P2P platform reviews
In-depth reviews of the P2P lending platforms we track: how each one works, who runs it, what can go wrong and who it suits. Every review uses the same safety methodology.
This review is currently available in English only.
- MintosConsumer7.6P4U Safety ScoreMintos Review 2026: Strong Regulation, Real Credit RiskMintos is a MiFID-licensed Latvian investment firm selling loan-backed notes. Strong on regulation and disclosure; the credit risk of the lending companies remains yours.Advertised return: 10.28% (platform average)Read review →
- EstateGuruReal estate7.1P4U Safety ScoreEstateGuru Review 2026: Mortgage-Backed, but Defaults Run HighEstateGuru OÜ is an Estonian crowdfunding service provider lending against first-rank mortgages. Long record and detailed disclosure; high default rates since 2023 and new investor fees.Advertised return: 9.32% (platform average)Read review →
- LandeAgriculture7.0P4U Safety ScoreLANDE Review 2026: Farm Loans on Land, With Slow RecoveriesLANDE lends investor money to farms in Latvia, Lithuania, Romania and Poland against land and machinery. Licensed, profitable and fee-free, but arrears are high and recoveries slow.Advertised return: 11.2% (platform average)Read review →
- DebitumBusiness6.9P4U Safety ScoreDebitum Review 2026: Licensed, but Tied to One Forestry IssuerDebitum is a Latvian licensed investment firm selling business-loan notes. Solid regulatory footing and no investor fees, but no secondary market and heavy concentration in one forestry issuer.Advertised return: 11.5% (platform average)Read review →
- IndemoReal estate6.6P4U Safety ScoreIndemo Review 2026: Licensed Platform, Locked-In Spanish DebtIndemo SIA is a Latvijas Banka-licensed investment firm selling Notes on discounted Spanish mortgage debt. Strong regulation and disclosure; no early exit, and one Spanish partner behind every deal.Advertised return: 15.1% (target rate, not guaranteed)Read review →
- NectaroConsumer6.1P4U Safety ScoreNectaro Review 2026: A Real Licence, One Lending Group Behind ItNectaro is a MiFID-licensed Latvian investment firm whose notes are backed entirely by loans from Dyninno group lenders. Strong structure, single-group credit risk, no secondary market.Advertised return: 14.0% (advertised maximum)Read review →
- TwinoConsumer6.1P4U Safety ScoreTwino Review 2026: Licensed, Audited and Down to One LenderTwino holds a Latvian MiFID licence and publishes audited accounts, but every euro now funds one Polish lender in its own group, under scrutiny from Poland's consumer watchdog.Advertised return: 12.0% (advertised maximum)Read review →
- AfrangaConsumer5.9P4U Safety ScoreAfranga Review 2026: A Real Licence, One Lending GroupAfranga holds a Bulgarian ECSP licence and keeps client money at Lemonway. Most of its lending, though, goes to Stikcredit and two sister companies, with no buyback and no compensation scheme.Advertised return: 16.0% (advertised maximum)Read review →
- LendermarketConsumer5.8P4U Safety ScoreLendermarket Review 2026: Licensed, Loss-Making, Creditstar-LinkedLendermarket is an Irish-licensed crowdfunding platform in the same ownership as Creditstar. High coupons, a lender buyback with extensions, and an operator whose auditor flags going-concern uncertainty.Advertised return: 13.46% (platform average)Read review →
- BondoraConsumer5.4P4U Safety ScoreBondora Go & Grow Review 2026: A 6% Target Outside RegulationGo & Grow pools Bondora's consumer loans behind a capped rate of up to 6% and near-instant withdrawals. Simple and profitable at group level, but not a regulated investment product.Advertised return: 6.0% (target rate, not guaranteed)Read review →
- PeerBerryConsumer5.0P4U Safety ScorePeerBerry Review 2026: Strong Record, No Licence, One GroupPeerBerry is an unlicensed loan marketplace founded by the Aventus Group. Strong repayment record, including the 2022 war-affected loans; no regulator, and the backstop is the group itself.Advertised return: 11.0% (platform average)Read review →
- EsketitConsumer4.8P4U Safety ScoreEsketit Review 2026: Unlicensed, Founder-Owned LendersEsketit advertises up to 14% but holds no licence, moved from Ireland to Croatia in October 2025 with a pause in liquidity features, and lends largely to companies its founders own.Advertised return: 14.0% (advertised maximum)Read review →
- Income MarketplaceConsumer4.7P4U Safety ScoreIncome Marketplace Review 2026: Careful Design, No LicenceIncome Marketplace sells claims on consumer and SME loans from non-bank lenders, protected by buyback, junior share and a cash-flow buffer. Thoughtful design, but unlicensed and very small.Advertised return: 13.51% (platform average)Read review →
- Monefit SmartSaverConsumer4.7P4U Safety ScoreMonefit SmartSaver Review 2026: 7.5% on Demand, One Lender Behind ItSmartSaver sells claims on Creditstar Group consumer loans at 7.5% with flexible access, or up to 10.52% for locked Vaults. Profitable, audited group; unlicensed product; one borrower group.Advertised return: 10.52% (advertised maximum)Read review →
- DigiloReal estate4.6P4U Safety ScoreDigilo Review 2026: Licensed Mortgage Loans, Five Loans InDigilo is a young Latvian crowdfunding platform for real-estate-secured loans, licensed by Latvijas Banka. Sensible collateral rules; almost no history and notable related-party ties.Advertised return: 12.0% (advertised maximum)Read review →
- FintownReal estate4.1P4U Safety ScoreFintown Review 2026: Prague Rentals, One Developer, No LicenceFintown finances Vihorev group property in Prague through loan participations. Real buildings and monthly interest, but no licence, a related-party borrower and a claim against Fintown itself.Advertised return: 12.0% (advertised maximum)Read review →
- MaclearBusiness3.8P4U Safety ScoreMaclear Review 2026: Swiss Address, No Financial LicenceMaclear AG sells claims on collateralised SME loans from €50. It has a working secondary market, but no financial licence, no audited accounts and negative equity in its latest published report.Advertised return: 16.5% (advertised maximum)Read review →
- LonvestConsumer3.5P4U Safety ScoreLonvest Review 2026: Up to 15%, One Owner, No LicenceLonvest sells short-term loans from its owner's own lending group through a tiny, unlicensed Croatian company. Clean record so far; one counterparty, no published accounts.Advertised return: 15.0% (advertised maximum)Read review →
- 8lendsBusiness3.4P4U Safety Score8lends Review 2026: Crypto Business Loans, Unclear Operator8lends is a stablecoin crowdlending platform from Maclear's founders, advertising up to 25% APR. On-chain and liquid, but unlicensed, unaudited and with an unclear contracting entity.Advertised return: 25.0% (advertised maximum)Read review →
- Asterra EstateReal estate2.9P4U Safety ScoreAsterra Estate Review 2026: One Village, Subordinated LoansAsterra Estate funds one owner's Latvian village project at about 15%. Owner capital goes in first, but claims are subordinated and the platform is unlicensed.Advertised return: 15.49% (platform average)Read review →
- DevonReal estate2.8P4U Safety ScoreDevon Review 2026: Honest Risk Page, Subordinated LoansDevon funds one Latvian developer's projects at about 15%. Candid risk disclosure, but no licence, no filed accounts and subordinated claims since May 2026.Advertised return: 15.24% (platform average)Read review →
- 7HarvestsBusiness2.6P4U Safety Score7Harvests Review 2026: Swiss Company, No Licence, No Track Record7Harvests is a four-month-old, unlicensed Swiss lending platform with one public loan and a buyback backed by a company that reported CHF 12,305 of equity. Too new to judge.Advertised return: 15.0% (target rate, not guaranteed)Read review →
P2P lending and crowdlending carry real risk. You can lose part or all of the money you invest, and returns are never guaranteed — advertised rates are not a promise.