{"id":38367,"date":"2026-09-07T06:00:04","date_gmt":"2026-09-07T04:00:04","guid":{"rendered":"https:\/\/rethink-p2p.de\/las-plataformas-de-crowdlending-mas-seguras-en-2026\/"},"modified":"2026-09-07T09:25:50","modified_gmt":"2026-09-07T07:25:50","slug":"plataformas-de-crowdlending-mas-seguras","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/","title":{"rendered":"Las plataformas de crowdlending m\u00e1s seguras en 2026"},"content":{"rendered":"<span class=\"rtp-aktualisiert\">\u00daltima actualizaci\u00f3n: 7 de septiembre de 2026<\/span>\n<p dir=\"ltr\">Seg\u00fan el re:think P2P Risk Score, las plataformas de crowdlending m\u00e1s seguras en 2026 son <a href=\"https:\/\/rethink-p2p.de\/es\/inrento-opiniones\/\">InRento<\/a> (8,4 \/ 10), <a href=\"https:\/\/rethink-p2p.de\/es\/nectaro-opiniones\/\">Nectaro<\/a> (8,0), <a href=\"https:\/\/rethink-p2p.de\/es\/crowdpear-opiniones\/\">Crowdpear<\/a> (7,8), <a href=\"https:\/\/rethink-p2p.de\/es\/lande-opiniones\/\">LANDE<\/a> (7,7) y <a href=\"https:\/\/rethink-p2p.de\/es\/peerberry-opiniones\/\">PeerBerry<\/a> (7,6). El score eval\u00faa 31 plataformas europeas de pr\u00e9stamos P2P en cinco categor\u00edas: regulaci\u00f3n y licencia, estabilidad financiera, transparencia y divulgaci\u00f3n, cartera de pr\u00e9stamos y p\u00e9rdidas de inversores, e historial y comportamiento en crisis. Importante: incluso la plataforma P2P supuestamente m\u00e1s segura sigue siendo una inversi\u00f3n de alto riesgo.<\/p>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Tabla de contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#El_ranking_de_un_vistazo\" title=\"El ranking de un vistazo\">El ranking de un vistazo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#Como_funciona_el_sistema_de_ranking\" title=\"C\u00f3mo funciona el sistema de ranking\">C\u00f3mo funciona el sistema de ranking<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#1_InRento_84_10\" title=\"1. InRento (8,4 \/ 10)\">1. InRento (8,4 \/ 10)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#2_Nectaro_80_10\" title=\"2. Nectaro (8,0 \/ 10)\">2. Nectaro (8,0 \/ 10)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#3_Crowdpear_78_10\" title=\"3. Crowdpear (7,8 \/ 10)\">3. Crowdpear (7,8 \/ 10)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#4_LANDE_77_10\" title=\"4. LANDE (7,7 \/ 10)\">4. LANDE (7,7 \/ 10)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#5_PeerBerry_76_10\" title=\"5. PeerBerry (7,6 \/ 10)\">5. PeerBerry (7,6 \/ 10)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#Que_significa_%C2%ABseguro%C2%BB_en_el_crowdlending\" title=\"Qu\u00e9 significa \u00abseguro\u00bb en el crowdlending\">Qu\u00e9 significa \u00abseguro\u00bb en el crowdlending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/es\/plataformas-de-crowdlending-mas-seguras\/#Preguntas_frecuentes\" title=\"Preguntas frecuentes\">Preguntas frecuentes<\/a><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"El_ranking_de_un_vistazo\"><\/span>El ranking de un vistazo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">La tabla muestra las 31 plataformas P2P evaluadas, ordenadas seg\u00fan su Score de Seguridad actual. Los scores se actualizan continuamente en cuanto hay nueva informaci\u00f3n disponible.<\/p>\n<div class=\"ss-table-wrap\">\n<table class=\"ss-table\">\n  <thead>\n    <tr>\n      <th class=\"ss-sortable\">#<\/th>\n      <th>Plataforma<\/th>\n      <th class=\"ss-sortable\">Reg.<\/th>\n      <th class=\"ss-sortable\">Fin.<\/th>\n      <th class=\"ss-sortable\">Tra.<\/th>\n      <th class=\"ss-sortable\">Cr\u00e9d.<\/th>\n      <th class=\"ss-sortable\">Track<\/th>\n      <th class=\"ss-sortable\">RF<\/th>\n      <th class=\"ss-sortable ss-desc\">Score<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td>1<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/inrento-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">InRento<\/a><\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>14<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">8.4<\/td>\n    <\/tr>\n    <tr>\n      <td>2<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/nectaro-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nectaro<\/a><\/td>\n      <td>15<\/td>\n      <td>14<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>11<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">8.0<\/td>\n    <\/tr>\n    <tr>\n      <td>3<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/crowdpear-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Crowdpear<\/a><\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>13<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">7.8<\/td>\n    <\/tr>\n    <tr>\n      <td>4<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/lande-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">LANDE<\/a><\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>17<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">7.7<\/td>\n    <\/tr>\n    <tr>\n      <td>5<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/peerberry-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">PeerBerry<\/a><\/td>\n      <td>0<\/td>\n      <td>11<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>25<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">7.6<\/td>\n    <\/tr>\n    <tr>\n      <td>6<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/twino-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">TWINO<\/a><\/td>\n      <td>15<\/td>\n      <td>18<\/td>\n      <td>5<\/td>\n      <td>17<\/td>\n      <td>10<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.5<\/td>\n    <\/tr>\n    <tr>\n      <td>6<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/profitus-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Profitus<\/a><\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>14<\/td>\n      <td>21<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.5<\/td>\n    <\/tr>\n    <tr>\n      <td>8<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/afranga-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Afranga<\/a><\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>25<\/td>\n      <td>14<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.4<\/td>\n    <\/tr>\n    <tr>\n      <td>8<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/lendermarket-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lendermarket<\/a><\/td>\n      <td>15<\/td>\n      <td>12<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>14<\/td>\n      <td>-12<\/td>\n      <td class=\"ss-td-mid\">6.4<\/td>\n    <\/tr>\n    <tr>\n      <td>10<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/digilo-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Digilo<\/a><\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>8<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.3<\/td>\n    <\/tr>\n    <tr>\n      <td>11<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/mintos-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mintos<\/a><\/td>\n      <td>15<\/td>\n      <td>16<\/td>\n      <td>15<\/td>\n      <td>3<\/td>\n      <td>13<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.2<\/td>\n    <\/tr>\n    <tr>\n      <td>11<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/neo-finance-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">NEO Finance<\/a><\/td>\n      <td>10<\/td>\n      <td>16<\/td>\n      <td>10<\/td>\n      <td>5<\/td>\n      <td>21<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.2<\/td>\n    <\/tr>\n    <tr>\n      <td>11<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/income-marketplace-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Income Marketplace<\/a><\/td>\n      <td>0<\/td>\n      <td>8<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>19<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.2<\/td>\n    <\/tr>\n    <tr>\n      <td>14<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/debitum-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Debitum<\/a><\/td>\n      <td>15<\/td>\n      <td>18<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>11<\/td>\n      <td>-19<\/td>\n      <td class=\"ss-td-mid\">6.0<\/td>\n    <\/tr>\n    <tr>\n      <td>14<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/indemo-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Indemo<\/a><\/td>\n      <td>15<\/td>\n      <td>13<\/td>\n      <td>8<\/td>\n      <td>10<\/td>\n      <td>14<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.0<\/td>\n    <\/tr>\n    <tr>\n      <td>16<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/insoil-finance-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">InSoil Finance<\/a><\/td>\n      <td>15<\/td>\n      <td>11<\/td>\n      <td>15<\/td>\n      <td>8<\/td>\n      <td>15<\/td>\n      <td>-7<\/td>\n      <td class=\"ss-td-mid\">5.7<\/td>\n    <\/tr>\n    <tr>\n      <td>16<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/robocash-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Robocash<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>24<\/td>\n      <td>-7<\/td>\n      <td class=\"ss-td-mid\">5.7<\/td>\n    <\/tr>\n    <tr>\n      <td>18<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/modena-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Modena<\/a><\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>8<\/td>\n      <td>25<\/td>\n      <td>8<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.6<\/td>\n    <\/tr>\n    <tr>\n      <td>19<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/bondora-go-and-grow-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bondora<\/a><\/td>\n      <td>0<\/td>\n      <td>20<\/td>\n      <td>15<\/td>\n      <td>3<\/td>\n      <td>17<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.5<\/td>\n    <\/tr>\n    <tr>\n      <td>19<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/fintown-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Fintown<\/a><\/td>\n      <td>0<\/td>\n      <td>3<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>12<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.5<\/td>\n    <\/tr>\n    <tr>\n      <td>21<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/viainvest-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Viainvest<\/a><\/td>\n      <td>15<\/td>\n      <td>18<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>16<\/td>\n      <td>-5<\/td>\n      <td class=\"ss-td-mid\">5.4<\/td>\n    <\/tr>\n    <tr>\n      <td>22<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/lonvest-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lonvest<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>12<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.2<\/td>\n    <\/tr>\n    <tr>\n      <td>23<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/esketit-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Esketit<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>13<\/td>\n      <td>-5<\/td>\n      <td class=\"ss-td-mid\">4.8<\/td>\n    <\/tr>\n    <tr>\n      <td>23<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/monefit-smartsaver-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Monefit SmartSaver<\/a><\/td>\n      <td>0<\/td>\n      <td>20<\/td>\n      <td>3<\/td>\n      <td>10<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">4.8<\/td>\n    <\/tr>\n    <tr>\n      <td>25<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/loanch-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Loanch<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>9<\/td>\n      <td>-10<\/td>\n      <td class=\"ss-td-high\">3.9<\/td>\n    <\/tr>\n    <tr>\n      <td>26<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/estateguru-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">EstateGuru<\/a><\/td>\n      <td>15<\/td>\n      <td>12<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>13<\/td>\n      <td>-17<\/td>\n      <td class=\"ss-td-high\">3.8<\/td>\n    <\/tr>\n    <tr>\n      <td>27<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/maclear-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Maclear<\/a><\/td>\n      <td>5<\/td>\n      <td>0<\/td>\n      <td>8<\/td>\n      <td>10<\/td>\n      <td>17<\/td>\n      <td>-21<\/td>\n      <td class=\"ss-td-high\">1.9<\/td>\n    <\/tr>\n    <tr>\n      <td>28<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/crowdestor-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Crowdestor<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>-7<\/td>\n      <td class=\"ss-td-high\">1.8<\/td>\n    <\/tr>\n    <tr>\n      <td>29<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/bondster-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bondster<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>3<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-high\">1.3<\/td>\n    <\/tr>\n    <tr>\n      <td>30<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/hive5-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">Hive5<\/a><\/td>\n      <td>0<\/td>\n      <td>14<\/td>\n      <td>8<\/td>\n      <td>10<\/td>\n      <td>14<\/td>\n      <td>-34<\/td>\n      <td class=\"ss-td-high\">1.2<\/td>\n    <\/tr>\n    <tr>\n      <td>31<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/es\/7harvests-opiniones\/\" target=\"_blank\" rel=\"noopener noreferrer\">7Harvests<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>8<\/td>\n      <td>-17<\/td>\n      <td class=\"ss-td-high\">0.1<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Como_funciona_el_sistema_de_ranking\"><\/span>C\u00f3mo funciona el sistema de ranking<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">El re:think P2P Risk Score eval\u00faa las plataformas en una escala de 0 a 10 en cinco categor\u00edas: regulaci\u00f3n y licencia, estabilidad financiera, transparencia y divulgaci\u00f3n, cartera de pr\u00e9stamos y p\u00e9rdidas de inversores, e historial y comportamiento en crisis. Se basa en fuentes primarias verificables p\u00fablicamente. La metodolog\u00eda completa est\u00e1 documentada en la p\u00e1gina <a href=\"https:\/\/rethink-p2p.de\/es\/riesgo-plataformas-p2p\/\">Riesgo de las plataformas P2P<\/a>.<\/p>\n<p dir=\"ltr\">Las empresas que realmente te deben dinero son, en muchos casos, los prestamistas detr\u00e1s de las plataformas. Su estabilidad financiera la eval\u00fao por separado en la <a href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/\">comparativa de prestamistas P2P<\/a>.<\/p>\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"1_InRento_84_10\"><\/span>1. InRento (8,4 \/ 10)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">El primer puesto del ranking de las plataformas de crowdlending m\u00e1s seguras lo ocupa actualmente <a href=\"https:\/\/rethink-p2p.de\/es\/inrento-opiniones\/\">InRento<\/a> con 8,4 de 10 puntos posibles. La plataforma de crowdfunding con sede en Lituania, especializada desde 2020 en la financiaci\u00f3n de pr\u00e9stamos buy-to-let garantizados con hipoteca de primer rango, destaca por su licencia bajo el reglamento ECSP, sus s\u00f3lidas cifras financieras y la excelente calidad de su cartera de pr\u00e9stamos.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-37895 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026-768x192.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-37895\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-Opiniones-P2P-2026-768x192.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p dir=\"ltr\">Las \u00fanicas deducciones se deben a la experiencia de mercado a\u00fan limitada, la falta de tama\u00f1o de mercado y el hecho de que la plataforma todav\u00eda no ha tenido que superar una crisis seria en la que pudiera demostrar realmente su solidez.<\/p>\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"2_Nectaro_80_10\"><\/span>2. Nectaro (8,0 \/ 10)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">Con 8,0 puntos, <a href=\"https:\/\/rethink-p2p.de\/es\/nectaro-opiniones\/\">Nectaro<\/a> ocupa el segundo puesto del Risk Score. La plataforma P2P con sede en Letonia, que pertenece a la empresa estadounidense DYNINNO Group, est\u00e1 supervisada desde 2023 por el regulador financiero let\u00f3n y regulada seg\u00fan MiFID II. Al igual que en InRento, hasta ahora no ha habido dificultades de pago ni impagos a nivel de prestamistas, lo que ha permitido a los inversores obtener de forma fiable rentabilidades de dos d\u00edgitos durante varios a\u00f1os.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36792 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026-768x192.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36792\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Nectaro-Opiniones-P2P-2026-768x192.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p dir=\"ltr\">Los inversores deben vigilar la dependencia y los conflictos de inter\u00e9s dentro del grupo, as\u00ed como la falta de rentabilidad de la plataforma y su est\u00e1ndar de auditor\u00eda a\u00fan mejorable.<\/p>\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"3_Crowdpear_78_10\"><\/span>3. Crowdpear (7,8 \/ 10)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\"><a href=\"https:\/\/rethink-p2p.de\/es\/crowdpear-opiniones\/\">Crowdpear<\/a> alcanza el tercer puesto en la evaluaci\u00f3n de las plataformas P2P m\u00e1s seguras con 7,8 puntos. Al igual que InRento, la plataforma tiene su sede en Lituania y cuenta con una licencia bajo el Reglamento Europeo de Crowdfunding.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36748 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026-768x192.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36748\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Opiniones-P2P-2026-768x192.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p dir=\"ltr\">Aunque los inversores no han sufrido p\u00e9rdidas hasta la fecha, varios pr\u00e9stamos se encuentran actualmente en proceso de recobro. La calidad de la cartera todav\u00eda tiene, por tanto, potencial de mejora.<\/p>\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"4_LANDE_77_10\"><\/span>4. LANDE (7,7 \/ 10)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">El cuarto puesto corresponde actualmente a <a href=\"https:\/\/rethink-p2p.de\/es\/lande-opiniones\/\">LANDE<\/a> con 7,7 puntos. La plataforma letona, especializada en pr\u00e9stamos agr\u00edcolas, es tambi\u00e9n una de las alternativas m\u00e1s seguras en el mercado P2P actual. Las razones son su licencia ECSP, sus s\u00f3lidas cifras financieras y un alto grado de transparencia y divulgaci\u00f3n.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36776 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026-768x192.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36776\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Opiniones-P2P-2026-768x192.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p dir=\"ltr\">Tambi\u00e9n en LANDE la calidad de la cartera de pr\u00e9stamos deja margen de optimizaci\u00f3n, especialmente en la gesti\u00f3n de los pr\u00e9stamos en proceso de recobro.<\/p>\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"5_PeerBerry_76_10\"><\/span>5. PeerBerry (7,6 \/ 10)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\"><a href=\"https:\/\/rethink-p2p.de\/es\/peerberry-opiniones\/\">PeerBerry<\/a> completa el top 5 de las plataformas P2P m\u00e1s seguras con 7,6 puntos. El marketplace P2P con sede en Croacia es uno de los proveedores m\u00e1s grandes y consolidados de todo el sector en cuanto a historial operativo, n\u00famero de inversores y patrimonio gestionado. Adem\u00e1s, con la recuperaci\u00f3n de m\u00e1s de 50 millones de euros en pr\u00e9stamos afectados por la guerra, PeerBerry ha demostrado de forma impresionante c\u00f3mo funciona una gesti\u00f3n de crisis s\u00f3lida y responsable.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36796 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026-768x192.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36796\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026.jpg\" alt=\"\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Opiniones-P2P-2026-768x192.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p dir=\"ltr\">Un resultado a\u00fan mejor solo se le niega a PeerBerry porque es la \u00fanica plataforma del top 5 que no est\u00e1 regulada, por lo que no existe un marco institucional de protecci\u00f3n para los inversores.<\/p>\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Que_significa_%C2%ABseguro%C2%BB_en_el_crowdlending\"><\/span>Qu\u00e9 significa \u00abseguro\u00bb en el crowdlending<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">Los pr\u00e9stamos P2P no est\u00e1n cubiertos por ning\u00fan fondo de garant\u00eda de dep\u00f3sitos. A diferencia de una cuenta de ahorro, no existe un mecanismo estatal de protecci\u00f3n que respalde tu capital en caso de emergencia. Un Score de Seguridad alto no significa, por tanto, que una plataforma sea segura, sino que presenta comparativamente los riesgos m\u00e1s bajos dentro de una clase de activo de alto riesgo.<\/p>\n<p dir=\"ltr\">Adem\u00e1s, el score es solo una instant\u00e1nea basada en los criterios elegidos, las ponderaciones y los datos disponibles en cada momento. Independientemente del ranking, las inversiones deben realizarse con cuidado y dentro de la tolerancia personal al riesgo.<\/p>\n<p dir=\"ltr\">C\u00f3mo funcionan los pr\u00e9stamos P2P en general, qu\u00e9 riesgos existen y qu\u00e9 aporta realmente la garant\u00eda de recompra lo explico en detalle en mi <a href=\"https:\/\/rethink-p2p.de\/es\/comparativa-de-plataformas-p2p\/\">gu\u00eda de pr\u00e9stamos P2P<\/a>.<\/p>\n<hr \/>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span>Preguntas frecuentes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\">\u00bfSon seguros los pr\u00e9stamos P2P?<\/h3>\n<p dir=\"ltr\">No. Los pr\u00e9stamos P2P son una clase de activo de alto riesgo en la que, en el peor de los casos, es posible una p\u00e9rdida total. Sin embargo, los riesgos var\u00edan considerablemente de una plataforma a otra. Y son precisamente estas diferencias las que el re:think P2P Risk Score hace medibles.<\/p>\n<h3 dir=\"ltr\">\u00bfCu\u00e1l es la plataforma de crowdlending m\u00e1s segura?<\/h3>\n<p dir=\"ltr\">Seg\u00fan el estado actual del re:think P2P Risk Score, InRento lidera el ranking con 8,4 de 10 puntos, por delante de Nectaro (8,0) y Crowdpear (7,8).<\/p>\n<h3 dir=\"ltr\">\u00bfCon qu\u00e9 frecuencia se actualiza este ranking?<\/h3>\n<p dir=\"ltr\">Continuamente. En cuanto hay nuevos informes anuales, decisiones regulatorias o incidentes relevantes, se incorporan a la evaluaci\u00f3n. La fecha de la \u00faltima actualizaci\u00f3n aparece en la parte superior de esta p\u00e1gina.<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Las plataformas de crowdlending m\u00e1s seguras 2026 \u2013 Ranking Risk Score<\/title>\n<meta name=\"description\" content=\"\u00bfQu\u00e9 plataformas de crowdlending son las m\u00e1s seguras en 2026? 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