Vind Jouw P2P Platform

Onafhankelijke vergelijking met fiscale rekenmachine.

Vergelijk Platforms →
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Platforms
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Max Yield
0%
Avg Return

Platform Vergelijking (23)

Gesponsorde plaatsingen worden, wanneer aanwezig, expliciet vermeld. Sponsoring kan alleen de positie van een platform in de vergelijkingstabel beïnvloeden, nooit de rating, de reviewconclusie of de redactionele beoordeling.

Categorie Reg Bonus Registreren
Monefit SmartSaver ⭐ #1
Consumenten • EE • EUR
 Consumenten 7.5-10.5% 3/10 None 0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)		 €5 Registreren
Nectaro 🏆 TOP
Consumenten • LV • EUR
 Consumenten 14.9% 6/10 None 1.0% Cashback
First 30 days • Max 200€		 €10 Registreren
PeerBerry 5/5
Consumenten • EUR
 Consumenten 11% 2/10 ECSP Tot 1.0% VIP
VIP Loyalty Program		 €10 Registreren
Mintos 5/5
Multi-Asset • LV • EUR
 Multi-Asset ~12% 5/10 MiFID II 25€ Vaste Bonus
Min €1500 • 30 days		 €50 Registreren
Esketit 3.5/5
Consumenten • EUR
 Consumenten 12-14% 8/10 None 0.5%-1.0% Cashback
First 90 days • Gold/Platinum status		 €10 Registreren
Afranga 4.5/5
Bedrijven • BG • EUR
 Bedrijven 14.75% 4/10 ECSP 0.5% Cashback
First 90 days		 €10 Registreren
InRento 4.8/5
Vastgoed • LT • EUR
 Vastgoed ~12% 2/10 Lithuanian CB 20€ Vaste Bonus
First project • Min €500		 €100 Registreren
Indemo 4/5
NPL • EUR
 NPL 15-18% 5/10 Regulated Tot 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€		 €100 Registreren
Triple Dragon 3/5
Gaming • EUR
 Gaming 14% 6/10 None Tot 3.0% Cashback
1% (60 days) + 2% extra campaign		 €50 Registreren
Lendermarket 3.5/5
Consumenten • EUR
 Consumenten ~14% 6/10 None 10€ + 1.0% Cashback
First 90 days		 €10 Registreren
Maclear 4/5
Bedrijven • EUR
 Bedrijven up to 15% 3/10 ECSP 15€ + Loyaliteitspunten
Invest €50 within 7 days		 €50 Registreren
Modena 4/5
Consumenten • EUR
 Consumenten 8.5-11% 2/10 Regulated — €50 Registreren
Viainvest 4/5
Consumenten • EUR
 Consumenten ~11.8% 2/10 Regulated 1.0% Cashback
Auto-invest only • First quarter		 €10 Registreren
Income Marketplace 4/5
Consumenten • EUR
 Consumenten ~13% 3/10 None 1.0% Cashback
First 30 days		 €10 Registreren
Ventus Energy 3/5
Energie • EUR
 Energie 6-12% 8/10 None +1.0% Interest Boost
Extra yield on green investments		 €50 Registreren
LANDE 3.5/5
Landbouw • EUR
 Landbouw up to 14% 6/10 None +3%
First investment		 €50 Registreren
Debitum 4/5
Bedrijven • EUR
 Bedrijven ~10% 2/10 Regulated +0.5%/+2% Loyalty
Perpetual loyalty boost by tier		 €50 Registreren
Bondora 4/5
Consumenten • EE • EUR
 Consumenten 6.75% 1/10 Regulated 5€ + Tot 200€
Welcome bonus • 90 days no-withdrawal		 €1 Registreren
Revest 3.5/5
Vastgoed • EUR
 Vastgoed up to 13% 5/10 None — €0 Registreren
SAVY 4/5
Consumenten • EUR
 Consumenten up to 13% 5/10 Bank of Lithuania 1% Cashback
First 90 days • Max €1,000		 €10 Registreren
Letsinvest 4/5
Vastgoed • EUR
 Vastgoed up to 12% 5/10 ECSP — €100 Registreren
Bondster 3.5/5
Consumenten • EUR
 Consumenten up to 14% 6/10 None 1% Cashback
First 90 days via referral		 €5 Registreren
Asterra Estate 3.5/5
Vastgoed • EUR
 Vastgoed up to 14% 6/10 None — €100 Registreren
Monefit SmartSaver
Consumer
❌
Rendementen
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Registreren
Mintos
Multi-Asset
✅
Rendementen
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Vaste Bonus
Min €1500 • 30 days
Registreren
PeerBerry
Consumer
✅
Rendementen
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
Tot 1.0% VIP
VIP Loyalty Program
Registreren
Esketit
Consumer
❌
Rendementen
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
0.5%-1.0% Cashback
First 90 days • Gold/Platinum status
Registreren
Nectaro
Consumer
❌
Rendementen
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days • Max 200€
Registreren
Afranga
Business
✅
Rendementen
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
Registreren
InRento
Real Estate
✅
Rendementen
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Vaste Bonus
First project • Min €500
Registreren
Indemo
NPL
✅
Rendementen
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Tot 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Registreren
Triple Dragon
Gaming
❌
Rendementen
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
Tot 3.0% Cashback
1% (60 days) + 2% extra campaign
Registreren
Lendermarket
Consumer
❌
Rendementen
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
Registreren
Maclear
Business
✅
Rendementen
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + Loyaliteitspunten
Invest €50 within 7 days
Registreren
Modena
Consumer
✅
Rendementen
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Registreren
Viainvest
Consumer
✅
Rendementen
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
Auto-invest only • First quarter
Registreren
Income Marketplace
Consumer
❌
Rendementen
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
Registreren
Ventus Energy
Energy
❌
Rendementen
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
+1.0% Interest Boost
Extra yield on green investments
Registreren
LANDE
Agricultural
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
+3%
First investment
Registreren
Debitum
Business
✅
Rendementen
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Registreren
Bondora
Consumer
✅
Rendementen
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ + Tot 200€
Welcome bonus • 90 days no-withdrawal
Registreren
Revest
Real Estate
❌
Rendementen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Registreren
SAVY
Consumer
✅
Rendementen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
Registreren
Letsinvest
Real Estate
✅
Rendementen
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Registreren
Bondster
Consumer
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
Registreren
Asterra Estate
Real Estate
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Registreren

🎁 Bonussen

⭐ Monefit SmartSaver
0.5% Cashback + 5€

5€ instant + 0.5% cashback (90 days)

Bonus Ontvangen
🌐 Mintos
25€ Vaste Bonus

Min €1500 • 30 days

Bonus Ontvangen
🫐 PeerBerry
Tot 1.0% VIP

VIP Loyalty Program

Bonus Ontvangen
💸 Esketit
0.5%-1.0% Cashback

First 90 days • Gold/Platinum status

Bonus Ontvangen
🏆 Nectaro
1.0% Cashback

First 30 days • Max 200€

Bonus Ontvangen
💼 Afranga
0.5% Cashback

First 90 days

Bonus Ontvangen
🏠 InRento
20€ Vaste Bonus

First project • Min €500

Bonus Ontvangen
⚡ Indemo
Tot 5.5% Cashback

Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€

Bonus Ontvangen
🎮 Triple Dragon
Tot 3.0% Cashback

1% (60 days) + 2% extra campaign

Bonus Ontvangen
📊 Lendermarket
10€ + 1.0% Cashback

First 90 days

Bonus Ontvangen
🏢 Maclear
15€ + Loyaliteitspunten

Invest €50 within 7 days

Bonus Ontvangen
💎 Modena
Geen bonussen momenteel beschikbaar
📈 Viainvest
1.0% Cashback

Auto-invest only • First quarter

Bonus Ontvangen
💵 Income Marketplace
1.0% Cashback

First 30 days

Bonus Ontvangen
🌿 Ventus Energy
+1.0% Interest Boost

Extra yield on green investments

Bonus Ontvangen
🌾 LANDE
+3%

First investment

Bonus Ontvangen
🔷 Debitum
+0.5%/+2% Loyalty

Perpetual loyalty boost by tier

Bonus Ontvangen
🟠 Bondora
5€ + Tot 200€

Welcome bonus • 90 days no-withdrawal

Bonus Ontvangen
🏡 Revest
Geen bonussen momenteel beschikbaar
🛡️ SAVY
1% Cashback

First 90 days • Max €1,000

Bonus Ontvangen
🏗️ Letsinvest
Geen bonussen momenteel beschikbaar
🔗 Bondster
1% Cashback

First 90 days via referral

Bonus Ontvangen
🏘️ Asterra Estate
Geen bonussen momenteel beschikbaar
₿ 8lends
30 USDC

First investment

Bonus Ontvangen

Crypto-platformen: bekijk de individuele vermeldingen hierboven voor beschikbare bonussen.

📝 Platform Beoordelingen

Gedetailleerde analyse op basis van mijn persoonlijke ervaring.

Mintos

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

Voordelen

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

Nadelen

  • Complex for beginners
  • Past defaults

Oordeel

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

Registreren → Mintos

PeerBerry

Consumenten
5/5
11% Rendementen
✅ ECSP LOW

Voordelen

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

Nadelen

  • Lower returns
  • Limited loan types

Oordeel

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

Registreren → PeerBerry

Esketit

Consumenten
3.5/5
12-14% Rendementen
❌ Niet Gereguleerd HIGH

Voordelen

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

Nadelen

  • Not regulated
  • High risk

Oordeel

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

Registreren → Esketit

Nectaro

Consumenten
🏆 TOP
14.9% Rendementen
❌ Niet Gereguleerd MEDIUM

Voordelen

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

Nadelen

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

Oordeel

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

Registreren → Nectaro

Afranga

Bedrijven
4.5/5
14.75% Rendementen
✅ ECSP MEDIUM

Voordelen

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

Nadelen

  • Bulgarian focus
  • Less known

Oordeel

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

Registreren → Afranga

InRento

Vastgoed
4.8/5
~12% Rendementen
✅ Lithuanian CB LOW

Voordelen

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

Nadelen

  • Longer lock-in
  • Limited availability

Oordeel

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

Registreren → InRento

Indemo

NPL
4/5
15-18% Rendementen
✅ MEDIUM

Voordelen

  • NPL investing unique
  • High returns
  • Regulated
  • Collateralized

Nadelen

  • Complex for beginners
  • Longer lock-in

Oordeel

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

Registreren → Indemo

Triple Dragon

Gaming
3/5
14% Rendementen
❌ Niet Gereguleerd MEDIUM

Voordelen

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

Nadelen

  • Not regulated
  • Niche market

Oordeel

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

Registreren → Triple Dragon

Lendermarket

Consumenten
3.5/5
~14% Rendementen
❌ Niet Gereguleerd MEDIUM

Voordelen

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

Nadelen

  • Not regulated
  • Limited transparency

Oordeel

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

Registreren → Lendermarket

Maclear

Bedrijven
4/5
up to 15% Rendementen
✅ ECSP LOW

Voordelen

  • Regulated
  • Business loans
  • Up to 15%
  • Transparent

Nadelen

  • Newer platform
  • Limited track record

Oordeel

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

Registreren → Maclear

Modena

Consumenten
4/5
8.5-11% Rendementen
✅ LOW

Voordelen

  • Regulated
  • Conservative
  • Reliable returns
  • Good for beginners

Nadelen

  • Lower returns
  • Limited loan types

Oordeel

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

Registreren → Modena

Viainvest

Consumenten
4/5
~11.8% Rendementen
✅ LOW

Voordelen

  • Regulated
  • Steady returns
  • Auto-invest
  • Buyback

Nadelen

  • Limited diversification
  • Latvian focus

Oordeel

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

Registreren → Viainvest

Income Marketplace

Consumenten
4/5
~13% Rendementen
❌ Niet Gereguleerd LOW

Voordelen

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

Nadelen

  • Not regulated
  • Newer platform

Oordeel

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

Registreren → Income Marketplace

Ventus Energy

Energie
3/5
6-12% Rendementen
❌ Niet Gereguleerd HIGH

Voordelen

  • Green energy
  • Unique niche
  • Sustainability
  • Diversification

Nadelen

  • Not regulated
  • High risk
  • Variable returns

Oordeel

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

Registreren → Ventus Energy

LANDE

Landbouw
3.5/5
up to 14% Rendementen
❌ Niet Gereguleerd MEDIUM

Voordelen

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

Nadelen

  • Not regulated
  • Seasonal risk

Oordeel

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

Registreren → LANDE

Debitum

Bedrijven
4/5
~10% Rendementen
✅ LOW

Voordelen

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

Nadelen

  • Lower returns
  • Less exciting

Oordeel

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

Registreren → Debitum

Bondora

Consumenten
4/5
6.75% Rendementen
✅ LOW

Voordelen

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

Nadelen

  • Lowest returns
  • Limited control

Oordeel

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

Registreren → Bondora

Revest

Vastgoed
3.5/5
up to 13% Rendementen
❌ Niet Gereguleerd MEDIUM

Voordelen

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

Nadelen

  • Not regulated
  • Newer platform
  • Limited track record

Oordeel

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

Registreren → Revest

SAVY

Consumenten
4/5
up to 13% Rendementen
✅ Bank of Lithuania MEDIUM

Voordelen

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

Nadelen

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

Oordeel

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

Registreren → SAVY

Letsinvest

Vastgoed
4/5
up to 12% Rendementen
✅ ECSP MEDIUM

Voordelen

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

Nadelen

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

Oordeel

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

Registreren → Letsinvest

Bondster

Consumenten
3.5/5
up to 14% Rendementen
❌ Niet Gereguleerd MEDIUM

Voordelen

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

Nadelen

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

Oordeel

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

Registreren → Bondster

Asterra Estate

Vastgoed
3.5/5
up to 14% Rendementen
❌ Niet Gereguleerd MEDIUM

Voordelen

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

Nadelen

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

Oordeel

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.

Registreren → Asterra Estate

🚀 Roadmap & verbeteringen

📱

Mobiele app

Native iOS/Android-app voor het volgen van je portfolio onderweg.

📊

Portefeuilletracker Actief

Realtime synchronisatie met platforms om rendementen te volgen.

🔔

Slimme meldingen

Notificaties voor nieuwe kansen en platformupdates.

⚠️ Waarschuwing

Investeren in P2P-leenplatforms brengt risico's met zich mee, waaronder het risico van gedeeltelijk of volledig verlies van het geïnvesteerde geld. Uw investering is niet gedekt door depositogarantiestelsels in de zin van Richtlijn 2014/49/EU, noch door beleggerscompensatiestelsels in de zin van Richtlijn 1997/9/EG. U ontvangt mogelijk geen rendement. Dit is geen spaarproduct en wij adviseren niet meer dan 10% van uw nettovermogen te investeren. Dit is geen financieel advies. Overeenkomstig Verordening (EU) 2020/1503.

👋 Over Mij

Francesco uit Italië, enthousiast over alternatieve investeringen.

Ik test elke aanbevolen platform persoonlijk met eigen geld. Geen marketing, alleen praktische analyse.

— Francesco