European P2P platforms
These P2P platforms all operate in Continental Europe and accept investments in Euros. A majority are active in Central and Eastern Europe although there are also option available in Western Europe and Scandinavia. All sites below offer English as a language option on their website, together with several other language options.
| Site | Loan types | Typical rates | Secondary market? | Our view | Bonuses available | Learn more |
|---|---|---|---|---|---|---|
 | Loans from multiple loan originators | 9-14% | Yes | Mintos is the largest and most popular European P2P site. Offers loans from more than 60 lenders. An excellent site but it is important to select the best lenders. Check out our Mintos lender ratings | 1%+ | Our review |
 | Personal loans | 10-12% | No | Peerberry offers returns with buyback guarantee, and a slick website. It has started to grow the number of loan originators. Check out our Peerberry ratings for more details. | 1%+ | Our review |
 | Development finance, bridge loans | 10-12% | No | Estateguru is a successful European site that offers investors secured loans and good returns. We particularly like the bridge loans. One of the few places to find secured P2P loans for European investors | 0.5% | Our review |
 | Personal loans | 12% | One click cashout feature | Moncera is a new site that offers loans from Placet Group. Placet Group has been one of our higher rated loan originators for some time. 30 day buyback guarantee | 0.5% | Visit Moncera |
 | Personal loans | 14% | No | Lendermarket is a P2P site that has been setup by a lending group called Creditstar. Creditstar used to be one of our highest rated lenders but our scores have fallen recently as the company appears to have had some liquidity difficulties. 3 new small lending groups have also joined Lendermarket recently | 1% | Visit Lendermarket |
 | Secured bridge and developer loans | 12-14% | No | Bulkestate is a small but growing site focused on loans secured on real estate. It offers loans secured by real estate. Their rates are some of the highest in Europe for secured loans currently. Deal flow is limited but the quality is normally high. | Our interview with CEO | |
 | Short-term personal loans & longer term secured loans | 12-14% | No | Robo.cash has grown dramatically in the last year. It offers some of the highest rates available at the moment. It is is backed by a very profitable lending group that plans to IPO during 2021 | 1.5% | Our review |
 | Equipment finance | 10-14% | Yes | HeavyFinance is based in Lithuania. It looks promising. HeavyFinance offers loans secured on heavy machinery such as tractors and other farm equipment. A new site but the team behind it have a track record in both P2P and equipment finance. Strong yield and an interesting asset class | 1% | Our review |
 | Secured bridge and developer loans | 7-12% | No | Raizers specialises in funding real estate projects - mainly in France but in Belgium and Switzerland too. There are not many opportunities to invest in France through P2P so this will make Raizers interesting for a lot of investors. The lending track record so far is very strong, with fewer loans becoming overdue than would be expected for this type of lending | Visit Raizers | |
 | Personal loans | 16% | No | Afranga is a new P2P site created by the Stikcredit group. Stikcredit are small but have been performing well. We are not sure why the rates offered are so high - it may be a short term thing while they help their new site to grow | Visit Afranga | |
 | Personal loans | 5-15% | Yes | Iuvo seems to have done well during the Covid-19 outbreak. It has been steadily growing and now offers loans from 13 different loan originators. It reports an average return of around 9% so far. Another thing that impresses us is the quality of financial information they provide. Definitely worth considering. | Visit Iuvo | |
 | Personal loans | 12-15% | No | Kviku Group operates in several countries but it is headquartered in Russia, and also had operations in Ukraine. Obviously the Russia/Ukraine conflict has created problems for them, including the restrictions on sending payments out of Russia. It is not currently a viable option for investors unfortunately | €20 | Visit Kviku |
 | Crowdfunded property & development loans | 12-15% | Yes | Reinvest24 is a property crowd-funding site that operates in the Baltics and Moldova. Investors can participate in the potential growth in property values, and receive income from renting them out. Now offers P2P development loans too | Our review | |
 | Crowdfunded property investments | 7% | Yes | InRento offers investors shared ownership of properties that are rented out. Investors earn rental income (at around 7% net yields) and a share of any capital growth. Interesting concept. From the team behind EvoEstate | €20 | Visit InRento |
 | Personal loans | 12-14% | No | Esketit is a new P2P site from the lending group Creamfinance. It offers loans from Creamfinance as well as startup companies in Jordan and Sri Lanka that are owned by the Creamfinance founders | 1% | Visit Esketit |
 | Loans from multiple loan originators | 10-15% | No | Bondster is a small multi-lender P2P site based in the Czech Republic. Bondster currently offers loans from 12 loan originators. Some of the loan originators are exclusively found on Bondster. Quality of the loan originators varies. | Visit Bondster | |
 | Personal loans | 10% | Yes | Twino is one of the largest and more established European sites. They have had a difficult journey so far, although their financial results are improving. The site works well. Heavy exposure to Russia now. | Our review | |
 | Secured loans. Real estate backed and business loans | 10-16% | No | Crowdestate offers slightly higher risk, but higher return loans. Quality varies, but we really like the quality of information provided about each loan, which is some of the best we have seen so far. Most suitable for more experienced investors looking for higher returns. | €20 | Visit Crowdestate |
 | Personal loans | 31% | Yes | Bondora is one of the largest and longer running European P2P sites. Returns reported by Bondora are very strong, although some have not earned the returns they were expecting. Bondora is a site that gives investors several options and is best suited for sophisticated investors looking to take higher risk for higher returns. | €5 | Visit Bondora |
 | Crowdfunded land | 2% | Yes | Landex is a site that offers investors exposure to farmland as an asset class. While the rental yields that investors will receive are fairly small (currently in the region of 2%), Landex say that farmland has been growing strongly in value for several years and they expect this trend to continue. This is a higher risk investment class but some investors may like the diversification it provides. | Visit Landex | |
 | Business Loans | 4-9% | No | October (formerly 'Lendix') is one of the largest European P2P sites, which offers French & Italian SME loans. Expected returns are 4-5%. The site has recently added Italian and English language support. Popular, but returns are at the lower end of what's available currently. | €25 | Visit October |
 | Development finance | 10-13% | No | Profitus is a new site offering loans secured by real estate in Lithuania. Think of it as a 'mini Estateguru'. We are still assessing this site but it appears to be promising | 1% | Visit Profitus |
 | Personal loans | 10-12% | No | VIAINVEST offers loans from 5 countries. All loans come with a buyback guarantee. Simple site that works well. Run by a profitable company with a decent track record | Our interview with CEO | |
 | Development finance | 7-10% | No | Letsinvest is a new site focusing on funding small, high quality real estate developments. Currently all projects are in Lithuania but there are plans to expand into other countries. | Visit Letsinvest | |
 | Personal loans | 14-25% | Yes | NEO Finance is the P2P investment arm of the Lithuanian lender Paskolu Klubas. The platform has been operating since 2016 and holds authorisations from the Bank of Lithuania. NEO Finance offers traditional personal loans with typical rates of around 18% and terms of 48 months. The platform will buyback defaulted loans at their expected future recovery level which is between 50-80% of outstanding balance. NEO Finance guides investors to expect net returns of between 11 to 15% after defaults. | €10 | Visit NEO Finance |
 | Secured loans | 11-13% | No | Lande has been operating since 2011 but has only now launched a P2P platform. It offers loans secured on farmland, and development projects. Plans to launch some interesting products during 2021 | Visit Lande | |
 | Aggregator of loans from multiple platforms | 10-14% | No | Brickfy is a new Estonian site that offers loans from 5 different platforms / partners. Brickfy is currently working on adding new platforms and increasing the supply of loans. The Brickfy team say that they perform due diligence on each loan that is listed on Brickfy. The site could be interesting if it can keep growing and offer loans that are difficult to find elsewhere | Visit Brickfy | |
 | Aggregator of loans from multiple platforms | 10-14% | No | Tribe is an 'aggregator' site that offers loans from 16 different platforms. While many of these platforms appear on this table and can be accessed directly, Tribe makes it easier to diversify investments across a lot of different sites without having to open accounts at each one. | 0.5% | Visit TribeFunding |
 | Personal loans, business loans | 13-15% | No | Hive5 is a new P2P site. It is still quite small and only has a limited range of loans. It offers personal and business loans from a lending company operating in Poland. There are big plans to expand operations over the coming year. For now only suitable to receive a small allocation of an investor portfolio | Visit Hive5 | |
 | Personal loans, business loans | 7-12% | No | GetIncome is a new site that has been designed to improve the security of investors' funds. It takes control of the cash repaid by borrowers, which allows it to closely monitor performance and helps ensure that investors receive cash owed to them. Offers loans from 3 lending companies | Visit GetIncome | |
 | Business loans | 10% | No | Flender is a small but growing Irish P2P platform. Strong management team. We would prefer that they provided more information about the companies borrowing on their platform, but some interesting deals can be found | Visit Brickfy | |
 | Mortgages and personal loans | 6-25% | Yes | Zlty Melon is a well established, but quirky site based in Slovakia. A long established platform. Some high returns can be found in their personal loans if willing to take a little risk. However, we don't think their mortgage products make sense for most investors | +1% | Visit Brickfy |
 | Personal loans, business loans | 13-27% | Yes | FinBee is a small site that offers personal loans at fairly high interest rates. There are no 'buyback guarantees'. While rates are fairly high, some loan grades have had high default rates. Most suitable for sophisticated investors who like to invest on multiple sites, and are happy to take some extra risk. | Visit FinBee | |
 | Personal loans | 4-10% | No | One of the largest European P2P platforms, which offers German personal loans. Investors must have a German bank account. Worth considering if you are German, want to invest with an established site, and are cautious about P2P | Visit Auxmoney | |
 | Loans secured on real estate | 4-7% | No | Rendity is a fairly new site that focuses on providing 2nd lien loans on high quality properties in Germany and Austria. The rates are not very high, but this site may interest some investors | Visit Rendity | |
 | Business loans | 20%+ | No | Crowdestor has been going a few years now and attracts investors who like high risk/return investments. Rates are over 20%. However their lending record so far has been fairly poor even taking the high interest rates into account. Has an uncertain future. | Visit Crowdestor | |
 | Personal loans | 12% | No | Fixura claims to generate net 10% returns for investors. Beware of their fee structure though, which we don't think is that appealing for investors | Visit Fixura | |
 | Business Loans | 3-6% | No | Lendahand sets rates that are intentionally low because the platform has a social mission to support businesses in developing economies. Known as 'impact investing'. | Visit Lendahand | |
 | Invoice finance | 8-10% | Yes | Offers loans secured against invoices in Estonia and now also the UK. Quite small, but a growing platform. We think the site has potential. In 12 months time it will be a more interesting opportunity | Visit Investly |
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