
Evidens-DD
84/100
Buyback
Min Inv.
€100
Udlånsmodel
Markedsplads
#5
PeerBerry
Consumer
Afkast
11%
Evidens-DD
80/100
Buyback
Min Inv.
€10
Udlånsmodel
Blandet
Bonus
0.5% Welcome + Op til 1% Loyalty
Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)
#6
LANDE
Agricultural
Afkast
up to 14%
Evidens-DD
77/100
Buyback
Min Inv.
€50
Udlånsmodel
Markedsplads
Bonus
1% Referral Cashback
Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties
#7
Indemo
NPL
Afkast
15-18%
Evidens-DD
76/100
Buyback
Min Inv.
€100
Udlånsmodel
Markedsplads
Bonus
25€ Fast Bonus
Henvisnings-/partnerlink • første enkeltinvestering på mindst 50 € inden for 90 dage • investeringskredit på 25 € (kan ikke hæves direkte)
#8
Crowdpear
Real Estate
Afkast
~10.58%
Evidens-DD
72/100
Buyback
Min Inv.
€100
Udlånsmodel
Markedsplads
#9
Go & Grow (ex Bondora)
Consumer
Afkast
~6%
Evidens-DD
71/100
Buyback
Min Inv.
€1
Udlånsmodel
Egen udlån
Bonus
5€ Fast Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
#10
Income Marketplace
Consumer
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
#11
Mintos
Multi-Asset
Afkast
~12%
Evidens-DD
69/100
Buyback
Min Inv.
€50
Udlånsmodel
Markedsplads
Bonus
€20–€500 Fast Bonus
Code INVEST26 • register and invest 24 Aug–30 Sep 2026 in eligible assets (Smart Cash excluded) • €20 from €1,500, up to €500 from €25,000 • hold the qualifying balance until 31 Dec • paid by 15 Jan 2027
#12
Modena
Consumer
Afkast
8.5-11%
Evidens-DD
67/100
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
#13
Digilo
Real Estate
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
#14
Triple Dragon
Gaming
Afkast
14%
Evidens-DD
64/100
Buyback
Min Inv.
€50
Udlånsmodel
Egen udlån
Bonus
1% Cashback
Referral link • manual investment within 60 days • 1% for both investors
⚠️ 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.
#15
Lendermarket
Consumer
Afkast
~14%
Evidens-DD
58/100
Buyback
Min Inv.
€10
Udlånsmodel
Blandet
Bonus
75€ Fast Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
#16
Viainvest
Consumer
Afkast
~11.8%
Evidens-DD
58/100
Buyback
Min Inv.
€10
Udlånsmodel
Egen udlån
Bonus
0.5% Cashback
Partner-link offer • cashback on the average daily investment balance during the first 90 days
#17
SAVY
Consumer
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
#18
Revest
Real Estate
Afkast
up to 13%
Evidens-DD
46/100
Buyback
Min Inv.
€0
Udlånsmodel
Egen udlån
Bonus
Op til 6% Cashback
10 Aug–30 Sep 2026 • 0.25% for 25-day/1-month terms, 1.5% for 3 months, 2.5% for 6 months, 4% for 12 months, 6% for 24 months • paid after the campaign
#19
Debitum
Business
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 • loyalty boost up to 2% by tier
#20
Monefit SmartSaver
Consumer
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
#21
Mypeak.finance
Travel
Afkast
up to 16%
Evidens-DD
27/100
Buyback
Min Inv.
€1
Udlånsmodel
Egen udlån
Bonus
1% Cashback
Partner-link offer • investments during the first 60 days
#22
FF Forest
Agricultural
Afkast
up to 18%
Evidens-DD
18/100
Buyback
Min Inv.
€500
Udlånsmodel
Egen udlån
Bonus
1% Cashback
Partner-link offer • investments during the first 180 days
#23
Asterra Estate
Real Estate
Afkast
up to 14%
Evidens-DD
15/100
Buyback
Min Inv.
€100
Udlånsmodel
Egen udlån
Bonus
1% Cashback
Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately
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 →
Hall of Shame Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.
  • Bondster: Manglende opfyldelse af tilbagekøbsforpligtelser og uafsluttede inddrivelser hos flere långivere.
  • Maclear: Utilstrækkelig uafhængigt verificerbar finansiel rapportering; PolyRegs hvidvasktilsyn er ikke en ECSP-licens.
  • Ventus Energy: BaFin ordered the cessation and wind-down of unauthorised deposit business in 2026; the platform later announced restructuring and an investor repayment process.
  • Esketit: A 2025 legal migration temporarily suspended liquidity tools for some investors; it is listed for governance and liquidity concerns, not as a fraud finding.
  • EstateGuru: Serious late-loan and recovery issues that hurt many investors.
  • Twino: Long-standing delayed repayments and trust concerns reported by users.
  • Revest24: High-risk behavior and multiple investor red flags reported by the community.

🎁 Bonusser

🏆 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

8lends
30 USDC + 6% 8LNDS

Welcome: 30 USDC after signup/first investment • 6% 8LNDS cashback on investments • Referral bonus 6% of friend investments for 45 days

📊 Lendermarket
75€ Fast Bonus

Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties

🏡 Revest
Op til 6% Cashback

10 Aug–30 Sep 2026 • 0.25% for 25-day/1-month terms, 1.5% for 3 months, 2.5% for 6 months, 4% for 12 months, 6% for 24 months • paid after the campaign

🏠 InRento
Op til 50€ Fast Bonus

20 € i bonus ved en investering på 500 € • 50 € i bonus ved en investering på 1.000 €

🔷 Debitum
20€ + Op til 2% Loyalty

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

💎 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

Indemo
25€ Fast Bonus

Henvisnings-/partnerlink • første enkeltinvestering på mindst 50 € inden for 90 dage • investeringskredit på 25 € (kan ikke hæves direkte)

🌐 Mintos
€20–€500 Fast Bonus

Code INVEST26 • register and invest 24 Aug–30 Sep 2026 in eligible assets (Smart Cash excluded) • €20 from €1,500, up to €500 from €25,000 • hold the qualifying balance until 31 Dec • paid by 15 Jan 2027

🫐 PeerBerry
0.5% Welcome + Op til 1% Loyalty

Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)

🏘️ Asterra Estate
1% Cashback

Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately

🏠 Digilo
1% Cashback

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

🌲 FF Forest
1% Cashback

Partner-link offer • investments during the first 180 days

💵 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

🌾 LANDE
1% Referral Cashback

Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties

🏔️ Mypeak.finance
1% Cashback

Partner-link offer • investments during the first 60 days

🛡️ 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

💼 Afranga
0.5% Cashback

Partner-link offer • 0.5% cashback during the first 90 days

🟠 Go & Grow (ex Bondora)
5€ Fast Bonus

New investor: €5 • Referrer: €5 after €50 invested within 30 days

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

📈 Viainvest
0.5% Cashback

Partner-link offer • cashback on the average daily investment balance during the first 90 days

🍐 Crowdpear
Ingen bonusser tilgængelige i øjeblikket
Ξ EtherFi
Ingen bonusser tilgængelige i øjeblikket
🏗️ Letsinvest
Ingen bonusser tilgængelige i øjeblikket

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

📝 Platformanmeldelser

Detaljeret analyse baseret på min personlige erfaring.

⚠️ 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

Francesco fra Italien, passioneret for alternative investeringer.

Jeg tester personligt hver anbefalet platform med egne penge. Ingen marketing, kun praktisk analyse.