Best P2P Lending Platforms 2026
By Thomas Lovas Lokoy — researched and drafted with AI assistance from published sources; edited and published by NorwegianSpark SA
Invest in peer-to-peer lending and diversify your income. Compare platforms that connect borrowers and lenders directly.
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Compare every P2P & crowdfunding platform we track →Full directory grouped by model and collateral — property-backed, agricultural, consumer and business lending. Capital at risk.
EstateGuru
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Lendermarket
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
LANDE
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Hive5
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
robo.cash
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
TWINO
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Crowdpear
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Debitum
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Lonvest
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Monefit SmartSaver
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
nectaro
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Loanch
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
AxiaFunder
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Losses can exceed the invested amount.
Asterra Estate — Launch
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Asterra Estate — Thrive
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Devon
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Digilo
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Smart Crowd
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Norgehouse
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Mypeak
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Modena
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Fintown
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
FF Forest
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
InRento
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
InRento (new-investor offer)
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
InSoil Finance
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
TD Funding
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Bricks Funding
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Millea
Investing involves risk. You may lose some or all of the capital invested. Returns are not guaranteed and depend on the borrower's ability to repay and, where relevant, the value and enforceability of collateral. Millea OÜ is not authorised or supervised as a crowdfunding service provider or investment firm. Information is for informational purposes only and does not constitute an offer; any offer is made only upon request to an eligible registered user and subject to applicable law.
Silvaland
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
7Harvests
Peer-to-peer lending or crowdfunding. Capital at risk, returns are not guaranteed, and it is not covered by deposit protection.
Understanding P2P Lending
- •What is P2P Lending: Direct loans from investors to borrowers, cutting out traditional banks
- •Returns Are Not Guaranteed: Advertised rates are targets, not promises — unlike a savings account, your capital is at risk and not deposit-protected
- •Risk & Diversification: Default risk exists—diversify across many loans to reduce impact
- •Tax Implications: Interest income is taxable as ordinary income, not capital gains
P2P lending guides
What platforms advertise and what investors keep, head-to-head comparisons, and the questions to ask before you lend.
P2P Lending Interest Rates 2026: What Platforms Pay
P2P lending interest rates in 2026: what nine European platforms advertise (6% to 14%), why rates differ, and how much of an advertised rate an investor keeps.
Best P2P Lending Platforms in Europe 2026: 15 by Licence
15 European P2P lending platforms grouped by the licence they hold (ECSPR, MiFID, AML-only or none), with operator, regulator and source. Capital at risk.
EstateGuru vs InRento: Property Lending Compared (2026)
EstateGuru vs InRento: €50 vs €500 minimums, interest-only vs rent plus capital gain, Estonian vs Lithuanian licence, fees, exits and risks side by side.
Mintos Alternatives 2026: 12 P2P Platforms by Licence
Looking beyond Mintos? Twelve European P2P lending platforms grouped by the licence each actually holds, with the regulator named. Capital at risk.
Is P2P Lending Safe? A Sceptic's Guide to 13% Returns
Is P2P lending safe? Where 13% returns come from, what a licence does and does not do, why buyback guarantees fail, and eight questions to ask first.
P2P Lending Explained: How It Works, Risks and Returns
Peer-to-peer lending explained: how it works, borrower rates vs investor returns, defaults, platform risk, diversification, tax and who it suits.