Afranga
Business14.75% Returns
Pros
- High returns
- ECSP regulated
- Business loans
- Good track record
Cons
- Bulgarian focus
- Less known
Verdict
Great regulated option with high returns. Focus on business loans in Bulgaria.
Find Your Perfect P2P Platform
Independent comparison of European P2P lending platforms with fiscal calculator.
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Platform Comparison (23)
| Category | Lending model | Reg | Register | |||||
|---|---|---|---|---|---|---|---|---|
| #1 Nectaro | Consumer | Marketplace | 14.9% | 78/100 | MiFID II · Latvijas Banka | 1% Newbies Cashback Eligible referral/partner link • invest at least €300 in Notes during the first 30 days • 1% cashback on the average daily invested balance • paid by the 15th of the following month | €50 | Register |
| #2 Afranga | Business | Mixed | 14.75% | 68/100 | ECSP | 0.5% Cashback Partner-link offer • 0.5% cashback during the first 90 days | €10 | Register |
| #3 InRento | Real Estate | Marketplace | ~12% | 89/100 | Lithuanian CB | Up to 50€ Fixed Bonus €20 bonus for a €500 investment • €50 bonus for a €1,000 investment | €100 | Register |
| #4 Letsinvest | Real Estate | Marketplace | up to 12% | 84/100 | ECSP | — | €100 | Register |
| #5 PeerBerry | Consumer | Mixed | 11% | 80/100 | ECSP | 0.5% Welcome + Up to 1% Loyalty Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%) | €10 | Register |
| #6 LANDE | Agricultural | Marketplace | 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 | Register |
| #7 Indemo | NPL | Marketplace | 15-18% | 76/100 | Regulated | 25€ Fixed Bonus Referral/partner link • first single investment of at least €50 within 90 days • €25 investment credit (not directly withdrawable) | €100 | Register |
| #8 Crowdpear | Real Estate | Marketplace | ~10.58% | 72/100 | ECSP | — | €100 | Register |
| #9 Go & Grow (ex Bondora) | Consumer | In-house | ~6% | 71/100 | Regulated | 5€ Fixed Bonus New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | Register |
| #10 Income Marketplace | Consumer | Marketplace | ~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 | Register |
| #11 Mintos | Multi-Asset | Marketplace | ~12% | 69/100 | MiFID II | €20–€500 Fixed 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 | Register |
| #12 Modena | Consumer | In-house | 8.5-11% | 67/100 | Regulated | 25€ Fixed Bonus + Up to 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 | Register |
| #13 Digilo | Real Estate | Marketplace | 9-12% | 66/100 | ECSP | 1% Cashback 1% referral cashback on Primary Market investments during first 60 days • Both parties | €150 | Register |
| #14 Triple Dragon | Gaming | In-house | 14% | 64/100 | None | 1% Cashback Referral link • manual investment within 60 days • 1% for both investors | €50 | Register |
| ⚠️ Capital-at-risk zone From here, a short or untested history, recovery or liquidity uncertainty, counterparty concentration or weaker governance materially increase the chance of losing capital. Treat the platforms below as speculative allocations. | ||||||||
| #15 Lendermarket | Consumer | Mixed | ~14% | 58/100 | None | 75€ Fixed Bonus Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | Register |
| #16 Viainvest | Consumer | In-house | ~11.8% | 58/100 | Regulated | 0.5% Cashback Partner-link offer • cashback on the average daily investment balance during the first 90 days | €10 | Register |
| #17 SAVY | Consumer | In-house | up to 13% | 56/100 | Bank of Lithuania | 1% Cashback Referral programme • 1% of investments during the first 3 months • maximum €1,000 | €10 | Register |
| #18 Revest | Real Estate | In-house | up to 13% | 46/100 | None | Up to 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 | Register |
| #19 Debitum | Business | Marketplace | ~10% | 44/100 | Regulated | 20€ + Up to 2% Loyalty Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier | €50 | Register |
| #1 EtherFi | Crypto Staking | In-house | Variable APY | 38/100 | None | — | €0 | Register |
| #20 Monefit SmartSaver | Consumer | In-house | 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 | Register |
| #21 Mypeak.finance | Business | In-house | up to 16% | 27/100 | None | 1% Cashback Partner-link offer • investments during the first 60 days | €1 | Register |
| #22 FF Forest | Agricultural | In-house | up to 18% | 18/100 | None | 1% Cashback Partner-link offer • investments during the first 180 days | €500 | Register |
| #2 8lends | Crypto Lending | Marketplace | Variable | 15/100 | None | 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 | €100 | Register |
| #23 Asterra Estate | Real Estate | In-house | up to 14% | 15/100 | None | 1% Cashback Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately | €100 | Register |
#1
Nectaro
Consumer
✅
Returns
14.9%
Evidence DD
78/100
Buyback
❌
Min Inv.
€50
Lending model
Marketplace
Bonus
1% Newbies Cashback
Eligible referral/partner link • invest at least €300 in Notes during the first 30 days • 1% cashback on the average daily invested balance • paid by the 15th of the following month
Eligible referral/partner link • invest at least €300 in Notes during the first 30 days • 1% cashback on the average daily invested balance • paid by the 15th of the following month
#2
Afranga
Business
✅
Returns
14.75%
Evidence DD
68/100
Buyback
❌
Min Inv.
€10
Lending model
Mixed
Bonus
0.5% Cashback
Partner-link offer • 0.5% cashback during the first 90 days
Partner-link offer • 0.5% cashback during the first 90 days
#3
InRento
Real Estate
✅
Returns
~12%
Evidence DD
89/100
Buyback
❌
Min Inv.
€100
Lending model
Marketplace
Bonus
Up to 50€ Fixed Bonus
€20 bonus for a €500 investment • €50 bonus for a €1,000 investment
€20 bonus for a €500 investment • €50 bonus for a €1,000 investment
#4
Letsinvest
Real Estate
✅
Returns
up to 12%
Evidence DD
84/100
Buyback
❌
Min Inv.
€100
Lending model
Marketplace
#5
PeerBerry
Consumer
✅
Returns
11%
Evidence DD
80/100
Buyback
❌
Min Inv.
€10
Lending model
Mixed
Bonus
0.5% Welcome + Up to 1% Loyalty
Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)
Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)
#6
LANDE
Agricultural
❌
Returns
up to 14%
Evidence DD
77/100
Buyback
❌
Min Inv.
€50
Lending model
Marketplace
Bonus
1% Referral Cashback
Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties
Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties
#7
Indemo
NPL
✅
Returns
15-18%
Evidence DD
76/100
Buyback
❌
Min Inv.
€100
Lending model
Marketplace
Bonus
25€ Fixed Bonus
Referral/partner link • first single investment of at least €50 within 90 days • €25 investment credit (not directly withdrawable)
Referral/partner link • first single investment of at least €50 within 90 days • €25 investment credit (not directly withdrawable)
#8
Crowdpear
Real Estate
✅
Returns
~10.58%
Evidence DD
72/100
Buyback
❌
Min Inv.
€100
Lending model
Marketplace
#9
Go & Grow (ex Bondora)
Consumer
✅
Returns
~6%
Evidence DD
71/100
Buyback
❌
Min Inv.
€1
Lending model
In-house
Bonus
5€ Fixed Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
New investor: €5 • Referrer: €5 after €50 invested within 30 days
#10
Income Marketplace
Consumer
❌
Returns
~13%
Evidence DD
70/100
Buyback
❌
Min Inv.
€10
Lending model
Marketplace
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
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
✅
Returns
~12%
Evidence DD
69/100
Buyback
❌
Min Inv.
€50
Lending model
Marketplace
Bonus
€20–€500 Fixed 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
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
✅
Returns
8.5-11%
Evidence DD
67/100
Buyback
❌
Min Inv.
€50
Lending model
In-house
Bonus
25€ Fixed Bonus + Up to 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
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
✅
Returns
9-12%
Evidence DD
66/100
Buyback
❌
Min Inv.
€150
Lending model
Marketplace
Bonus
1% Cashback
1% referral cashback on Primary Market investments during first 60 days • Both parties
1% referral cashback on Primary Market investments during first 60 days • Both parties
#14
Triple Dragon
Gaming
❌
Returns
14%
Evidence DD
64/100
Buyback
❌
Min Inv.
€50
Lending model
In-house
Bonus
1% Cashback
Referral link • manual investment within 60 days • 1% for both investors
Referral link • manual investment within 60 days • 1% for both investors
⚠️ Capital-at-risk zone From here, a short or untested history, recovery or liquidity uncertainty, counterparty concentration or weaker governance materially increase the chance of losing capital. Treat the platforms below as speculative allocations.
#15
Lendermarket
Consumer
❌
Returns
~14%
Evidence DD
58/100
Buyback
❌
Min Inv.
€10
Lending model
Mixed
Bonus
75€ Fixed Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
#16
Viainvest
Consumer
✅
Returns
~11.8%
Evidence DD
58/100
Buyback
❌
Min Inv.
€10
Lending model
In-house
Bonus
0.5% Cashback
Partner-link offer • cashback on the average daily investment balance during the first 90 days
Partner-link offer • cashback on the average daily investment balance during the first 90 days
#17
SAVY
Consumer
✅
Returns
up to 13%
Evidence DD
56/100
Buyback
❌
Min Inv.
€10
Lending model
In-house
Bonus
1% Cashback
Referral programme • 1% of investments during the first 3 months • maximum €1,000
Referral programme • 1% of investments during the first 3 months • maximum €1,000
#18
Revest
Real Estate
❌
Returns
up to 13%
Evidence DD
46/100
Buyback
❌
Min Inv.
€0
Lending model
In-house
Bonus
Up to 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
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
✅
Returns
~10%
Evidence DD
44/100
Buyback
❌
Min Inv.
€50
Lending model
Marketplace
Bonus
20€ + Up to 2% Loyalty
Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier
Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier
#20
Monefit SmartSaver
Consumer
❌
Returns
7.5-10.5%
Evidence DD
32/100
Buyback
❌
Min Inv.
€5
Lending model
In-house
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
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
❌
Returns
up to 16%
Evidence DD
27/100
Buyback
❌
Min Inv.
€1
Lending model
In-house
Bonus
1% Cashback
Partner-link offer • investments during the first 60 days
Partner-link offer • investments during the first 60 days
#22
FF Forest
Agricultural
❌
Returns
up to 18%
Evidence DD
18/100
Buyback
❌
Min Inv.
€500
Lending model
In-house
Bonus
1% Cashback
Partner-link offer • investments during the first 180 days
Partner-link offer • investments during the first 180 days
#23
Asterra Estate
Real Estate
❌
Returns
up to 14%
Evidence DD
15/100
Buyback
❌
Min Inv.
€100
Lending model
In-house
Bonus
1% Cashback
Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately
Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately
Capital allocation
P2P works best as 10% of portfolio. Core capital needs more.
Use P2P for high-yield satellite exposure, then move profits out before risk compounds. Keep rest of capital where serious investors build long-term positions: regulated broker, ETF core, CFD tools when needed.
10% P2P sleeve for yield, diversification, platform testing.
Profits Withdraw gains regularly instead of leaving everything exposed to loan and platform risk.
Core Place main capital on broker built for ETF portfolios and CFD access.
Find broker on Brokerfind → Hall of Shame Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.
- Bondster: Missed buyback obligations and unresolved recoveries across several loan originators.
- Maclear: Insufficient independently verifiable financial reporting; PolyReg AML supervision is not an ECSP investment licence.
- 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.
🎁 Bonuses & Promotions
Nectaro
1% Newbies Cashback
Eligible referral/partner link • invest at least €300 in Notes during the first 30 days • 1% cashback on the average daily invested balance • paid by the 15th of the following month
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€ Fixed Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Revest
Up to 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
Up to 50€ Fixed Bonus
€20 bonus for a €500 investment • €50 bonus for a €1,000 investment
Debitum
20€ + Up to 2% Loyalty
Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier
Modena
25€ Fixed Bonus + Up to 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€ Fixed Bonus
Referral/partner link • first single investment of at least €50 within 90 days • €25 investment credit (not directly withdrawable)
Mintos
€20–€500 Fixed 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 + Up to 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% referral cashback on Primary Market investments during first 60 days • Both parties
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€ Fixed 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
No bonuses currently available
EtherFi
No bonuses currently available
Letsinvest
No bonuses currently available
Crypto platforms: check individual listings above for available bonuses.
📝 Platform Reviews
Detailed analysis of each platform based on my personal experience.
Nectaro
Consumer14.9% Returns
Pros
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Cons
- New platform (2023)
- MiFID II regulation does not eliminate credit and liquidity risk
- Limited track record
Verdict
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Mintos
Multi-Asset~12% Returns
Pros
- Largest platform
- Regulated
- €20K protection
- Many loan types
Cons
- Complex for beginners
- Past defaults
Verdict
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Consumer11% Returns
Pros
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Cons
- Lower returns
- Limited loan types
Verdict
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Mypeak.finance
Businessup to 16% Returns
Pros
- Travel-finance niche
- High target yields
- Low entry threshold
- Monthly payouts
Cons
- Not regulated
- New platform
- Limited track record
- Tourism-sector concentration
Verdict
Niche mountain-travel financing platform with attractive target yields, but it should be treated as high risk because of its short track record and lack of strong regulation.
Modena
Consumer8.5-11% Returns
Pros
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Cons
- Lower returns
- Limited loan types
Verdict
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
SAVY
Consumerup to 13% Returns
Pros
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Cons
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Verdict
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Letsinvest
Real Estateup to 12% Returns
Pros
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Cons
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Verdict
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Asterra Estate
Real Estateup to 14% Returns
Pros
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Cons
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Verdict
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.
FF Forest
Agriculturalup to 18% Returns
Pros
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Cons
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Verdict
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.
⚠️ Risk Warning
Investing in P2P lending platforms entails risks, including the risk of partial or total loss of the money invested. Your investment is not covered by deposit guarantee schemes under Directive 2014/49/EU, nor by investor compensation schemes under Directive 1997/9/EC. You may not receive any return on your investment. This is not a savings product and we advise you not to invest more than 10% of your net worth. This is not financial advice. In accordance with Regulation (EU) 2020/1503.
Product Roadmap
Mobile App
Native iOS/Android app for on-the-go portfolio tracking.
Portfolio Tracker Active
Real-time sync with platforms to monitor returns.
Smart Alerts
Notifications for new opportunities and platform updates.
👋 About Me — Francesco
Francesco from Italy, passionate about alternative investments and the democratization of finance.
I personally test every platform I recommend, investing my own money to understand the real user experience, risks, and returns.