Comparaison indépendante avec calculateur fiscal.
Les placements sponsorisés, lorsqu'ils existent, sont explicitement signalés. Le sponsoring peut influencer uniquement la position d'une plateforme dans le tableau comparatif, jamais sa note, le verdict de la revue ni l'évaluation éditoriale.
| Catégorie | Reg | Bonus | S'inscrire | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consommation | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | S'inscrire |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Jusqu'à 6000 USDT Utilise le code FRA555 • Jusqu'à 6000 USDT | €0 | S'inscrire |
| Nectaro | Consommation | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €10 | S'inscrire |
| PeerBerry | Consommation | 11% | 2/10 | ECSP | 0.5% Welcome + Jusqu'à 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | S'inscrire |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Jusqu'à 500€ Bonus Fixe Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026) | €50 | S'inscrire |
| Esketit | Consommation | 12-14% | 8/10 | None | 1.5% Cashback First 90 days • Gold/Platinum status | €10 | S'inscrire |
| Afranga | Entreprise | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | S'inscrire |
| InRento | Immobilier | ~12% | 2/10 | Lithuanian CB | 20€ Bonus Fixe First project • Min €500 | €100 | S'inscrire |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Jusqu'à 5% Cashback Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€ | €100 | S'inscrire |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | S'inscrire |
| Lendermarket | Consommation | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | S'inscrire |
| Maclear | Entreprise | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback Welcome €15 + 3% cashback first 90 days | €50 | S'inscrire |
| Modena | Consommation | 8.5-11% | 2/10 | Regulated | Jusqu'à 1025€ Bonus Fixe Newcomer campaign on official site | €50 | S'inscrire |
| Viainvest | Consommation | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | S'inscrire |
| Income Marketplace | Consommation | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | S'inscrire |
| Ventus Energy | Énergie | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | S'inscrire |
| LANDE | Agricole | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | S'inscrire |
| Debitum | Entreprise | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | S'inscrire |
| Bondora | Consommation | ~6% | 1/10 | Regulated | 5€ Bonus Fixe Welcome bonus • Invest €50 in 30 days | €1 | S'inscrire |
| Revest | Immobilier | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €0 | S'inscrire |
| SAVY | Consommation | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | S'inscrire |
| Letsinvest | Immobilier | up to 12% | 5/10 | ECSP | — | €100 | S'inscrire |
| Bondster | Consommation | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | S'inscrire |
| Asterra Estate | Immobilier | up to 14% | 6/10 | None | — | €100 | S'inscrire |
| FF Forest | Agricole | up to 18% | 8/10 | None | — | €500 | S'inscrire |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC + 6% in 8LNDS tokens on every investment | €100 | S'inscrire |
5€ instant + 0.5% cashback (90 days)
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Utilise le code FRA555 • Jusqu'à 6000 USDT
Welcome: +0.5% 90 days • Loyalty: up to +1%
First 90 days • Gold/Platinum status
First 30 days • Max €200
First 90 days
First project • Min €500
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Invest within 60 days • Both parties
First 90 days
Welcome €15 + 3% cashback first 90 days
Newcomer campaign on official site
Auto-invest only • First quarter
First 30 days
Extra yield on green investments
First 90 days • Both parties
Perpetual loyalty boost by tier
Welcome bonus • Invest €50 in 30 days
Invest within 30 days • Both parties
First 90 days • Max €1,000
First 90 days via referral
Welcome: 30 USDC + 6% in 8LNDS tokens on every investment
Plateformes crypto: consultez les fiches individuelles ci-dessus pour les bonus disponibles.
Analyse détaillée basée sur mon expérience personnelle.
Best platform for beginners. Very user-friendly and reliable payments.
The most established P2P platform in Europe. Great for diversification.
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
High-risk platform with attractive returns. Buyback guarantee provides some security.
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Great regulated option with high returns. Focus on business loans in Bulgaria.
Best real estate platform. Monthly rental income + property appreciation.
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Newer regulated platform with business loans. Good transparency and potential.
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Reliable regulated business loans platform. Conservative returns but very solid track record.
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
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.
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.
App iOS/Android native pour suivre le portefeuille en déplacement.
Synchronisation en temps réel avec les plateformes pour suivre les rendements.
Notifications pour les nouvelles opportunités et mises à jour des plateformes.
Investir dans des plateformes de prêt P2P comporte des risques, y compris le risque de perte partielle ou totale de l'argent investi. Votre investissement n'est pas couvert par les systèmes de garantie des dépôts au sens de la Directive 2014/49/UE, ni par les systèmes d'indemnisation des investisseurs au sens de la Directive 1997/9/CE. Vous pourriez ne recevoir aucun rendement. Ce n'est pas un produit d'épargne et nous vous conseillons de ne pas investir plus de 10 % de votre patrimoine net. Ce n'est pas un conseil financier. Conformément au Règlement (UE) 2020/1503.
Francesco d'Italie, passionné par les investissements alternatifs.
Je teste personnellement chaque plateforme recommandée avec mon propre argent. Pas de marketing, juste de l'analyse pratique.