We list the platforms offering the highest P2P returns, and best offers

Platforms offering the highest P2P investment returns

The platforms below offer the highest P2P returns available currently in the UK and Europe. They include some of our favourite P2P platforms that are in our Top 10 recommended list. Many offer loans secured by real estate, with returns in excess of 10%. We recommend choosing each loan carefully, and allocating funds between at least 2 or 3 different lenders to provide diversification.

Loan types	Location	Typical rates	Our view	Bonuses available	Learn more
Personal loans	Bulgaria	14%	Afranga is a new P2P site created by the Stikcredit group. Stikcredit are small but have been performing well. To launch the site they offered rates as high as 16%. However due to strong demand from investors rates have been reducing. Still one of the highest returns available.		Our review
Secured bridge and developer loans	Europe	12-14%	Bulkestate offers a very interesting combination of loans secured with real estate, and high interest rates. They started with only a limited deal flow, but that has started to grow recently. A decent track record so far, this site is growing in popularity.		Our review
Equipment finance	Europe	10-14%	HeavyFinance is based in Lithuania. It's an interesting site that offers loans secured on heavy machinery such as tractors and other farm equipment. A new site but the team behind it have experience in both P2P and equipment finance. Strong returns and an interesting asset class.	2%+	Our review
Property backed loans	Europe	10-16%	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.		Visit Crowdestate
Personal loans	Europe	14%	Lendermarket is a P2P site that has been setup by one of the most active users of P2P funding - Creditstar. Creditstar had been one of our highest rated lenders however we have reduced their score due to apparent liquidity issues at the company.	1%	Our review
Short-term personal loans & longer term secured loans	Europe	12-14%	Robo.cash is a fairly small site but it offers market leading returns for loans with buyback guarantees and is backed by a profitable lending group. Returns have recently fallen slightly as investor demand has exceeded loan supply	1%	Our review
Litigation finance	UK	20-30%	AxiaFunder is a bit different to other sites but we think it is very interesting. They help to crowdfund litigation, and the returns depend on the outcome of the litigation. High risk/reward but worth taking a look if you have some funds you are willing to make some financial bets with, where the odds are in your favour		Visit AxiaFunder
Personal loans	Europe	31%	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	Our review
Mezzanine development loans	UK	10-16%	CapitalStackers specialises in mezzanine loans that sit between the senior lender and the developer equity. LTVs are usually between 60-75%. This type of lending is higher risk but the team has a very good track record so far. The higher rates reflect the risk profile.		Visit CapitalStackers
Personal loans	Global	12-14%	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
Bridge loans	UK	9-12%	Somo (previously known as Bridgecrowd) is currently in our view one of the best P2P sites available. Loans are secured and offer high returns, and the team have a good lending track record. Many loans have 12% rates. £5,000 minimum investment	£100	Our review
Developer & bridge loans	UK	10-12%	Blend Network offers the highest returns available in the UK for secured loans. It does this by finding niches where there is little competition from the major banks currently. A fairly new site but we think it has good prospects	1%	Our review
Personal loans, business loans	Lithuania	13-27%	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