Independent comparison of European P2P lending platforms with fiscal calculator.
| Category | Reg | Bonus | Register | ||||
|---|---|---|---|---|---|---|---|
| Digilo | Real Estate | 9-12% | 5/10 | ECSP | 15€ Bonus €15 welcome bonus for eligible new investors | €150 | Register |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Up to 6200 USDT Use code FRA555 • Up to 6200 USDT | €0 | Register |
| Nectaro | Consumer | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €10 | Register |
| PeerBerry | Consumer | 11% | 2/10 | ECSP | 0.5% Welcome + Up to 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | Register |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Up to 350€ Fixed Bonus GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | Register |
| Monefit SmartSaver | Consumer | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Register |
| Afranga | Business | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Register |
| InRento | Real Estate | ~12% | 2/10 | Lithuanian CB | 20€ Fixed Bonus First project • Min €500 | €100 | Register |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Up to 5% Cashback May campaign: 3%>300€ • 4%>1000€ • 5%>3000€ (until 31 May 2026) | €100 | Register |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Register |
| Lendermarket | Consumer | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Register |
| Maclear | Business | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback €15 after first €50 primary investment within 7 days + 3% cashback first 90 days | €50 | Register |
| Modena | Consumer | 8.5-11% | 2/10 | Regulated | Up to 1025€ Fixed Bonus Newcomer campaign on official site | €50 | Register |
| Viainvest | Consumer | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Register |
| Income Marketplace | Consumer | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Register |
| LANDE | Agricultural | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | Register |
| Debitum | Business | ~10% | 2/10 | Regulated | 20€ + Up to 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% by tier | €50 | Register |
| Bondora | Consumer | ~6% | 1/10 | Regulated | 5€ Fixed Bonus Welcome bonus • Invest €50 in 30 days | €1 | Register |
| Revest | Real Estate | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €0 | Register |
| SAVY | Consumer | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Register |
| Letsinvest | Real Estate | up to 12% | 5/10 | ECSP | — | €100 | Register |
| Bondster | Consumer | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Register |
| Asterra Estate | Real Estate | up to 14% | 6/10 | None | — | €100 | Register |
| FF Forest | Agricultural | up to 18% | 8/10 | None | — | €500 | Register |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC + 6% in 8LNDS tokens on every investment | €100 | Register |
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.
Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.
€15 welcome bonus for eligible new investors
GO- promo code • New investors • Invest within same calendar month • 90-day hold
Use code FRA555 • Up to 6200 USDT
Welcome: +0.5% 90 days • Loyalty: up to +1%
First 90 days • Gold/Platinum status
First 30 days • Max €200
5€ instant + 0.5% cashback (90 days)
First 90 days
First project • Min €500
May campaign: 3%>300€ • 4%>1000€ • 5%>3000€ (until 31 May 2026)
Invest within 60 days • Both parties
First 90 days
€15 after first €50 primary investment within 7 days + 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
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% 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
Crypto platforms: check individual listings above for available bonuses.
For tailored allocation guidance and portfolio reviews, visit Prince Allocation.
Visit Prince Allocation →Detailed analysis of each platform based on my personal experience.
Regulated real-estate crowdfunding platform with 9-12% target returns, €150 minimum investment, and a €15 welcome bonus.
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.
Best platform for beginners. Very user-friendly and reliable payments.
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.
Native iOS/Android app for on-the-go portfolio tracking.
Real-time sync with platforms to monitor returns.
Notifications for new opportunities and platform updates.
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.
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.