P2P Lending Update: October 2026

The portfolio update has been a regular format on my blog since January 2019. On a monthly basis, investors get an honest and transparent look at the latest developments in my personal P2P lending portfolio, including income, performance, transactions, and portfolio value.

I also cover changes and developments at various platforms within the P2P market. Anyone who wants to look more closely into individual platforms will find detailed analyses on my P2P platform reviews page. Current cashback promotions and bonus offers are summarized on my bonus page.

For up-to-date information, I recommend following my news page. There, I share timely reactions, evaluations, and assessments as soon as new developments occur. Alternatively, you can also subscribe to my Telegram group or my WhatsApp channel (both free of charge).

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P2P Portfolio Update: October 2026

Here is the current state of my personal P2P lending portfolio as of the end of September 2026.

Income

In September 2026, I generated €1,520 in income from my outstanding P2P lending portfolio. This is a below-average result compared to the current calendar year (€1,664). New personal income records at individual P2P platforms were achieved last month on LANDE with €138 and on TWINO with €147.

Performance

The best overall performance in my P2P portfolio currently comes from Nectaro at 16.9%. The reason for the above-average return is my active investment approach, which is focused on taking advantage of the various bonus campaigns. In second place is Debitum at 13.4%, followed by Income Marketplace at 12.9% and Afranga at 12.8%.

At the other end of my performance table, Estateguru remains the negative leader with a return of -1.7%.

Transactions

Last month, there were a total of five new transactions in my P2P portfolio.

Deposits: EUR 9,000

• Monefit SmartSaver: I transferred €5,000 to my main account at Monefit SmartSaver. My focus on the platform remains on providing liquidity, which I have already taken advantage of several times this year.
• LANDE: As the largest and most stable cornerstone of my portfolio for secured loans, I increased my position by another €2,000 last month. My last defaulted loan on the platform dates back to February 2026.
• InRento: With InRento, the number 1 of my Risk Score has made it into my portfolio. I started with a deposit of €2,000. I only select loans from its Lithuanian home market.

Withdrawals: EUR 10,000

• Bondora Go & Grow: My liquidity-focused position at Bondora Go & Grow decreased by €8,000 last month. €5,000 of that went into McDonald’s stock as a one-off purchase, which I currently consider undervalued. Long live the McRib!
• Nectaro: Another €2,000 was withdrawn from Nectaro. With the next cashback campaign, which will also include the Romanian loans, I plan to add a five-figure amount again.

Overall, the net deposit and withdrawal balance was negative €1,000 last month. For 2026 as a whole, this means that €8,069 more has been withdrawn than deposited. This is a trend I would like to reverse before the end of the year. I recently presented three possible additions to my P2P portfolio in the following video (in German, with English subtitles):

P2P Portfolio

The value of my outstanding P2P lending portfolio increased from €195,346 to €195,859 in September 2026. The liquidity-focused portion of my P2P portfolio, consisting of Bondora Go & Grow and Monefit SmartSaver, amounted to €37,295 (19.0%).

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P2P Lending News: October 2026

Below is a summary of the most important news and developments in the P2P lending market.

PeerBerry has published its figures for September and increased its outstanding portfolio to €155.35 million. The shift towards short-term loans remains striking: their share has risen from 7% at the beginning of the year to 22.15%. With €50.52 million in new loans issued in September, almost a third of the portfolio is mathematically turned over every month.

Income Marketplace has published new figures for the lender DanaKredi, whose revenue and profit more than halved in 2025. In addition, the lender Current Auto has withdrawn its Latvian company from the marketplace and bought back all loans including interest.

Debitum has launched Flow, a new liquidity product advertised with 8% per year and a minimum investment of €10. At its core, it is a five-year bond on the LFDF II Senior Notes, i.e. on exactly the portfolio for which I have been demanding an independent review of the transaction prices for more than half a year (see LFDF analysis). Accordingly, I will neither promote the product nor invest in it myself.

LANDE has published its performance report for August. Funding volume (-19%), average interest rate (10.80%) and collateral coverage are declining, while all delinquency buckets have increased at the same time.

InRento has a new CEO in Bernardas Preikšaitis, who previously served as COO. Founder Gustas Germanavičius is not leaving the company, but remains responsible for credit assessment as chairman of the credit committee.

Esketit, or rather its shareholders, have received a licence as an investment firm from the Latvian central bank. However, I had to correct my initial assessment that this would put Esketit itself on a regulated footing: the licence belongs to Goodeve, a second, parallel platform owned by the same shareholders.

Estateguru has published its figures for August. The managed portfolio has shrunk to €190.3 million, of which €112.9 million, or 59.3%, is now in recovery.

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New Content from re:think P2P

The following content has been published in recent weeks (videos in German, with English subtitles).

• P2P Risk Score Update Q3/2026
• Modena Review 2026: Too Much Risk for 11%?
• New Platforms for My Portfolio? (InRento, Lendermarket, Modena)
• My Exit from Debitum: 6+ Months Without Answers!