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.
Find Your Perfect P2P Platform
Independent comparison of European P2P lending platforms with fiscal calculator.
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Platforms
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Max Yield
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Avg Return
Platform Comparison (24)
| Category | Reg | Bonus | Register | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consumer | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | Register |
| Nectaro | Consumer | 14.9% | 6/10 | MiFID II · Latvijas Banka | 1% Cashback First 30 days • Max €1,000 | €50 | Register |
| PeerBerry | Consumer | 11% | 2/10 | ECSP | 0.5% Welcome + Up to 1% VIP Welcome: invest at least €10 within 30 days, then +0.5% for 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 |
| Digilo | Real Estate | 9-12% | 5/10 | ECSP | 1% Cashback 1% referral cashback on Primary Market investments during first 60 days • Both parties | €150 | Register |
| Mypeak.finance | Business | up to 16% | 8/10 | None | — | €1 | 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 July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 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 | 75€ Fixed Bonus Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | Register |
| Maclear | Business | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback €15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days | €50 | Register |
| Modena | Consumer | 8.5-11% | 2/10 | Regulated | 25€ Fixed Bonus + Up to 1% Cashback €25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000 | €50 | Register |
| Viainvest | Consumer | ~11.8% | 2/10 | Regulated | 15€ Fixed Bonus Referral link: invest at least €1,000 within 90 days • Both parties | €10 | Register |
| Income Marketplace | Consumer | ~13% | 3/10 | None | 1.0% Cashback 1% of the 30-day weighted average investment • Min €10 • Max €500 | €10 | Register |
| LANDE | Agricultural | up to 14% | 6/10 | None | 3% Cashback Primary Market investments during first 30 days | €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% + quarterly cashback by tier | €50 | Register |
| Bondora | Consumer | ~6% | 1/10 | Regulated | 5€ Fixed Bonus New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | Register |
| Revest | Real Estate | up to 13% | 5/10 | None | 0.5% Cashback Invest at least €10 within first 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 | 1% Cashback Referral link: manual investments during first 90 days • Both parties | €100 | Register |
| FF Forest | Agricultural | up to 18% | 8/10 | None | — | €500 | Register |
| EtherFi | Crypto Staking | Variable APY | 8/10 | None | — | €0 | Register |
| 8lends | Crypto Lending | Variable | 9/10 | 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 |
Monefit SmartSaver
Consumer
❌
Returns
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
0.25% bonus on net investments during first 90 days
Digilo
Real Estate
✅
Returns
9-12%
Risk Score
5/10
Buyback
❌
Min Inv.
€150
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
Mintos
Multi-Asset
✅
Returns
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Up to 350€ Fixed Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
Consumer
✅
Returns
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Up to 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Returns
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback + Up to 1% Loyalty
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Nectaro
Consumer
✅
Returns
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
First 30 days • Max €1,000
First 30 days • Max €1,000
Mypeak.finance
Travel
❌
Returns
up to 16%
Risk Score
8/10
Buyback
❌
Min Inv.
€1
Afranga
Business
✅
Returns
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Returns
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Fixed Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Returns
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Up to 5% Cashback
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
Triple Dragon
Gaming
❌
Returns
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Returns
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
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
Maclear
Business
✅
Returns
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Modena
Consumer
✅
Returns
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Fixed Bonus + Up to 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
Consumer
✅
Returns
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
15€ Fixed Bonus
Referral link: invest at least €1,000 within 90 days • Both parties
Referral link: invest at least €1,000 within 90 days • Both parties
Income Marketplace
Consumer
❌
Returns
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
1% of the 30-day weighted average investment • Min €10 • Max €500
1% of the 30-day weighted average investment • Min €10 • Max €500
Ventus Energy
Energy
❌
Returns
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Funds allocated within first 60 days • Both parties • Credited instantly
Funds allocated within first 60 days • Both parties • Credited instantly
LANDE
Agricultural
❌
Returns
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
3% Cashback
Primary Market investments during first 30 days
Primary Market investments during first 30 days
Debitum
Business
✅
Returns
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
20€ + Up to 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
Consumer
✅
Returns
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
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
Revest
Real Estate
❌
Returns
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bonus
0.5% Cashback
Invest at least €10 within first 30 days • Both parties
Invest at least €10 within first 30 days • Both parties
SAVY
Consumer
✅
Returns
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Returns
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Returns
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Returns
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Bonus
1% Cashback
Referral link: manual investments during first 90 days • Both parties
Referral link: manual investments during first 90 days • Both parties
FF Forest
Agricultural
❌
Returns
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
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.
- Ventus Energy: Alleged investor scam patterns and repeated complaints about repayment issues.
- Esketit: Not classified here as a scam, but included for governance/reputation controversies.
- 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
Monefit SmartSaver
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Digilo
1% Cashback
1% referral cashback on Primary Market investments during first 60 days • Both parties
Mintos
Up to 350€ Fixed Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
0.5% Welcome + Up to 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
1% Cashback + Up to 1% Loyalty
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Nectaro
1% Cashback
First 30 days • Max €1,000
Mypeak.finance
No bonuses currently available
Afranga
0.5% Cashback
First 90 days
InRento
20€ Fixed Bonus
First project • Min €500
Indemo
Up to 5% Cashback
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
Triple Dragon
1% Cashback
Invest within 60 days • Both parties
Lendermarket
75€ Fixed Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Maclear
15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Modena
25€ Fixed Bonus + Up to 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
15€ Fixed Bonus
Referral link: invest at least €1,000 within 90 days • Both parties
Income Marketplace
1.0% Cashback
1% of the 30-day weighted average investment • Min €10 • Max €500
Ventus Energy
1% Cashback
Funds allocated within first 60 days • Both parties • Credited instantly
LANDE
3% Cashback
Primary Market investments during first 30 days
Debitum
20€ + Up to 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
5€ Fixed Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
Revest
0.5% Cashback
Invest at least €10 within first 30 days • Both parties
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
No bonuses currently available
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
1% Cashback
Referral link: manual investments during first 90 days • Both parties
FF Forest
No bonuses currently available
EtherFi
No bonuses currently available
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
Crypto platforms: check individual listings above for available bonuses.
📝 Platform Reviews
Detailed analysis of each platform based on my personal experience.
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.
Bondster
Consumerup to 14% Returns
Pros
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Cons
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Verdict
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
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.