P2P lending platform comparison
Every platform we cover, with the numbers we could verify. Sort and filter to narrow it down, then read the full review before you commit anything.
25 platforms · Links marked with an arrow are partner links.
- Avg. return
- 10.28%
- Min. investment
- €50
- Buyback
MiFID II investment firm licence 06.06.08.719/534 (Latvijas Banka)
- Avg. return
- 9.32%
- Min. investment
- €50
- Buyback
ECSPR licence (Estonia)
- Avg. return
- 11.2%
- Min. investment
- €50
- Buyback
ECSPR licence (Latvia)
3% cashback on what you invest in your first 30 days See the bonus conditions
- Avg. return
- 11.5%
- Min. investment
- €10
- Buyback
Investment firm licence 06.06.08.728/537 (Latvijas Banka, 21 Sep 2021)
1% cashback on what you invest in your first 30 days See the bonus conditions
- Avg. return
- 15.1%
- Min. investment
- €10
- Buyback
MiFID II investment firm licence 06.06.08.824/547 (Latvijas Banka, granted 15 Nov 2022)
- Avg. return
- 14.0%
- Min. investment
- €50
- Buyback
Investment firm licence 27-55/2023/3 (Latvijas Banka, 29 Mar 2023)
- Avg. return
- 12.0%
- Min. investment
- €1
- Buyback
MiFID II investment firm licence 27-55/2025/7 (Latvijas Banka, issued 31 Aug 2021)
2% cashback on 12-month notes See the bonus conditions
- Avg. return
- 16.0%
- Min. investment
- €10
- Buyback
ECSPR licence, decision 863-DUKF of 12 Sep 2023 (Financial Supervision Commission, Bulgaria)
0.5% cashback on money you deposit and invest in your first 90 days See the bonus conditions
- Avg. return
- 13.46%
- Min. investment
- €10
- Buyback
ECSPR licence C513967 (Central Bank of Ireland, 17 Dec 2024)
1.5% cashback on your net invested funds over 90 days See the bonus conditions
- Avg. return
- 6.0%
- Min. investment
- €1
- Buyback
Go & Grow itself is not regulated. The lender behind it, Bondora AS, holds an Estonian FSA credit-provider licence
€5 welcome bonus See the bonus conditions
- Avg. return
- 11.0%
- Min. investment
- €10
- Buyback
Not licensed under ECSPR
- Avg. return
- 14.0%
- Min. investment
- €10
- Buyback
No licence. Moved its operating entity from Ireland to Croatia in October 2025; management has said it is preparing a licence application
0.5% cashback on what you invest in your first 90 days See the bonus conditions
- Avg. return
- 9.9%
- Min. investment
- €1
- Buyback
Not licensed under ECSPR
- Avg. return
- 13.51%
- Min. investment
- €10
- Buyback
No licence. Income Company OÜ is not on the Estonian FSA's crowdfunding register
- Avg. return
- 10.52%
- Min. investment
- €10
- Buyback
Not licensed under ECSPR
0.25% cashback on your net transfers in your first 90 days See the bonus conditions
- Avg. return
- 14.4%
- Min. investment
- €10
- Buyback
ECSPR application pending
- Avg. return
- 12.0%
- Min. investment
- €150
- Buyback
ECSPR licence 27-10/2025/222 (Latvijas Banka, issued 16 Sep 2025)
3% cashback on what you invest in your first 60 days See the bonus conditions
- Avg. return
- 14.0%
- Min. investment
- €10
- Buyback
Not licensed under ECSPR
- Avg. return
- 12.0%
- Min. investment
- €100
- Buyback
Not licensed under ECSPR
- Avg. return
- 16.5%
- Min. investment
- €50
- Buyback
No financial licence. Member of PolyReg, a FINMA-recognised self-regulatory body covering anti-money-laundering only
- Avg. return
- 15.0%
- Min. investment
- €10
- Buyback
No licence. An ordinary Croatian limited company, not supervised by HANFA or any financial regulator
- Avg. return
- 25.0%
- Min. investment
- €90
- Buyback
No financial licence. A virtual-asset registration in Saint Vincent & the Grenadines and a Canadian money-services registration; neither is prudential supervision
30 USDC welcome bonus See the bonus conditions
- Avg. return
- 15.49%
- Min. investment
- €1,000
- Buyback
No licence. Asterra's own risk page states the loans are not overseen by any financial supervisory authority
1% cashback on what you invest in your first 90 days See the bonus conditions
- Avg. return
- 15.24%
- Min. investment
- €1,000
- Buyback
No licence. Devon's own risk page states the loans are not overseen by any financial supervisory authority
- Avg. return
- 15.0%
- Min. investment
- €50
- Buyback
No licence. The terms state the company is not supervised by the Swiss financial market authority; a self-regulatory anti-money-laundering membership is reported as applied for, not granted
€21 starter bonus, in 3 steps of €7 See the bonus conditions
Figures last checked: Sep 21, 2026