COMPARING P2P PLATFORMS
The purpose of the peer-to-peer lending comparison table is to assist you in identifying the most valuable opportunities for investing in loans. By using this table, you can compare and contrast different peer-to-peer lending platforms and better understand where you might find the most advantageous options for your investment needs.
How to choose the right P2P lending site?
Platform Details
- 15-year track record
- Go & Grow
- Portfolio Pro
- Portfolio Manager
- API
Additional Information
- Over 200,000 investors
- Over €900M invested
- Over €100M interest earned
- Advanced analytics
* 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 13.6% Annually
- Guaranteed Buyback
- Total freedom on investment size
Additional Information
- Over 4M total invested
- Over 1,5K 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
- €7.9M+ Interest earned by investors
- Buyback Guaranteed
- Bank-grade security
Additional Information
- Over 15M interest earned
- Over 17000 registered users
- Auto Invest
- New Asset Class
* 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
- Up to 9.96% APY per annum
- No fees of any kind
- 100 million interest paid out
- Withdraw your funds anytime
Additional Information
- Fast track your savings
- Proven track record
- Free €5 on signup, plus 0.25% bonus
- 6 and 12 months Vault options
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
- Group guarantee
- PeerBerry app (IOS, Android)
- Loyalty program
- Auto Invest
Additional Information
- Over 30M interest paid to investors
- Over 2.5B total invested
- Over 80 000 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
- Proven track record
- BuyBack Guarantee
- No Currency Risk
- Must be at least 18 years old
- Autoinvest tool
Additional Information
- The company started operations in 2009 in Latvia
- Originated over EUR 1B+ in unsecured consumer loans since then.
- Loans funded monthly in Continental Europe
Platform Details
- Buyback Guarantee
- 0% Fees
- No Currency Risk
- Weighted Risk
- Auto-Invest
Additional Information
- Loan Listing
- EU Consumer Loans
- Pre-Funded Loans
- Primary Market
- Investor protection scheme of up to EUR 20 000
VIAINVEST is a licensed investment brokerage company
This means VIAINVEST has to comply with regulatory requirements and it is supervised by the Latvijas Banka the central bank of Latvia.
Platform Details
- € 793M
- Skin in the game
- Secondary market
- Auto – Invest
- Buyback obligation
Additional Information
- Group guarantee
- Risk-adjusted returns
Any investment involves a risk, so before becoming an investor, please evaluate your risk tolerance carefully.
Top things you need to know about investing money in the short-term
If you’re considering investing in P2P loans for the short-term, there are a few important things to keep in mind. Unlike long-term investments, where you might expect your investment to grow in value over time and provide a source of income, short-term investments typically don’t offer the same potential for significant returns or appreciation. While it may be tempting to try to make a quick profit, it’s important to remember that short-term investments can be risky, and it’s not always possible to earn profits in a short period of time. In fact, many investments may experience short-term losses but ultimately grow steadily over the long-term with increasing returns. For this reason, it’s important to take a long-term view of your investments, ideally holding them for at least 3 years to give your money a chance to grow.
How to choose the right product
- Compare all the available options
- Conduct your own research
- Understand all the risks
- Be more active than passive
- Look for loan payment history
- Look into longer strategy
Top things you need to know about investing money in the short-term
When comparing, consider this:
- Sign up bonus
- Diversification
- Liquidity
- Secondary market
- Invest in loans abroad
- Autoinvest
- Strategy
Should I invest in loans?
This is entirely up to you. PairCompare will help you find the right peer-to-peer platform for you.