- € 119.93 M Total invested
- € 105.33 M Repaid amount
- 15.02% Average Annual Investment Return
How to Make Smarter Investment Choices
If you’re exploring peer-to-peer (P2P) lending as an investment option, comparing platforms side by side can help you find the best opportunities. Our P2P lending comparison table is designed to give you a quick, insightful overview of key platform features, helping you identify where your money could work hardest.
By analyzing interest rates, loan types, risk levels, and platform tools, you’ll be better equipped to choose a P2P investment platform that aligns with your financial goals—whether you’re looking for short-term gains or long-term returns.
How to choose the right P2P lending site?
Platform Details
- 18-year track record
- Start from just €1
- Withdraw anytime
Additional Information
- Over 500K investors
- Over €2.2B invested
- Over €200M Returns earned
* Capital at risk. Investments made with Bondora are not guaranteed, nor is the preservation of value invested guaranteed. Please note that the yield achieved in past periods does not guarantee the rate of return in future periods. The yield of Go & Grow is up to 6.75% p.a. Before deciding to invest, please review our risk statement and consult with a financial advisor if necessary.
Platform Details
- Get Up to 16.59% Annually
- Guaranteed Buyback
- Auto-invest
- Total freedom on investment size
Additional Information
- Over 11M total invested
- Over 4K investors
- Referral program
Please keep in mind that some risks are normal for all kinds of investing, not only for investing in loans on the Platform. Acknowledgement of different types of risk will help you to eliminate your losses and to become a successful investor.
Platform Details
- Diverse selection of loans
- Auto Invest
- Buyback Guaranteed
- Bank-grade security
Additional Information
- Over 31K registered users
- Over 44M earned by investors
- Over 5K available loans
* As with all investment opportunities, the loans offered for investment at Lendermarket platform involve some degree of risk. Lendermarket advises to carefully evaluate the risks associated with investing in consumer loans and seek professional advice before starting to invest money through the platform.
Platform Details
- Loan Listings
- autoinvest
- 500K registered users
- € 8.7 Billion invested since 2015
Additional Information
- Growth mindset
- Transparency
- Authorized investment firm under MiFID
Mintos is a member of the national investor compensation scheme established under EU Directive 97/9/EC. The scheme protects investors by providing compensation if Mintos fails to return financial instruments or cash to investors. The maximum compensation an investor can claim under the scheme is 90% of their net loss, up to a maximum of €20 000.
Platform Details
- Passive income
- Auto Invest
- 6 and 12 months Vault options
- Instant withdrawal
Additional Information
- Up to 10.52% APY per annum
- Over €450M invested
- Over 48K Investors
- Over €29M returns paid out
We kindly ask you to note that no guarantees are offered for investments made with SmartSaver. We advise to carefully evaluate the risks associated with investing in consumer loans and seek professional advice before starting to invest money via SmartSaver.
Platform Details
- Buyback guarantee
- PeerBerry app (IOS, Android)
- Loyalty program
- Auto Invest
Additional Information
- Over 58M interest paid to investors
- Over 3.5B total invested
- Over 120 000 investors
With all investments your capital is at risk and the value of your investments and the income deriving from it can rise as well as fall. Past performance is not a guide to future performance.
Platform Details
- 29000+ registered users
- Co-founder guarantees
- Regular monthly repayments
Additional Information
- Over €56M invested in brands
- €5 bonus for every € 100 invested in Group A
- Over 13K active investors
Investment through Scramble involves lending to businesses, consequently, your capital may be at risk. We advise carefully evaluating the risks and diversifying investments.
Platform Details
Additional Information
- Buyback Obligation
- Auto Investment
- Competitive ROI
Hive5 is not regulated under any financial services license. When you invest on Hive5, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.
Platform Details
- Total Funded – €65,0M+
- Repaid Total – €13,9M+
- Investors – 32681
Additional Information
- No Hidden Fees
- Invest From Just €50
- Loyalty Bonus
Being a registered member of PolyReg SRO, Maclear is committed to maintaining the highest safety standards for both investors and borrowing projects.
Platform Details
- €50M+ invested in loans since inception
- €2M in interest payments received by our investors
- 27 states we have investors from all over Europe
Additional Information
- Licensed
- Regulated
- Transparent
Afranga eood is a European crowdfunding service provider licensed and supervised by Financial Supervision Commission approved with Resolution 863/12.09.2023
The services and products offered by Afranga are not part of the European deposit protection scheme. By investing on Afranga you put your capital at risk. There is no guarantee to get back your invested amount.
The services and products offered by Afranga are not part of the European deposit protection scheme. By investing on Afranga you put your capital at risk. There is no guarantee to get back your invested amount.
What to Know About Short-Term P2P Investing
Thinking about investing for the short term? Here are a few critical points:
- Short-term gains can be appealing—but risky. Unlike long-term investments, short-term strategies may not offer significant returns and often carry higher risk.
- Returns aren’t guaranteed. While some investors may see fast profits, short-term market fluctuations can lead to temporary losses.
- Patience can pay off. Many P2P loan portfolios tend to perform better over time. Holding your investments for at least 3 years often increases the chances of steady returns and helps offset short-term volatility.
In short: if you’re looking for stability and stronger returns, it pays to adopt a long-term mindset—even in the fast-paced world of P2P lending.
How to Choose the Right P2P Lending Platform
Before investing, follow these smart steps to evaluate your options:
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Compare all available platforms. Use comparison tools to review interest rates, fees, default rates, and unique platform features.
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Do your research. Read user reviews, check platform performance history, and understand how each company manages risk.
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Know the risks. Peer-to-peer lending isn’t risk-free. Understand the possibility of borrower defaults, platform failures, and liquidity challenges.
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Stay active. Monitor your investments regularly, adjust your strategy as needed, and don’t rely solely on automation.
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Think long-term. Even if your goal is short-term investing, balance it with a strategy that includes longer-term stability.
Key Features to Consider When Comparing Platforms
When choosing where to invest, keep these comparison points in mind:
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✅ Sign-up bonuses – Does the platform offer a welcome bonus or referral reward?
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🔁 Liquidity – How quickly can you withdraw your funds if needed?
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🌍 International loans – Can you invest in loans outside your country to diversify?
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🛠️ Auto-invest tools – Does the platform offer automated portfolio building?
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🔄 Secondary market – Can you sell your loans before maturity?
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📊 Diversification – How easily can you spread risk across different loan types?
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📅 Investment strategy options – Does the platform offer custom or pre-set investment strategies?
Should I invest in loans?
P2P lending can be a great alternative investment—but only if you approach it strategically. Use comparison tools, invest with a clear plan, and don’t chase quick profits at the expense of long-term stability.
Explore platforms, stay informed, and let your money grow intelligently.