Encuentra Tu Plataforma P2P

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Comparación de Plataformas (24)

Las posiciones patrocinadas, cuando existen, se indican explícitamente. El patrocinio solo puede influir en la posición de una plataforma dentro de la tabla comparativa, nunca en su calificación, veredicto de la reseña o evaluación editorial.

Categoría Reg Bono Registrarse
Monefit SmartSaver ⭐ #1
Consumo • EE • EUR
 Consumo 7.5-10.5% 3/10 None 0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)		 €5 Registrarse
Nectaro 🏆 TOP
Consumo • LV • EUR
 Consumo 14.9% 6/10 None 1% Cashback
First 30 days • Max €200		 €10 Registrarse
PeerBerry 5/5
Consumo • EUR
 Consumo 11% 2/10 ECSP 0.5% Welcome + Hasta 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%		 €10 Registrarse
Mintos 5/5
Multi-Asset • LV • EUR
 Multi-Asset ~12% 5/10 MiFID II Hasta 500€ Bono Fijo
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)		 €50 Registrarse
Esketit 3.5/5
Consumo • EUR
 Consumo 12-14% 8/10 None 1.5% Cashback
First 90 days • Gold/Platinum status		 €10 Registrarse
Afranga 4.5/5
Negocios • BG • EUR
 Negocios 14.75% 4/10 ECSP 0.5% Cashback
First 90 days		 €10 Registrarse
InRento 4.8/5
Inmobiliario • LT • EUR
 Inmobiliario ~12% 2/10 Lithuanian CB 20€ Bono Fijo
First project • Min €500		 €100 Registrarse
Indemo 4/5
NPL • EUR
 NPL 15-18% 5/10 Regulated Hasta 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€		 €100 Registrarse
Triple Dragon 3/5
Gaming • EUR
 Gaming 14% 6/10 None 1% Cashback
Invest within 60 days • Both parties		 €50 Registrarse
Lendermarket 3.5/5
Consumo • EUR
 Consumo ~14% 6/10 None 10€ + 1.0% Cashback
First 90 days		 €10 Registrarse
Maclear 4/5
Negocios • EUR
 Negocios up to 15.6% 3/10 ECSP 15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days		 €50 Registrarse
Modena 4/5
Consumo • EUR
 Consumo 8.5-11% 2/10 Regulated Hasta 1025€ Bono Fijo
Newcomer campaign on official site		 €50 Registrarse
Viainvest 4/5
Consumo • EUR
 Consumo ~11.8% 2/10 Regulated 1.0% Cashback
Auto-invest only • First quarter		 €10 Registrarse
Income Marketplace 4/5
Consumo • EUR
 Consumo ~13% 3/10 None 1.0% Cashback
First 30 days		 €10 Registrarse
Ventus Energy 3/5
Energía • EUR
 Energía 6-12% 8/10 None +1.0% Interest Boost
Extra yield on green investments		 €50 Registrarse
LANDE 3.5/5
Agrícola • EUR
 Agrícola up to 14% 6/10 None 1% Cashback
First 90 days • Both parties		 €50 Registrarse
Debitum 4/5
Negocios • EUR
 Negocios ~10% 2/10 Regulated +0.5%/+2% Loyalty
Perpetual loyalty boost by tier		 €50 Registrarse
Bondora 4/5
Consumo • EE • EUR
 Consumo ~6% 1/10 Regulated 5€ Bono Fijo
Welcome bonus • Invest €50 in 30 days		 €1 Registrarse
Revest 3.5/5
Inmobiliario • EUR
 Inmobiliario up to 13% 5/10 None 0.5% Cashback
Invest within 30 days • Both parties		 €0 Registrarse
SAVY 4/5
Consumo • EUR
 Consumo up to 13% 5/10 Bank of Lithuania 1% Cashback
First 90 days • Max €1,000		 €10 Registrarse
Letsinvest 4/5
Inmobiliario • EUR
 Inmobiliario up to 12% 5/10 ECSP — €100 Registrarse
Bondster 3.5/5
Consumo • EUR
 Consumo up to 14% 6/10 None 1% Cashback
First 90 days via referral		 €5 Registrarse
Asterra Estate 3.5/5
Inmobiliario • EUR
 Inmobiliario up to 14% 6/10 None — €100 Registrarse
FF Forest 3/5
Agrícola • EUR
 Agrícola up to 18% 8/10 None — €500 Registrarse
Monefit SmartSaver
Consumer
❌
Rendimientos
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bono
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Registrarse
Mintos
Multi-Asset
✅
Rendimientos
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bono
Hasta 500€ Bono Fijo
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Registrarse
PeerBerry
Consumer
✅
Rendimientos
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bono
0.5% Welcome + Hasta 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Registrarse
Esketit
Consumer
❌
Rendimientos
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bono
1.5% Cashback
First 90 days • Gold/Platinum status
Registrarse
Nectaro
Consumer
❌
Rendimientos
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bono
1% Cashback
First 30 days • Max €200
Registrarse
Afranga
Business
✅
Rendimientos
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bono
0.5% Cashback
First 90 days
Registrarse
InRento
Real Estate
✅
Rendimientos
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bono
20€ Bono Fijo
First project • Min €500
Registrarse
Indemo
NPL
✅
Rendimientos
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bono
Hasta 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Registrarse
Triple Dragon
Gaming
❌
Rendimientos
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bono
1% Cashback
Invest within 60 days • Both parties
Registrarse
Lendermarket
Consumer
❌
Rendimientos
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bono
10€ + 1.0% Cashback
First 90 days
Registrarse
Maclear
Business
✅
Rendimientos
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bono
15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days
Registrarse
Modena
Consumer
✅
Rendimientos
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bono
Hasta 1025€ Bono Fijo
Newcomer campaign on official site
Registrarse
Viainvest
Consumer
✅
Rendimientos
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bono
1.0% Cashback
Auto-invest only • First quarter
Registrarse
Income Marketplace
Consumer
❌
Rendimientos
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bono
1.0% Cashback
First 30 days
Registrarse
Ventus Energy
Energy
❌
Rendimientos
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bono
+1.0% Interest Boost
Extra yield on green investments
Registrarse
LANDE
Agricultural
❌
Rendimientos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bono
1% Cashback
First 90 days • Both parties
Registrarse
Debitum
Business
✅
Rendimientos
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bono
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Registrarse
Bondora
Consumer
✅
Rendimientos
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bono
5€ Bono Fijo
Welcome bonus • Invest €50 in 30 days
Registrarse
Revest
Real Estate
❌
Rendimientos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bono
0.5% Cashback
Invest within 30 days • Both parties
Registrarse
SAVY
Consumer
✅
Rendimientos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bono
1% Cashback
First 90 days • Max €1,000
Registrarse
Letsinvest
Real Estate
✅
Rendimientos
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Registrarse
Bondster
Consumer
❌
Rendimientos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bono
1% Cashback
First 90 days via referral
Registrarse
Asterra Estate
Real Estate
❌
Rendimientos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Registrarse
FF Forest
Agricultural
❌
Rendimientos
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
Registrarse

🎁 Bonos

⭐ Monefit SmartSaver
0.5% Cashback + 5€

5€ instant + 0.5% cashback (90 days)

Obtener Bono
🌐 Mintos
Hasta 500€ Bono Fijo

Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)

Obtener Bono
🔷 Bitget
Hasta 6000 USDT

Usa código FRA555 • Hasta 6000 USDT

Obtener Bono
🫐 PeerBerry
0.5% Welcome + Hasta 1% VIP

Welcome: +0.5% 90 days • Loyalty: up to +1%

Obtener Bono
💸 Esketit
1.5% Cashback

First 90 days • Gold/Platinum status

Obtener Bono
🏆 Nectaro
1% Cashback

First 30 days • Max €200

Obtener Bono
💼 Afranga
0.5% Cashback

First 90 days

Obtener Bono
🏠 InRento
20€ Bono Fijo

First project • Min €500

Obtener Bono
⚡ Indemo
Hasta 5% Cashback

Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€

Obtener Bono
🎮 Triple Dragon
1% Cashback

Invest within 60 days • Both parties

Obtener Bono
📊 Lendermarket
10€ + 1.0% Cashback

First 90 days

Obtener Bono
🏢 Maclear
15€ + 3% Cashback

Welcome €15 + 3% cashback first 90 days

Obtener Bono
💎 Modena
Hasta 1025€ Bono Fijo

Newcomer campaign on official site

Obtener Bono
📈 Viainvest
1.0% Cashback

Auto-invest only • First quarter

Obtener Bono
💵 Income Marketplace
1.0% Cashback

First 30 days

Obtener Bono
🌿 Ventus Energy
+1.0% Interest Boost

Extra yield on green investments

Obtener Bono
🌾 LANDE
1% Cashback

First 90 days • Both parties

Obtener Bono
🔷 Debitum
+0.5%/+2% Loyalty

Perpetual loyalty boost by tier

Obtener Bono
🟠 Bondora
5€ Bono Fijo

Welcome bonus • Invest €50 in 30 days

Obtener Bono
🏡 Revest
0.5% Cashback

Invest within 30 days • Both parties

Obtener Bono
🛡️ SAVY
1% Cashback

First 90 days • Max €1,000

Obtener Bono
🏗️ Letsinvest
Sin bonos disponibles actualmente
🔗 Bondster
1% Cashback

First 90 days via referral

Obtener Bono
🏘️ Asterra Estate
Sin bonos disponibles actualmente
🌲 FF Forest
Sin bonos disponibles actualmente
₿ 8lends
30 USDC + 6% 8LNDS

Welcome: 30 USDC + 6% in 8LNDS tokens on every investment

Obtener Bono

Plataformas crypto: consulta los listados individuales arriba para bonos disponibles.

📝 Reseñas de Plataformas

Análisis detallado basado en mi experiencia personal.

Monefit SmartSaver

Consumo
⭐ #1
7.5-10.5% Rendimientos
❌ No Regulada LOW

Pros

  • Daily interest
  • Instant withdrawals
  • €5 minimum
  • Simple UI

Contras

  • Not regulated
  • Single loan originator

Veredicto

Best platform for beginners. Very user-friendly and reliable payments.

Registrarse → Monefit SmartSaver

Mintos

Multi-Asset
5/5
~12% Rendimientos
✅ MiFID II MEDIUM

Pros

  • Largest platform
  • Regulated
  • €20K protection
  • Many loan types

Contras

  • Complex for beginners
  • Past defaults

Veredicto

The most established P2P platform in Europe. Great for diversification.

Registrarse → Mintos

PeerBerry

Consumo
5/5
11% Rendimientos
✅ ECSP LOW

Pros

  • Zero investor losses
  • ECSP regulated
  • Strong buyback
  • Reliable

Contras

  • Lower returns
  • Limited loan types

Veredicto

Most reliable platform. Zero losses since launch makes it perfect for conservative investors.

Registrarse → PeerBerry

Esketit

Consumo
3.5/5
12-14% Rendimientos
❌ No Regulada HIGH

Pros

  • High returns
  • Auto-invest
  • Buyback guarantee
  • Easy UI

Contras

  • Not regulated
  • High risk

Veredicto

High-risk platform with attractive returns. Buyback guarantee provides some security.

Registrarse → Esketit

Nectaro

Consumo
🏆 TOP
14.9% Rendimientos
❌ No Regulada MEDIUM

Pros

  • Highest returns
  • 0% default rate
  • Simple to use
  • Fast growth

Contras

  • New platform (2023)
  • Not regulated
  • Limited track record

Veredicto

Highest returns in 2026. New but very promising. Worth testing with small amounts.

Registrarse → Nectaro

Afranga

Negocios
4.5/5
14.75% Rendimientos
✅ ECSP MEDIUM

Pros

  • High returns
  • ECSP regulated
  • Business loans
  • Good track record

Contras

  • Bulgarian focus
  • Less known

Veredicto

Great regulated option with high returns. Focus on business loans in Bulgaria.

Registrarse → Afranga

InRento

Inmobiliario
4.8/5
~12% Rendimientos
✅ Lithuanian CB LOW

Pros

  • Real estate backed
  • Zero defaults
  • Regulated
  • Monthly income

Contras

  • Longer lock-in
  • Limited availability

Veredicto

Best real estate platform. Monthly rental income + property appreciation.

Registrarse → InRento

Indemo

NPL
4/5
15-18% Rendimientos
✅ MEDIUM

Pros

  • NPL investing unique
  • High returns
  • Regulated
  • Collateralized

Contras

  • Complex for beginners
  • Longer lock-in

Veredicto

Unique NPL (non-performing loans) platform. High returns for experienced investors.

Registrarse → Indemo

Triple Dragon

Gaming
3/5
14% Rendimientos
❌ No Regulada MEDIUM

Pros

  • Unique gaming niche
  • 14% returns
  • Innovative
  • Entertainment sector

Contras

  • Not regulated
  • Niche market

Veredicto

Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.

Registrarse → Triple Dragon

Lendermarket

Consumo
3.5/5
~14% Rendimientos
❌ No Regulada MEDIUM

Pros

  • High returns
  • Buyback guarantee
  • Auto-invest
  • Creditstar backing

Contras

  • Not regulated
  • Limited transparency

Veredicto

Solid platform backed by Creditstar group. Good returns with buyback guarantee.

Registrarse → Lendermarket

Maclear

Negocios
4/5
up to 15.6% Rendimientos
✅ ECSP LOW

Pros

  • Regulated
  • Business loans
  • Up to 15.6%
  • Transparent

Contras

  • Newer platform
  • Limited track record

Veredicto

Newer regulated platform with business loans. Good transparency and potential.

Registrarse → Maclear

Modena

Consumo
4/5
8.5-11% Rendimientos
✅ LOW

Pros

  • Regulated
  • Conservative
  • Reliable returns
  • Good for beginners

Contras

  • Lower returns
  • Limited loan types

Veredicto

Conservative regulated option. Perfect for risk-averse investors seeking steady returns.

Registrarse → Modena

Viainvest

Consumo
4/5
~11.8% Rendimientos
✅ LOW

Pros

  • Regulated
  • Steady returns
  • Auto-invest
  • Buyback

Contras

  • Limited diversification
  • Latvian focus

Veredicto

Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.

Registrarse → Viainvest

Income Marketplace

Consumo
4/5
~13% Rendimientos
❌ No Regulada LOW

Pros

  • Junior/senior shares
  • Strong protection
  • 13% returns
  • Innovative

Contras

  • Not regulated
  • Newer platform

Veredicto

Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.

Registrarse → Income Marketplace

Ventus Energy

Energía
3/5
6-12% Rendimientos
❌ No Regulada HIGH

Pros

  • Green energy
  • Unique niche
  • Sustainability
  • Diversification

Contras

  • Not regulated
  • High risk
  • Variable returns

Veredicto

Green energy focus offers unique diversification. High risk but aligns with sustainability goals.

Registrarse → Ventus Energy

LANDE

Agrícola
3.5/5
up to 14% Rendimientos
❌ No Regulada MEDIUM

Pros

  • Agricultural loans unique
  • Collateralized by land
  • 14%
  • Niche

Contras

  • Not regulated
  • Seasonal risk

Veredicto

Unique agricultural niche with land collateral. Seasonal risks but good diversification option.

Registrarse → LANDE

Debitum

Negocios
4/5
~10% Rendimientos
✅ LOW

Pros

  • Regulated
  • Business loans
  • Diversified originators
  • Solid track record

Contras

  • Lower returns
  • Less exciting

Veredicto

Reliable regulated business loans platform. Conservative returns but very solid track record.

Registrarse → Debitum

Bondora

Consumo
4/5
~6% Rendimientos
✅ LOW

Pros

  • Go and Grow
  • Regulated
  • Very simple
  • Long track record

Contras

  • Lowest returns
  • Limited control

Veredicto

Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.

Registrarse → Bondora

Revest

Inmobiliario
3.5/5
up to 13% Rendimientos
❌ No Regulada MEDIUM

Pros

  • Real estate backed
  • Up to 13% returns
  • Collateralized loans
  • Simple UI

Contras

  • Not regulated
  • Newer platform
  • Limited track record

Veredicto

Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.

Registrarse → Revest

SAVY

Consumo
4/5
up to 13% Rendimientos
✅ Bank of Lithuania MEDIUM

Pros

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

Contras

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

Veredicto

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

Registrarse → SAVY

Letsinvest

Inmobiliario
4/5
up to 12% Rendimientos
✅ ECSP MEDIUM

Pros

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

Contras

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

Veredicto

Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.

Registrarse → Letsinvest

Bondster

Consumo
3.5/5
up to 14% Rendimientos
❌ No Regulada MEDIUM

Pros

  • High advertised yields
  • Broad consumer-loan selection
  • Buyback-heavy marketplace model
  • Low entry threshold

Contras

  • No top-tier regulation
  • Originator quality matters a lot
  • Higher risk than conservative peers

Veredicto

Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.

Registrarse → Bondster

Asterra Estate

Inmobiliario
3.5/5
up to 14% Rendimientos
❌ No Regulada MEDIUM

Pros

  • Asset-backed real-estate angle
  • Attractive target yields
  • Simple niche positioning
  • Useful diversification beyond consumer loans

Contras

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

Veredicto

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.

Registrarse → Asterra Estate

FF Forest

Agrícola
3/5
up to 18% Rendimientos
❌ No Regulada HIGH

Pros

  • Up to 18% annual interest
  • Backed by real forest land assets
  • Buyback guarantee
  • Sustainable forestry niche

Contras

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

Veredicto

Unique sustainable forestry platform backed by Latvian land assets offering up to 18% returns. Interesting green niche but treat as high-risk due to lack of regulation and short track record.

Registrarse → FF Forest

🚀 Hoja de ruta y mejoras

📱

App móvil

App nativa iOS/Android para seguir el portafolio desde el móvil.

📊

Seguimiento de cartera Activo

Sincronización en tiempo real con las plataformas para controlar los rendimientos.

🔔

Alertas inteligentes

Notificaciones sobre nuevas oportunidades y actualizaciones de plataformas.

⚠️ Advertencia

Invertir en plataformas de préstamos P2P conlleva riesgos, incluido el riesgo de pérdida parcial o total del dinero invertido. Tu inversión no está cubierta por los sistemas de garantía de depósitos en virtud de la Directiva 2014/49/UE, ni por los sistemas de indemnización de inversores en virtud de la Directiva 1997/9/CE. Es posible que no recibas ningún rendimiento. No es un producto de ahorro y recomendamos no invertir más del 10 % de tu patrimonio neto. Esto no es asesoramiento financiero. De conformidad con el Reglamento (UE) 2020/1503.

👋 Sobre Mí

Francesco de Italia, apasionado por las inversiones alternativas.

Pruebo personalmente cada plataforma recomendada con mi propio dinero. Sin marketing, solo análisis práctico.

— Francesco