Best European P2P Lending Platforms 2024 ⭕️ Tested (security & return)

compare good p2p lending website europe
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Here is a quick reference list of the best P2P lending platforms in Europe in 2024.

I have tested myself most of the ranked P2P platforms and I’ve collected direct information about the rest.

That way, I could find the best Peer-to-Peer Lending websites on the market today based on actual data.


Here is the list of the best Peer-to-Peer lending platforms in Europe today:

RankNameYieldBuy
Back
Early
exit
#1Mintos11,2%Yes 🛡Yes ♻️
#2Debitum Investment15%Yes 🛡No
#3Robocash9,1%Yes🛡Yes ♻️
#4EstateGuru 10,7%NoYes ♻️
#5IUVO9%Yes🛡Yes ♻️
#6Peerberry11,1%Yes🛡No
#7Bondora4%NoYes ♻️
#8Twino10,1%Yes🛡Yes ♻️
#9Evo8,1%NoYes ♻️
#10Crowdestate10%NoYes ♻️
#11Funding
Circle
5%NoYes ♻️
#12Viainvest10%Yes🛡Yes ♻️

There are many lists of best peer to peer lending platforms accessible only to US or UK citizens, so this is useful to European investors or international investors with a bank account in Europe.

To access a more complete list to compare peer to peer lending websites that goes beyond the most popular P2P lending platforms you can visit the official compare p2p lending websites table.

To compile this list, I analysed the features of + 30 excellent sites for investing in peer-to-peer loans from Europe.
The core of this research is based on dozens of P2P lending security factors, since investing in this way is very profitable but also involves risks.

I am a P2P investor in most of the platforms I mentioned, so I am able to make a fair comparison.

Here we go, these are the peer-to-peer lending platforms I use.


Mintos ★★★★

Why Mintos is one of the best P2P lending?

  • ✅ It is the biggest P2P in Europe
  • ✅ It is the most popular choice
  • ✅ 20.000€ investor compensation scheme included
  • ⏸ The buyback system is not working as well as before

mintos team p2p

Mintos isn’t the best one in terms of returns (though they are still very high) but it ranks first for many other parameters I value.

The diversification, both by type and by geographic area, guaranteed by Mintos is rather unique. This makes it presumably safer.

What’s good with Mintos?

Investor love its BuyBack formula because, so far, it worked 99% of the times.

All Mintos loans originators promise to re-buy their loans (available on Mintos) that are later than 60 days.

Mintos’ finances are somehow separated from those of the loan originators, so virtually, if one of its originators goes “belly up”, Mintos would be not be very directly hit.

Mintos has more than 500,000 active investors from 74 countries.

All the loan originators need to keep in their wallet from 5% to 15% of each loan, in order to share the risk with investors.

Info about Mintos:

  • Mintos has expanded beyond loans, now with bonds and ETFs
  • Minimum investment: €10
  • Average interest: from 6% to 17%
  • Secondary market: paused
  • Buyback guarantee net: YES
  • Online experience: Excellent and intuitive. Statistics are clear and easy to read.
  • Regulated: Yes
  • Languages: 7

✅ Cashback for new sign-ups: 50€ + 1%

Find out more about Mintos Promo codes and real 1% refer a friend links.

My Tip: I only buy loans in Euros / Status: current / Amortization method: full

Tip for beginners: Test the “Invest & Access” formula (conservative portfolio) to get started right away, then add some “custom portfolio”.

Take action now :

Read What is my direct experience with Mintos

Mintos alternatives?


Debitum Investments ★★★★☆

Debitum Investments over the years has proven to be reliable.

  • ✅ It is very technological
  • ✅ Based in Latvia
  • ✅ Average interest up to 15%
debitum investment ceo

Info about Debitum Investments:

  • Minimum investment: 10€
  • Average interest: up to 15%
  • Languages: 6
  • Secondary market: no
  • Buyback guarantee net: YES
  • User experience: Smooth
  • Regulated:  Yes, from the Financial and Capital Market Commission (FCMC)
  • Less loan originators compared to Mintos
  • ✅ Cashback for new sign-ups: X

My tip: Diversify on more loan originators

ALTERNATIVES TO Debitum Investments (previously Debitum Network) : Peerberry, Mintos


RoboCash ★★★★☆

Robocash over the years has proven to be a reliable income generator.

  • ✅ It is very old and popular
  • ✅ Based in Croatia (out of the Baltic region)
  • ✅ It is also generating its own loans
  • ✅ Average interest up to 14%

robocash best p2p lending

Info about RoboCash:

  • Minimum investment: 10€
  • Average interest: up to 14%
  • Languages: 4
  • Secondary market: Yes
  • Buyback guarantee net: YES
  • User experience: Very smooth
  • Regulated: No
  • Less loan originators compared to Mintos
  • ✅ Cashback for new sign-ups: X

My tip: Diversify on more loan originators

Read what I think about Robocash.

ALTERNATIVES TO ROBOCASH: Peerberry, Mintos


Estateguru ★★★★

Why Estateguru is the best real estate crowdfunding platform in Europe?

✅ It is the biggest in euro for real estate loans

✅ They publish the outstanding and the full load book

✅ It is one of my best picks⚜️

estateguru p2p website team
Most Estateguru users are happy

EstateGuru is a tool for secured property-backed loans.

I am a very satisfied investor and I have zero late loans with >11% yearly return. In my opinion this is one of the best peer to peer lending for real estate (crowdfunding).

Info about Estategugu:

  • Minimum investment: €50
  • Average interest: 10,7% (1% a month)
  • Secondary market: YES
  • Buyback guarantee net: NO (but all real estate loans are property backed)
  • User experience: Very good
  • Languages: 4
  • Regulated: Yes
  • ☑️ Bonus for new sign-ups: YES 0,5%

My Tip: I diversify on many loans and prefer “bridge and development loans” backed by a “first rank” mortgage.

I avoid German and Finnish loans like plague.

Take action now :

Read what I think of EstateGuru

ALTERNATIVES: Reinvest24


IUVO Group ★★★★☆

Why so many investors choose IUVO P2P?

✅ One of the “safest” P2P marketplaces

✅ License by the Estonian FSA

✅ Originators have 30% skin in the game

iuvo p2p team ceo
The faces behind IUVO peer to peer lending marketplace.

IUVO is based in Estonia but it has connections (and loans) in Bulgaria.

Bulgarian loans are well known to be good and all originators on IUVO have to hold 30% of the loan amount. This is to fairly share the risk with investors.

Doing so, even if the loans here are “indirect”, the platform can be considered quite safe and reliable (P2P investing is risky anyway).

Info about IUVO:

  • Minimum investment: €10
  • Average interest: 13%
  • Secondary market: YES
  • Buyback guarantee: Yes
  • User experience: Cool
  • Languages: ENG BUL GER ESP
  • Regulated: Yes
  • ☑️ Bonus for new sign-ups: X

My Tip: Do not focus on one or two lenders

ALTERNATIVES: Peerberry, Mintos


Peerberry ★★★★

Peerberry is performing really well since inception.

  • ✅ It is big and popular
  • ✅ It is connected to a very large lending company (Aventus group)
  • ✅ Average return up to 12,1%

peerberry best p2p team europe

Info about Peerberry:

  • Minimum investment: 10€
  • Average interest: 11.1%
  • Languages: 3
  • Secondary market: NO
  • Buyback guarantee net: YES
  • User experience: The sleekest ever.
  • Loan originators are sometimes connected to the parent company
  • Regulated: No
  • ✅ Cashback for new sign-ups: 1% bonus

My tip: Diversify on more lenders and make sure you don’t have too many overlapping with other P2P (advanced users only)

ALTERNATIVES TO PEERBERRY ARE: MINTOS


Flender ★☆☆☆

Why Flender is the best option for business loans?

  • Unfortunately Flender is not good anymore (update 2023)

Flender has had very good stats but now not anymore, the growth has come to a stop.

Flender is an Irish peer to peer lending business founded in 2015. It could have been good for investors that feel too exposed on Latvian/Estonian P2P platforms.

Flender is now charging 12€ per month to investors that cannot exit the platform.

Flender website is smooth and all the data and settings an investor may need are at hand. Secondary market is not available, autoinvest (the autoFlend) is easy to setup. Never forget it is geographically limited to one country. Risk is extreme with business loans.

Info about Flender:

  • Minimum investment: 50€
  • Buyback guarantee: NO
  • Average interest: X
  • Languages: English
  • Regulated: Yes
  • Cashback for new sign-ups: No

My tip: I do not use Flender anymore. It has been a disappointment. I avoid “V” class loans as an additional protective measure.

Take action now:

Learn what I think about Flender (review)

Alternatives: Mintos


Peer-to-peer lending platforms Europe ranking

NameLinkRisk/
Reward
AgeMin
invest
MintosGo to website⭐️⭐️⭐️⭐️⭐️201510€
RobocashGo to website⭐️⭐️⭐️⭐️201710€
EstateGuruGo to website⭐️⭐️⭐️⭐️201350€
IUVOGo to website⭐️⭐️⭐️⭐️201610€
PeerberryGo to website⭐️⭐️⭐️⭐️201710€
BondoraReview⭐️⭐️200810€
Twino⭐️⭐️⭐️200910€
Evo⭐️⭐️201950€
Crowdestate⭐️⭐️2013100€
Funding
Circle
Go to website⭐️⭐️⭐️2010X
ViainvestGo to website⭐️⭐️⭐️201610€
Best peer-to-peer lending platforms in Europe list

LET’S SUM UP

Is there a best P2P lending for beginners?

Every investor is different, but if I had to choose just a few platforms from this list to guide a friend who is about to start investing in P2P loans, I would say:

  • Mintos because it is big, totally automated and diversified
  • RoboCash is doing well and it is based in Croatia
  • Estateguru, because its auto invest, reliable and potentially safer (11%)
  • Rendity is a nice Austrian Real Estate Crowdfunding (7,4%)
  • IUVO, because it is well run by experienced management and because it is more regulated (11%)
  • Peerberry because it is still one of the lergest P2P with personal loans
  • Flender, disappointing, business loans are often a bad deal for retail investors

Now that we know which are the best P2P websites in Europe, let’s move on to how to invest.


How to invest in P2P loans now?

Investing in peer to peer lending is simple and accessible.

Requirements to invest:

  1. Being 18+ years old
  2. To own a bank account in Europe

You’ll be required to be +18 years old and to own a bank account in Europe. International investors may use a Revolut / Transferwise for the above mentioned tools to deposit, invest and withdraw money.

In many cases it is enough to register, deposit via credit card and start a 1-click investing procedure. No further action is required over time and no difficult questions are asked.

P2P lending minimum investment in Europe is very low (10€ to 100€ on average) and annual returns can be extremely high.

What I believe is important is to fully understand how it works and what are the risks and the benefits. To balance risk and reward is key. Beside choosing the best peer to peer lending website it can be convenient to adjust the auto invest settings properly.

Since investing in loans, like every investment, can be risky, it is important to focus on safety and to aim for the safest loans instead of searching for the highest average interest. Do not rely too much on the buyback guarantee.

In order to invest in P2P lending the workflow is:

  1. Choosing the best peer to peer lending websites
  2. Register
  3. Deposit the money to invest
  4. Activate the auto invest feature
  5. Cash in or reinvest the interest

How do I start peer to peer lending?

To start investing in P2P lending I need to:

  1. pick a P2P lending platform I trust
  2. register as an investor
  3. deposit a sum of money
  4. scroll throug the loans on offer
  5. activate the auto invest feature or invest manually

From now on I will:

  • receive interest on my invested money
  • reinvest all the money I earn by reinvesting it in new loans

How to automate the peer to peer lending process?

One of the best things about P2P loans investing is that most platforms provide one or more investment automations to retail investors.

The investor can set the automation with a few clicks (sometimes just one click) and the platform will keep on buying and manage the loans for him.

The biggest benefit beyond the hands-free is that all the money from the interest earned lending money could be automatically reinvested and thus generate compound interest.

The best peer to peer lending auto invest are:

How do I protect my money invested in loans?

Investing in loans is a rather new way to invest money. This is why it most investor want to know how safe is P2P lending.

Different peer to peer lending websites offer different levels of protection to the investor.

1. Early exit

In most cases peer to peer lending platforms allow to sell the loans before the expiry date. Let’s call it “early exit” or secondary market.

This gives a good level of protection because I am free to leave whenever I want. Unfortunately this applies in reality only in normal market conditions. To sell a loan I need another user ready to buy it and this is not always the case, especially if that loan is late.

2. Buyback guarantee

A very frequent protection given to investors is called “Buy Back Guarantee” (or late loan repurchase).

Marketplace lending like Mintos, IUVO and Peerberry offer this feature to their investors.

How it works?

The problem the buyback policy aim to solve is that some loans are not paid on time.

When I buy a loan and the borrower is late in payments for more than 60 days, the loan originator that issued that loan will have to buy it back and refund me the money I’ve invested.

Beware, it is not the marketplace that promises to buy back your late loans. It is a loan originator duty. So, before trusting this system 100%, it is smart to make sure the loans we pick are offered by a solid lender that will honor the buyback promise.

3. Diversification

One of the best ways to invest in peer-to-peer lending opportunities is to lower risk through diversification.

Using more P2P platforms to invest will expand to numbers of loans and loan originators we have to trust. Doing so we directly lower to risk. If one loan goes late it won’t be a big issue since I will have a thousand more loans that are regularly paying. Same applies to lenders. If one loan originator does not honor the buyback guarantee (yes, it can happen) I will have other 20+ that are doing fine.

Don’t make the mistake to think short term loans are safer.

Now let’s see the best peer to peer lending websites in detail…


Is peer-to-peer lending legal?

Peer to peer lending is legal and loans are an alternative to bank loans nowadays.

Peer to peer lending is legal in most western countries.

Moreover, the majority of the P2P lending websites are regulated in their country of origin.

P2P lending is legal in Europe, UK and US.


🇬🇧 BEST P2P LENDING WEBSITES in the UK

(mostly for Uk citizens only)

best uk p2p ifisa

I wish every country could have Ifisa, not only UK.

The United Kingdom is undoubtedly the biggest and most structured market of p2p lending. In the UK, in some cases, it is possible also to request tax breaks for this type of investment. It’s called IFISA (Innovative Finance Individual Savings Accounts) and it allows to investing up to £20,000 per year tax-free (which can be cumulated).

Here is a list of the best peer to peer lending in the UK:

  • Funding Circle (UK – DE – USA)
  • Zopa
  • Ratesetter
  • Bridgecrowd
  • Kuflink

Funding Circle 🇬🇧 (UK only)

The most famous British p2p is now also available in the US.

The first time I heard about p2p was precisely in relation to Funding Circle, and since then I was introduced to a (beautiful) world.

This platform only deals with business loans, that is to say, it gives credit to businesses and it affirms to have 72,453 investors who have lent 2.7 billion pounds, earning 135 million in interests. These are impressive numbers also thanks to some institutional investors.

Everyone can invest, you just need to be over 18 years old and to be living in the UK.

Info about Funding Circle:

  • Minimum investment: £20
  • Returns: from 4.8% to 7.5%
  • Secondary market: YES
  • Buyback guarantee: NO
  • Online experience: Modern website and top user experience. High returns
  • Languages: 3
  • Uk De USA only

🇩🇪 Best Peer-topeer lending platforms in Germany

German investors have access to all the best social lending websites in Europe to invest in loans.

The most popular P2P platform in that area nowadays is Rendity, an Austrian based real estate crowdfunding that is down very well.

Here is the list of the peer-to-peer lending websites in Germany:

  • Exporo
  • Zinnest
  • iFunded
  • Auxmoney
  • Marvest
  • Companisto

Most of these P2P platforms are only in german language and way be only accessible form German investors.

What is P2P lending in Germany?

Peer to peer lending in Germany is a model of investment that is based on crowdfunding to finance personal expenses of borrowers we don’t know personally.

The P2P lending process is automated through loans marketplaces of P2P platforms.


Download my personal P2P Lending checklist

peer to peer lending checklist blueprint revenueland
A time-saving list for new and old P2P investors.  How do I try to reduce risk and maximize performance while investing in P2P loans. It’s free to read!

✅ Benefits of peer to peer lending investing

The main benefit of investing in peer to peer loans is the access to some very high revenue investment with a potentially adequate risk.

The success of peer-to-peer technology started with music file sharing. Napster, eMule (..the slowest one) and then Torrent, then with movies on p2p. Now with p2p sports streaming and p2p payments.

The attention is now all on peer to peer lending, the one with the loans, and it isn’t difficult to understand why.

HOW SAFE IS P2P INVESTING?

Here’s my point of view on peer to peer lending for those who are investing in Euro (and not only). This is my experience.

The truth? I was skeptical like you.

YES, I really was. Now, after some years, I am careful in loan picking, I recognize the risks involved and I am very happy of the outcome.

Now read what’s important to know in choosing the best P2P.

Compare P2P lending websites in Europe


What is peer to peer lending? (in brief)

P2P Lending is a new tool for individual investors to lend money to other people and business.

The operation is rather simple:

  1. Loans approved by some credit/finance companies are partially or totally offered online.
  2. Those who wish to invest in loans can do it on the dedicated P2P websites.
  3. Anonymously, one proceeds to a single purchase of loans, automatically or in bulk with the criteria that one have set up.

The ease and the immediacy of the operation is surprising.

“Social lending” (P2P) for me is a way to create both additional streams of income (and compound interest) with a decent risk/return ratio in a”low-interest era”. Everyone is looking for a ranking of the best crowdlending websites available, so I wrote my definitive answer.

best peer to peer handshake

There is mutual interest in P2P lending. Borrowers can get liquidity out of the banking circuit. Lenders get high average interest on this debt.

Direct loans between private citizens are enjoying great success.

How old is P2P lending?

The first service of this kind was offered by Zopa already in 2005 in the UK, and it’s still in operation.


🚫 SOCIAL LENDING IS NOT FOR EVERYONE

This is true for two reasons:

  1. One is skepticism. Most people just don’t trust new financial tools because they’ve never heard of it. It is easier to head to the bank and delegate everything without even understand what do they do with our money, right? (It took me months to trust and start investing in P2P loans)
  2. Another reason is greed. When people are asked to choose between 8% and 35% yield many get wrong and go for the second. It would be ok, but very often the loans that offer the highest annual returns are also the loans with the worst performances in terms of punctuality.

I find it safer to balance risk/reward in P2P lending.

Is P2P lending right for you? selecting candidates

Things to know about peer-to-peer lending

There is an increasing demand for the “safest” class of loans from the smarter investors. It is important to make the system select for us the best and safest loans for us when possible.

After all, the returns are definitely high compared to what’s on offer on the market today.

This is an age of low interest rates and low inflation, it is hard to find good deals around.

This blog is not a recommendation to invest in any of these tools. 

It is just one more point of view from someone who is invested from some time already.

It may inspire those who are just starting out, and those who want to take it up a notch but have no time for studying the mechanisms.

Am I protected by the European deposit guarantee scheme?

No, the DGS does not apply to money invested in loans.

Keep in mind that the loans aren’t always guaranteed and, even if they are, some limits and conditions apply. It is appropriate to choose loans with reasonable ratings even if you know you could then sell it os the secondary market. Outstanding balance is to control.

Short term loans are not safer.


Video best P2P lending platform on Youtube

Here is the best peer to peer lending video to explain peer to peer lending just to anyone:

Peer-to-Peer Lending (AKA P2P Loans or Crowdlending) Explained in One Minute
Best peer-to-peer lending video ever

Actual Social Lending situation in Europe

P2P lending is gaining populatity among European investors.

More regulations ar coming in the next years following a process that is already in place in th US.

Uk has the biggest market for P2P but unfortunately, their tools are most suitable for UK investors.

Other big and often reliable p2p platforms are in the Baltic countries.

Their stories are more recent, but they are raising millions of euros in record time. Perhaps they are solving the problem of those individuals and companies who, often unfairly, cannot obtain credit in the traditional way.

For those who can speak German, there are also AuxMoney, Smava and Zencap.


🚦How ethical is P2P lending?

esg-p2p-lending-ethical-legal right wrong

Doubts of the ethicality of some loan originators.

Some originators in some countries charge borrowers with very high rates on personal loans. This happens for a series of reasons that aren’t always caused by some not-to-ethical practices.

On one hand, some of these individuals/ businesses wouldn’t find easily credit elsewhere.

On the other hand, a short loan of a small amount of money is obviously subject to relevant fixed costs (in relation to the amount) that make the total cost of the loan go way up.

It is possible to get informed before investing to ensure that the rates applied to borrowers are sustainable.

Example of ethical P2P

There are clear and transparent ways to invest ethically using new technologies.
The most brilliant example of the application of blockchain to the world of loan investment is undoubtedly EthicHub.
Indeed, this company manages to connect small farmers from Central America to investors all over the planet.
The result is a positive social impact but also average interest of around 9% for those who invest.
The default rate at the moment is low, only 1.2%.


🌈 No-profit P2P Lending

kiva best p2p no profit

Ethical peer to peer lending is a must. The feeling I get when I have a loan repaid (no interests) from someone far in the world is priceless! I feel I am actively helping someone with a specific project.

On Kiva, we can finally lend without interests to people with small projects in developing countries. I’ve done it and the feeling of helping people is amazing, the website is awesome and it is even possible to gift a 25$ coupon to whoever we want to.

You don’t make a profit on Kiva, but you have the certainty to be doing some good, and that’s wonderful. I think it’s an extraordinary gift idea.

Visit Kiva

Similarly to Kiva, we have lendahand.com, Zidisha.org , Trine.com (profit 7%), Fundeen.com and BabyLoan.org


✅ Final considerations and best P2P lending websites for investors

best p2p lending for investors

In my opinion Mintos is the most accessible to anyone and it is easy to start with (open to international + non-resident investors).

They both have a 1-click auto invest.

  • Debitum Investments is doing a good job (up to +15%)
  • EstateGuru is my pick to invest in property-backed loans (12,24%)⭐️
  • Mintos is also suitable for just anyone, even large and institutional investors
  • Peerberry is doing very well and it has founded more that 1M euros
  • IUVO-Group is an alternative (or supplement) to Mintos.
  • Crowdestate is not growing anymore
  • Lendix/October is not performing well anymore. On Lendix is more complex evaluating the risk

Sometimes there are P2P cash-back campaigns available for new subscribers. I myself took advantage of those campaigns but the bonus is never my main reason to invest.

Other peer to peer lending platforms that I am examining are Evoestate, Lendermarket (a former Mintos lender) and Nibble.

As you can see there is not an absolute best peer-to-peer lending platform in Europe. What is possible is to pick 2 or 3 of the most established ones to start with the root foot.

Now it is your turn!

Which is the best peer-to-peer lending for you?

Write in the comments below your experience with the best P2P lending platforms in Europe.


📍 What is the best peer to peer lending site?

Mintos is a very popular choice among the P2P Lending sites. It is considered the best P2P platform for investors in Europe.
Learn more about Mintos.
 

📍 What is the best P2P Lending website for high returns?

P2P investing is a risky practice, so it is better not to seek for the maximum return. It is safer to aim to a balanced loans portfolio.
Diversification on the best few platforms may be a good idea to protect the invested capital.
 

📍 What are the benefits of P2P loans investing?

The risk/reward balance may be very good in some cases.

📍 Can you make money with peer to peer lending?

Per to peer lending can be a good way to make some extra money. The high returns often bring a fair share of risk.

📍 Is P2P Lending safe?

P2P Lending is a risky business but most investors accept to allocate a small part of their portfolio in order to benefit from the high interest payed on the lended capital. Always check the loan book and the platform your due diligence and check the track record.

📍 Is P2P lending risk-free?

Investire in P2P lending is not risk free.
The main risk with P2P lending investing are lending company, lending marketplace and borrower defaulting. Investing throughh transparent P2P websites can reduce these risks.

📍 How much can you make doing peer-to-peer lending?

According to authoritative research by BusinessToday investing in P2P lending offers hypothetical returns of around 14% per annum.

Can I make money from P2P lending?

It is possible to make money from peer to peer lending but it is also important to be aware of the risk involved. The chances of losing the invested capital are real. Use the auto invest wisely.

What is the largest P2P lending platform?

The largest and best peer to peer lending platform in Europe is by far Mintos but the largest P2P website in the world is Lending Club.

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91 thoughts on “Best European P2P Lending Platforms 2024 ⭕️ Tested (security & return)

  1. Gert Zimmermann says:

    This is the best article about P2P lending I’ve read so far. Maybe there is too much focus on UK tools which can be unaccessible to non residents. I’ve also downloaded and printed your free checklist and ready to give a second look to Bondora.

  2. gomes says:

    I am happy today that I have received a loan from this legitimate company after many years of financial fall and I have also been fooled in the process until I find this great man who helped me with a loan of $ 33.000 and I advise all candidates to get in touch with this company via email: xxx

  3. Toni says:

    My strategy is to keep most of my P2P liquidity on bondora go and grow and cash-in to invest on other platforms when I want. Doing so my money is always working. Go and grow is really serving my instant 100% liquidity.

    • Revenue Land says:

      Welcome here, Peter. Thanks for writing.
      Honestly the aim of my blog is not to recommend something. I prefer to inspire and be inspired by my visitors.

      I am learning a lot, and my ideal readers are educated investors, able to make their own decision in freedom. Boring people, like me…

      I know some old Bondora users have many overdue loans.
      There are 3 clear reasons for this:

      1. They were greedy while setting up their portfolio.
      2. They were not aware of how portfolio manager works.
      3. …there wasn’t Go&Grow before.

      That being said, most Bondora users I know are profiting and are happy to face small losses in exchange for good gains on the majority of the loans. Moreover, statistically many late loans were recovered in the past years.
      You are an investor, you know that P2P is for the long term, it involves risk and profit and it takes time to draw conclusions.
      I can’t resist saying that less than 3% of my loans are overdue and I’m anything but a genius. I’ve tried to learn from others’ mistakes and from numbers and stats before investing.

      NB:
      All my (few) Bondora’s late loans have 1 thing in common 🔮 and I have written about it in my newsletter:
      http://bit.ly/NewsFromRevenueLand

      • Peter says:

        Alright, 3% is impressive. Are you only using Go&Grow now? And have you calculated your actual returns over the past years with Bondora?

        • True from Revenue Land says:

          Hi Peter, I know most people can’t believe I have so little late loans, but it is normal for me (and for my readers) not to use portfolio manager (if not to start and test) and to avoid any (C) D E F and HR loans. To be honest, sometimes I also make some strategic cleanings to optimize performance ( I am becoming a P2P nerd I guess). I use Bondora for the long term, so I don’t check my P2P performance too often. Go & grow loans include around 50% of DF class. I use it for testing but I prefer the Portfolio Pro.

  4. Mintos says:

    Mintos is really good platform with rapidly growing investor and Loan Originator count. Easy to use and understand. Would recommend to everyone. If you are interested in peer-to-peer lending on Mintos use this promo CODE to get BONUS for your deposits: U7Z0PF

  5. George K. says:

    Wow! This can be one particular of the most useful blogs We have ever arrive across on this subject. Actually Fantastic. I am also an expert in this topic therefore I can understand your effort.

  6. Otto Mayer says:

    I followed this list some months ago and started with Bondora and Mintos. Very satisfied with both, my only regret is that I should have started before. I can see from another blog article that you don’t like Envestio. Do you know any other good revenue website like that one? We see us next article.

  7. P2Pmaniac says:

    I’ve downloaded and printed both your free pdf. Tomorrow I’ll also start testing your best p2p websites. Wish me good luck

  8. Will K. says:

    Nice read, I just passed this onto a colleague who was doing a little research on that. And he just bought me lunch. Therefore let me rephrase that: Thanks for lunch!

    • True from Revenue Land says:

      Flender bonus for new investors is huge but beware⚠️
      Who takes advantage of it? Not many I guess.
      This is because most investors (..I did the same mistake with Mintos some years ago) wait too long to invest, and the bonus is paid only within the first 30 days. Moreover Flender is young and geographically limited. I use it in synergy with other investments, not alone for safety reasons.

  9. anonymous says:

    I don’t understand all the positive reviews on Bondora, virtually 25%, actully -0%. I was in for many months, I spent hours and hours everyday on the website, but whatever I would do my lendings would get into default. And the rate was so highly growing and alarming that I soon understood that the default rate was higher that the interests I was getting. I managed to sell most quotes, my results after 8 months were negative!!!
    I now use GO&GROW which is great (no work to do, steady 4% income), but the rest is just shit for me… Maybe with an automated investment strategy works, but I am not a programmer… who uses their APP has a great advantage, but it is for programmers.

    • True from Revenue Land says:

      I’m glad you finally found peace using Go & grow Bondora 4%.
      As you say, using the Bondora API would be the best way, but too complex.
      I’ve made it simple on Bondora:
      Only AA-A-B (and C) rated loans mainly form 🇪🇪 and everything works smoothly.
      Bondora is real P2P lending, without the “anaesthesia” of the buyback provided somewhere else in exchange of lower rates.
      More challenging & potentially much more rewarding.
      In order to sell late loans wisely I wrote this: http://tiny.cc/jyokbz
      Keep testing!

      • anonymous says:

        GO & GROW is perfect for my needs and I have invested now on Mintos, I have only 1 month there, 12% it says :). But I am learning. I am ok with 10% as well if this lowers the risk, so I need to figure out the sweet spot between risk and interest.
        I also have investments in Housers, I absolutely loved it at the beginning but now the interest is too low (maybe 4% or less) with 90% of my money in non liquid investments… so slowely as I get money back from there, I will move them to Mintos. Also, I look for other platforms, it is more confotable to have investment in different places after all :).

    • True from Revenue Land says:

      Honestly I don’t choose and I don’t recommend any P2P in particular. The 2 tools can work in synergy for me because they have different characteristics. I like them both after 4 years.

  10. Xavi says:

    I agree on your good rating for Mintos and Bondora and Estateguru. I am skeptical about Flender. I don’t understand why you don’t mention fastinvest, swaper, viventor, grupeer, envestio

  11. QWERTY says:

    If this are the best p2p lending, why do you include envestio and then you say it is not one of the best?

  12. Yachts on sale says:

    My and my wife just registered on Trine. Is there a way to set an automatic investment?

    • Sal from Revenue Land says:

      Yes, they call it “monthly investment” (I don’t know why it is hidden under the how-it-work page). The investment criteria are reasonable and easy to understand. Min is 50€ per month and above 500€ per month there is an extra 2% (of the fee Trine gets on the project).

  13. Olga Moscow says:

    Thank you for introducing me to bondora, I have the go and grow and it works ok. I’ll write you more questions privately on other p2p websites you don’t mention here and their availability in Russia if you don’t mind.

  14. Germaninvestor says:

    I am following you since the beginning.
    Thanks to you I have been able to avoid the shitty p2p, focus on the big ones and I am profitable. Good job. I mean it.

    • True from Revenue Land says:

      That’s true, Nirvana. For business loans I only mention Flender and just because they have been for many years on the market with reasonably low default rate. Interest rates there are much lower than what was on offer on Quetzal.

  15. George says:

    True, I think you should be transparent as how much platforms pay for reviews. It can be the only explanation as to why you push Flender so heavily given they are not being honest about their default rates. The actual default is multiples of what they report so if you did your homework you would know this.

    • True from Revenue Land says:

      Wow, I’m very happy to answer, George. Transparency: Only few P2Ps so far have dared to ask me to be mentioned here in exchange of a generic “contribution”. One was Envestio. The same Envestio have never asked me to remove my March 2019 bad review.
      Housers’ P2P people were nice and called just to send me new data and features I hadn’t mentioned before in my 2018 very mild review.

      There will never be a way (until I own it) to appear here or in the comparison table by supporting this website. Never.

      Flender had a 0,2% default rate when I started and now it is officially 0,8% (+120 days). The few delays are not affecting much my performance due to the diversification I’ve implemented in almost 2 years.
      Anyway, I take in serious consideration your comment and I’ll ask Flender for fresher data to publish.
      I don’t push Flender, I report what I know. Help yourself and search for the word “recommend” on this website. You wont find it.

  16. Thank you revenuealand says:

    Last year you avoided me to invest with Envestio!!!!
    May God bless YOU and your website, just everyday.

  17. Mr Square says:

    I did not listen to your bad opinion on Envestio last year, but it was just a few hundreds euros, no big deal. How do you know things before others?

    • Sal from Revenue Land says:

      I’m up to date on the p2p market and other alternative investments, but no, most of the time I don’t know things before the others. I’m part of the Mintos investors club (and a few more advanced investors’ programs), so maybe Mintos makes me do investor tests before the public, but I don’t have any vital or confidential information. I share what I know and a little bit more to newsletter subscribers.

  18. James Connery says:

    Didn’t know flender. I’ll give it a try. Good for me to get some loans out of latvia-estonia. It seems to me that 99% of P2P are from those countries.

    • Sal from Revenue Land says:

      Most of the platforms come from these countries because they offer a good environment for these companies. Estonia and Latvia also have (and attract) highly qualified professionals. Flender.ie is Irish but only offers loans to companies, a very specific and particular class of loans. I like Flender for a number of reasons and one of the reasons is that it is not located in Latvia-Estonia.

  19. Werner says:

    “Auxmoney” (Germany) sparkles by it’s absence here, but is quite big in Germany. Is it’s absence because of lack of access (outside of Germany), or some other reason?

    • Sal from Revenue Land says:

      Good point. Auxmoney is very big (and growing) and deserves a mention but unfortunately it seems that it is still not available to investors outside Germany and the site is only in German.
      I have nothing against Auxmoney, except that it is geographically limited to only one country. Thank you for your question.

  20. Sonia says:

    Here in the US p2p lending is not a big deal anymore. I guess in Europe will be the same within a few years from now. Which platforms I am allowed to invest from the US?

  21. Garrison says:

    Excellent list but I would add more platforms from the Uk.
    Unfortunately Mintos is still not available in the UK.

  22. MisterJason says:

    I came across this article again after months.
    I have to thank you because I copied 4 sites that you use p2p and in 13 months I’m doing great.
    Flender is what fascinates me the most but it has few projects. It’s another great choice. Keep it up.

  23. Athen investor says:

    I can see you have made some updates from my last visit.
    I agree on IUvo, it is the last I added to my P2p portfolio last January.
    Flender is the next one.

  24. Max says:

    I’ve registered to Mintos and IUVO last year after reading this. It is the first time I make some money online by myself. A deep thank you for the guy who wrote this.

  25. Eva Smith says:

    While someone causes panic, I prefer decentilized projects. For example, x p2p. No one can provide us safety of privacy but x solved our solution.

  26. David says:

    Thanks for sharing your research on these platforms.
    You may wish to update the info on funding circle, they are no longer accepting investors in the Uk.

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