The complete 2026 list
Compare All 23 European P2P Lending Platforms Side by Side
Compare 23 platforms by lending model, terms and access to money. House letter grades and attributed external scores are shown separately.
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Values from the existing comparison table and reviews; not independently reverified. Unknown does not mean zero. Some language versions contain different source figures.
The 30-second version
- 19 graded platforms from A+ (Maclear, the only one) down to D- (Reinvest24, Loanch), plus 8lends marked Sponsored.
- Grades come from five weighted checks: investor protection 30%, delivery track record 20%, yield reality 20%, ownership structure 15%, exit options 15%.
- Green list (11 platforms) = fit for core allocation. Watchlist (5 platforms) = satellite money only. Red list (3 platforms) = we pass.
- Yields range from 9% to 22%; minimums from EUR 10 to EUR 500; seven platforms hold ECSP licences, three hold MiFID II, nine are unregulated or pending.
- Use the interactive finder on the homepage to filter by yield band, minimum or auto-invest, then click any platform name for the full grade breakdown.
The master comparison table
This table shows every platform we track in Europe. Grades run from A+ to D-; list placement tells you whether we'd use it for core money (Green), satellite bets only (Watchlist) or not at all (Red). The Sponsored row sits outside the graded rankings. Click any platform name to read the full review and see how the grade breaks down across the five checks.
| Grade | Platform | List | Yield | Min | Licence | Auto | Since |
|---|---|---|---|---|---|---|---|
| A+ | Maclear | Green | 14.5-14.9% | EUR 50 | Swiss SRO | Yes | 2022 |
| A | InRento | Green | ~11.8% | EUR 500 | ECSP (LT) | No | 2020 |
| A | Mintos | Green | 9-11% | EUR 50 | MiFID II (LV) | Yes | 2015 |
| A- | Capitalia | Green | ~10.5% | EUR 200 | ECSP (LV) | Yes | 2017 |
| A- | Nectaro | Green | ~14.9% | EUR 10 | MiFID II (LV) | Yes | 2016 |
| B+ | PeerBerry | Green | ~11% | EUR 10 | ECSP pending | Yes | 2017 |
| B+ | Indemo | Green | 21-22% | EUR 10 | MiFID II (LV) | Yes | 2022 |
| B | Robocash | Green | 9-13% | EUR 10 | Unregulated | Yes | 2017 |
| B | Crowdpear | Green | 10.6-14% | EUR 100 | ECSP (LT) | No | 2021 |
| C+ | Profitus | Watch | ~10% | EUR 100 | ECSP (LT) | Yes | 2017 |
| C+ | Lendermarket | Watch | 15.6-18% | EUR 10 | ECSP (IE) | Yes | 2019 |
| C | InSoil | Watch | ~13% | EUR 100 | ECSP (LT) | - | 2020 |
| C | Twino | Watch | 10-13% | EUR 10 | MiFID II (LV) | Yes | 2015 |
| C- | Hive5 | Watch | 12-14.5% | EUR 10 | Unregulated | Yes | 2022 |
| D+ | Scramble | Red | 12.4-25% | EUR 10 | Unregulated | No | 2020 |
| D | EstateGuru | Red | ~10.4% | EUR 50 | ECSP (EE) | - | 2013 |
| D | Debitum | Red | ~11.4% | EUR 10 | MiFID II (LV) | Yes | 2017 |
| D- | Reinvest24 | Red | ~14.6% | EUR 100 | Unregulated | - | 2017 |
| D- | Loanch | Red | 13-14.5% | EUR 10 | Unregulated | - | 2022 |
| Sponsored | 8lends | - | up to 25% | - | - | - | - |
| Triple Dragon Funding | External | Per offer | €1,000 | Contractual claims; licence not confirmed | Manual selection | Not confirmed | |
| VIAINVEST | External | Up to 13% | €50 | MiFID II (LV) | Yes | 2016 | |
| LANDE | External | 11.2% advertised | €50 | ECSP (LV) | Yes | Not confirmed |
Scores carrying a publisher name are external opinions, not our letter grades. The individual reviews explain the sources and their different methods.
Affiliate note: Some outbound links on this site earn us a referral fee if you open an account. We only recommend Maclear (A+, EUR 30 bonus) as an affiliate within the graded list. 8lends pays for placement and sits outside our scoring. See how we earn for full disclosure.
Platforms by licence regime
The licence a platform holds shapes what protects you if something goes wrong. Here are the three main groups in our list.
ECSP-licensed platforms
The European Crowdfunding Service Provider passport became law in November 2021. ECSP platforms must follow conduct rules, publish annual reports and maintain professional-indemnity insurance, but the licence carries no investor-compensation scheme. If a borrower defaults, you lose the money unless the platform has a separate buyback promise or reserves. ECSP explained in detail.
- InRento (A, Lithuania, buy-to-let real estate)
- Capitalia (A-, Latvia, Baltic SME with InvestEU guarantee)
- Crowdpear (B, Lithuania, real-estate development)
- Profitus (C+, Lithuania, development and rental)
- Lendermarket (C+, Ireland, consumer via Creditstar)
- InSoil (C, Lithuania, agricultural and green projects)
- EstateGuru (D, Estonia, property bridge, ~60% in recovery)
- LANDE
MiFID II platforms
Investment-firm licences under MiFID II require segregated client-money accounts and in Latvia come with a statutory EUR 20,000 scheme - but that scheme covers only operational failure of the platform itself, never borrower defaults. MiFID protections explained.
- Mintos (A, Latvia, notes and bonds marketplace, EUR 600M+ AUM)
- Nectaro (A-, Latvia, consumer via Dyninno group)
- Indemo (B+, Latvia, discounted Spanish mortgages, Nasdaq CSD custody)
- Twino (C, Latvia, consumer and rental, legacy Russia exposure)
- Debitum (D, Latvia, SME notes, 2026 investigation opened)
- VIAINVEST
Swiss SRO and unregulated (8)
Maclear operates under Swiss AML/SRO rules, which enforce anti-money-laundering checks but offer no compensation scheme. Nine platforms in our table are unregulated or have ECSP applications pending. Unregulated does not automatically mean unsafe - Robocash has honoured its buyback since 2017 - but you rely entirely on the platform's own reserves and promises.
- Maclear (A+, Switzerland, SME + real estate + factoring, the only A+)
- PeerBerry (B+, Croatia, consumer + leasing, ECSP pending)
- Robocash (B, Croatia, short-term consumer, 100% own-group)
- Hive5 (C-, Croatia, consumer + SME, concentrated ownership)
- Scramble (D+, Estonia, DTC-brand working capital, claims assignment)
- Reinvest24 (D-, Estonia, property SPVs, withdrawals frozen since Feb 2024)
- Loanch (D-, Hungary, SE-Asia consumer, full conflict of interest)
Platforms by loan type
What the platform lends into shapes the risk profile. Here are the main categories.
Real-estate lending
Property loans split into buy-to-let rental (InRento, Profitus), development finance (Crowdpear, EstateGuru) and distressed-asset discounts (Indemo). Rental loans carry lower headline yields but steadier cash flows. Development loans pay more but lock your money until the project completes or sells. Property crowdlending explained.
- InRento - A, buy-to-let only, 0 capital losses in 5 years
- Maclear - A+, includes secured property alongside SME and factoring
- Crowdpear - B, development projects, profitable FY24
- Profitus - C+, mix of development and rental, negative FY24 equity
- EstateGuru - D, bridge and development, ~60% in recovery
SME and business lending
Small-business loans fund working capital, invoice factoring or equipment. Yields typically run 10-15%. The risk comes from company cash flow, not property collateral. SME lending guide.
- Maclear - A+, includes SME and factoring with secured real-estate
- Capitalia - A-, Baltic SME backed by InvestEU EUR 15M guarantee
- Hive5 - C-, short-term SME and consumer mix
- Scramble - D+, DTC-brand working capital, claims-assignment model
Consumer lending
Short-term consumer loans (payday, instalment) deliver the highest advertised yields - 12-18% - but carry the highest default rates. Most platforms in this segment offer buyback guarantees from the originating lender. Your real risk is the solvency of that originator, not the individual borrower. Consumer-lending risks explained.
- Nectaro - A-, consumer via Dyninno group, 14.9% realised 2025
- PeerBerry - B+, consumer + leasing, Aventus concentration
- Robocash - B, short-term consumer, 100% own-group loans
- Lendermarket - C+, consumer via Creditstar, near-100% concentration
- Twino - C, consumer + rental, EUR 1.1B+ cumulative volume
- VIAINVEST
Agricultural and specialist credit
Platforms by minimum deposit
How much you need to start shapes who the platform suits. Low minimums let you test before you commit; higher floors keep operational costs down and signal a more institutional focus.
EUR 10 minimum (9 platforms)
The lowest entry point. You can diversify across three or four platforms with EUR 100 total. Most are consumer-lending marketplaces with auto-invest.
- Nectaro (A-)
- PeerBerry (B+)
- Indemo (B+)
- Robocash (B)
- Lendermarket (C+)
- Twino (C)
- Hive5 (C-)
- Scramble (D+)
- Loanch (D-)
EUR 50-100
Mid-range entry. Enough to test the platform without committing four figures. Common for marketplaces and property platforms.
- Maclear - EUR 50 (A+)
- Mintos - EUR 50 (A)
- Crowdpear - EUR 100 (B)
- Profitus - EUR 100 (C+)
- InSoil - EUR 100 (C)
- EstateGuru - EUR 50 (D)
- VIAINVEST
- LANDE
EUR 200+
Higher minimums typically signal project-finance or institutional models. InRento asks EUR 500 because each loan is a full buy-to-let mortgage; Capitalia sets EUR 200 to keep retail noise down while it handles SME loans under an EIF guarantee.
- Capitalia - EUR 200 (A-)
- InRento - EUR 500 (A)
- Triple Dragon Funding
How to use the homepage finder
The table on this page shows everything at once. If you want to narrow the list to platforms that match your capital and risk appetite, use the interactive tool on the homepage. Set your minimum yield, maximum deposit and whether you need auto-invest. The finder shows only matching platforms, each with its grade. Click any card to read the full review and see the five-check breakdown. The finder updates monthly alongside our grades.
Frequently asked questions
We refresh grades and key data monthly. Each platform page carries the month of the last review. The table on this hub reflects the most recent snapshot. If a regulator alert, ownership change or major operational event occurs mid-month, we update the affected platform immediately and note the change in its review.
8lends appears outside our graded list because it pays for placement. We label it Sponsored every time. The 19 graded platforms earn their position purely on the five-check scoring: investor protection, track record, yield reality, structure and exit options. No platform can pay to improve a grade.
MiFID II platforms hold client funds in segregated custody and in Latvia offer a EUR 20,000 statutory scheme - but that scheme never covers borrower defaults, only operational failure of the platform itself. ECSP licences enforce conduct rules and transparency but carry zero compensation. Real protection comes from the platform's loan-selection process, buyback commitments and capital reserves, not the licence alone. Read our licence explainer for the full breakdown.
The interactive finder on the homepage lets you set yield range, minimum deposit and auto-invest toggle, then see only matching platforms with grades. This page shows the full static table for reference. If you want to compare three specific platforms side by side with deeper detail, use the versus links on individual platform reviews.
Capital at risk. P2P lending can result in partial or total loss of your invested capital. No compensation scheme covers borrower defaults. Diversify across platforms and loan types, never invest money you cannot afford to lose, and read the full review before you commit.
Pick your first platform
Use the grade finder to filter by yield and capital, or start with the only A+ platform in Europe.
Affiliate link. We earn a referral fee if you open an account. See disclosure.