Compare P2P lending platforms. Understand the risks.
Returns, regulation, liquidity and track record for 25 European platforms — every figure linked to its source and dated, every score explained.
Highest safety scores
Our score- 1Mintos10.28% platform average7.6
- 2EstateGuru9.32% platform average7.1
- 3Lande11.2% platform average7.0
- 4Debitum11.5% platform average6.9
- 5Indemo15.1% target rate, not guaranteed6.6
- 6Nectaro14.0% advertised maximum6.1
Ranked by our safety score, which is not a guarantee. Returns as each platform reports them.
- Platforms compared
- 25
- Scored on
- 6 weighted criteria
How the safety score works
Every platform gets a score out of 10 from six criteria, weighted by how much each one protects your money. The inputs are published facts — licences, years of operation, documented incidents, what the platform discloses — so the same facts always produce the same score.
7.5 and above: strong · 6.0 to 7.4: fair · below 6.0: weak
The score is our assessment under this method. It does not guarantee that a platform is safe or that you will get your money back.
Regulation
30%Decides what happens to your uninvested cash if the platform fails. An investment firm licence outranks a crowdfunding licence because it brings client-money segregation and, usually, a compensation scheme.
Track record
25%Years of operation with diminishing returns, minus documented incidents. A penalty is halved once investors were made whole — a platform that hit trouble and repaid has proved something an untested one has not.
Transparency
15%Counts five things a platform can show you: audited accounts, loan-level data, originator detail, recovery figures, and a publicly listed parent.
Liquidity
15%Whether you can get out, how fast and at what cost. A platform that has frozen withdrawals before loses two points, because it can do it again.
Diversification
10%How many independent balance sheets stand behind the loans. A buyback from a single group is one insolvency away from worthless.
Yield sanity
5%The penalty dimension. Full marks at or below 10%, falling to 3 at 16% and above.
Before you invest a single euro
P2P lending is not a savings account. Loan originators default, buyback guarantees are only as good as the company behind them, and platforms have frozen withdrawals with no notice. Capital invested in P2P loans is not covered by any deposit guarantee scheme.
What our figures can and cannot tell you
- Figures come from each platform's own pages. We link the source and show the date we read it, which is not necessarily when the platform published it. We do not audit platforms or their loan books.
- Scores rest on published information, not on our own investment results.
- A high score means fewer known weaknesses, not that your money is safe. Past returns do not predict future returns.
How returns are labelled
- platform average
- An average the platform publishes, usually the interest rate across its loans.
- advertised maximum
- The highest rate the platform advertises. Most investors earn less.
- target rate, not guaranteed
- What the platform aims to pay. A goal, not a result.
None of these is what investors actually kept after defaults, fees and tax.
Latest updates
Guides, platform news and changes, each dated.
P2P lending fees compared: what the seven licensed platforms we rate highest charge
Deposits, investing, withdrawals, selling early and idle cash: what Lande, Debitum, Nectaro, Indemo, Twino, Mintos and EstateGuru charge investors, and where the fees hide.
ReadThe best P2P lending platforms in Europe for 2026: the seven we rate highest
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ReadWho is behind P2PforYou
Neven Scagnoli
Neven Scagnoli founded P2PforYou and edits every review and comparison on the site. He also covers European P2P lending platforms on his YouTube channel.
About the authorHow this site is funded
Some links are partner links, marked with an arrow. If you open an account through one, we may earn a commission at no cost to you. Commission is not an input to the score — only the six criteria above are — and no platform can pay to change its score, its wording or a warning.
Affiliate disclosure