P2P Platform Reviews

Before investing on any P2P platform, make sure to do a proper due diligence and educate yourself on the risks that are associated when investing on different platforms. To help you better assess the risk and opportunity potential of a P2P platform, I have conducted several deep-dive P2P platform reviews for your assistance.

The selection focuses on the largest, most popular and most frequently used P2P platforms. The list of platforms is constantly growing. The individual reviews are updated on a monthly basis.

Last Update: 15.05.2026

For years, Afranga was used as a funding source for the lending business of the Stik Credit Group. As a result, investors were able to earn above-average returns of up to 16% in recent years. However, with its licensing as a European crowdfunding service provider, Afranga has initiated a transformation into a regulated P2P marketplace. The opportunities for expansion, revenue growth, and diversification are now accompanied by greater risks.

Bondora is one of the oldest and most established P2P platforms in Europe. With the introduction of Bondora Go & Grow in 2018, the platform set new standards in terms of simplicity and liquidity. Another outstanding factor is the financial stability of the Bondora Group, which possesses some of the strongest financial metrics in the entire P2P lending market.

Bondster is a P2P lending marketplace from the Czech Republic. Since its founding, however, the platform has repeatedly been criticized for insufficient risk management in the assessment of loan originators. As a result, investors have better alternatives if they want to gain experience with P2P lending investments.

Credon’s path is paved with contradictions, inconsistencies and misleading information. The initiation of insolvency proceedings in Q1/2023 seems therefore the only logical consequence. In my Credon review, I write about the chronology of an insanely badly made P2P platform that has to put up with accusations of being a scam.

Crowdestor is one of the most controversially discussed crowdfunding platforms in Europe. However, if one looks at the facts and the raw numbers, there can hardly be two opinions. The platform has been in a state of stagnation for quite some time. More than EUR 40 million of investor funds are currently in recovery.

Crowdpear is a PeerBerry spin-off that has been launched in the beginning of 2023. In its first years, the platform has impressively demonstrated that the balance between return and risk is very attractive. However, due to the limited loan supply, Crowdpear is not yet an investment for the broader mass of investors.

Debitum is an exciting alternative for investors who want to invest outside of traditional consumer loans. The P2P marketplace for SME loans, which is regulated in Latvia, has significantly raised its profile since the change of ownership in summer 2023. Debitum currently offers one of the best and most attractive overall packages in the P2P lending industry.

Esketit is a P2P platform based in Croatia that has shown impressive growth since its operational launch in 2021. However, the departure of established loan originators (AvaFin) and a failed relocation that led to restricted liquidity caused the platform to lose a lot of trust among its investors. Is it still worth investing now?

In its first ten years of existence, Estateguru has become the leading marketplace for short-term and highly collateralised property loans in Europe. However, the expansion strategy in 2022 failed spectacularly. Over EUR 130 million in investor funds and well over 50% of the portfolio are in debt collection. Can the platform still be saved?

12% return with profitable and already let residential properties? Or up to 15% with development projects in and around Prague? These are the prospects awaiting investors at the P2P platform Fintown, which was launched in 2023 and was founded by Maxim Vihorev and his property development company Vihorev Investments.

Hive5 is a P2P platform incorporated in Croatia that is controlled by the Lithuanian company UAB Hive Finance. Its short track record, conflicts of interest between the platform and loan originators, links to service providers involved in past P2P scams, purchased advertising and reviews, as well as legal threats against critical content are all reasons why investors should consider other alternatives.

In recent years, Income Marketplace has become one of the most attractive P2P lending platforms in Europe. The reasons include a wide range of different loan originators, competitive interest rates, and innovative security concepts that result in a very low default rate (<1%). Although the marketplace still has room for improvement, Income is already one of the best alternatives for P2P investors today.

Indemo is a Latvia-based P2P platform that is regulated by the financial supervisory authority. The focus is on discounted debt instruments secured by Spanish mortgages. This is a unique product that can’t be found on any other platform. How exactly do these DDIs work, and is it worth it for investors to invest here?

InSoil Finance is one of the leading European P2P platforms focusing on agricultural loans. In addition to traditional lending, investors can also gain exposure to the rapidly growing carbon credit trading market through “Green Loans.” However, measurable results have been slow to materialize, and the portfolio quality is also considered rather weak.

LANDE is an emerging and ECSP-licensed platform from Latvia that specializes in the niche of secured agricultural loans. Its exciting market positioning, combined with real collateral, turns LANDE into an attractive alternative for more conservative investors who want to diversify their P2P portfolio beyond traditional consumer loans.

Lendermarket is a P2P lending platform based in Estonia that was established by the shareholder of the Creditstar Group. Since then, fluctuating repayments and the issue of pending payments have been constant companions, making Lendermarket an inconsistent investment with an uncertain outcome.

Newcomer Lonvest has joined the P2P lending space in 2023. The platform’s legal structures and investment profile are showing many overlaps with Robocash. Can the platform stand up to this comparison? In my Lonvest review, investors will find all the important information about the platform and what they need to look out for.

Maclear markets itself as a Swiss crowdfunding platform where investors can earn above-average returns through international SME loans. At first glance, this appears to be an attractive P2P platform for yield hunters. However, a closer look reveals fundamental weaknesses that significantly increase the risk of an investment.

Mintos is the largest P2P lending marketplace in Europe in terms of the number of investors and assets under management. In recent years, however, Mintos has increasingly shifted toward becoming a multi-asset platform. In addition to loans, investors can now also invest in ETFs, bonds, or real estate. But is it worth it?

With Monefit SmartSaver, Creditstar created another funding source for its loan portfolio in 2022. The product is easy to understand and offers both predictable returns and a high degree of liquidity. However, this liquidity could become severely restricted under certain market conditions. Is SmartSaver still the best alternative to Bondora Go & Grow?

Nectaro is a Latvian P2P platform that brings all the prerequisites for long-term success: regulation under MiFID II, profitable loan originators, competitive interest rates, and the backing of a large parent company. Nectaro is therefore an attractive alternative for investors who want to expand their P2P portfolio with a new platform.

NEO Finance is a Lithuanian P2P platform for consumer loans, which is particularly appealing due to its strong emphasis on security. This includes regulation by the Central Bank of Lithuania as well as the EMI licence. Nevertheless, NEO Finance enjoys rather little attention and awareness among many investors. The complexity of the platform is only one of many reasons.

PeerBerry is one of the largest and most established P2P lending platforms in Europe. Its success is based on reliable partners (Aventus Group) and an outstanding handling of crisis situations. Although the loan supply and interest rates have declined over time, PeerBerry remains one of the best and most popular platforms in the P2P market.

Profitus is an unknown and rather inconspicuous platform in the P2P market. The company is regulated under ECSP standards, offers secured real estate loans from the Baltic region, and has a respectable portfolio quality. However, Profitus has two competitors in InRento and Crowdpear that offer a slightly better risk-return profile.

Robocash is an unregulated P2P platform incorporated in Croatia that often flies under the radar of many investors. Despite some irregularities in recent years, Robocash has built a reputation as a reliably performing and quietly functioning P2P platform. In community votings, it has consistently ranked among the better-rated alternatives in the P2P market.

TWINO has been active in the P2P lending market since 2015. In terms of its history and financed loan volume, the Latvia-regulated platform is one of the absolute heavyweights in Europe. In recent years, however, the platform has been marked by problems in risk management. At the same time, there have also been many positive developments, which means that TWINO can once again be considered a viable investment alternative.

Viainvest has always been one of the most popular P2P platforms among investors in recent years. The reason being is many years of reliability and stability, which has become particularly clear in times of crisis. Thanks to attractive interest rates coupled with good risk management, investors have been able to consistently achieve double-digit returns on Viainvest since 2016.