The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,981 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Best P2P Platforms by Community Trust 2026
Every investor on P2P Dash states, per platform, what they plan to do next: add funds, reinvest, hold, reduce or exit. This ranking orders the 27 qualified platforms by that signal. Go & Grow leads with a community score of 72 out of 100.
27 platforms qualified with at least 50 investor votes each.
Data as of September 18, 2026
- 1
Go & Grow271 votes · 993 investors · €9.75M tracked
6.3%
Median return p.a.
72
Community score
- 2
Monefit237 votes · 950 investors · €10.1M tracked
8.6%
Median return p.a.
7.6% without bonuses
72
Community score
- 3
Nectaro159 votes · 534 investors · €4.34M tracked
16.6%
Median return p.a.
13.2% without bonuses
70
Community score
- 4
Debitum245 votes · 878 investors · €5.8M tracked
15.2%
Median return p.a.
13.1% without bonuses
68
Community score
- 5
Afranga155 votes · 476 investors · €3.83M tracked
14.8%
Median return p.a.
13.8% without bonuses
68
Community score
- 6
Triple Dragon Funding98 votes · 279 investors · €1.64M tracked
–
Median return p.a.
66
Community score
- 7
Modena91 votes · 322 investors · €1.24M tracked
10.7%
Median return p.a.
10.1% without bonuses
66
Community score
- 8
Loanch106 votes · 363 investors · €1.99M tracked
15.8%
Median return p.a.
14.1% without bonuses
64
Community score
- 9
Peerberry148 votes · 494 investors · €3.85M tracked
9.2%
Median return p.a.
63
Community score
- 10
Income119 votes · 368 investors · €1.88M tracked
12.0%
Median return p.a.
11.8% without bonuses
62
Community score
- 11
Viainvest165 votes · 540 investors · €3.54M tracked
12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 12
Twino86 votes · 290 investors · €1.41M tracked
11.6%
Median return p.a.
11.4% without bonuses
61
Community score
- 13
Indemo159 votes · 518 investors · €2.7M tracked
5.7%
Median return p.a.
0.7% without bonuses
59
Community score
- 14
Hive562 votes · 266 investors · €1.2M tracked
13.9%
Median return p.a.
59
Community score
- 15
Mintos273 votes · 1,069 investors · €10.1M tracked
10.5%
Median return p.a.
9.9% without bonuses
58
Community score
- 16
Lande135 votes · 411 investors · €1.09M tracked
9.3%
Median return p.a.
8.8% without bonuses
58
Community score
- 17
FF Forest114 votes · 413 investors · €2.31M tracked
–
Median return p.a.
58
Community score
- 18
LenderMarket131 votes · 422 investors · €3.01M tracked
17.7%
Median return p.a.
15.0% without bonuses
56
Community score
- 19
Devon100 votes · 333 investors · €2.27M tracked
22.1%
Median return p.a.
16.1% without bonuses
56
Community score
- 20
Fintown52 votes · 174 investors · €1.28M tracked
10.4%
Median return p.a.
10.0% without bonuses
56
Community score
- 21
Asterra Estate88 votes · 288 investors · €1.99M tracked
23.6%
Median return p.a.
16.3% without bonuses
52
Community score
- 22
Swaper104 votes · 334 investors · €2.85M tracked
13.3%
Median return p.a.
50
Community score
- 23
Maclear107 votes · 440 investors · €4.18M tracked
23.4%
Median return p.a.
15.6% without bonuses
42
Community score
- 24
Esketit112 votes · 362 investors · €1.84M tracked
11.5%
Median return p.a.
11.1% without bonuses
40
Community score
- 25
Robocash94 votes · 272 investors · €1.28M tracked
10.2%
Median return p.a.
10.0% without bonuses
38
Community score
- 26
Ventus Energy203 votes · 693 investors · €8.79M tracked
26.8%
Median return p.a.
19.6% without bonuses
31
Community score
- 27
Estateguru69 votes · 172 investors · €1.42M tracked
5.8%
Median return p.a.
5.7% without bonuses
5
Community score
How this ranking works
The score
Each investor's stated plan is weighted: add funds +2, reinvest +1, hold 0, reduce −1, exit −2. The average is scaled to 0–100, where 50 is neutral.
Who qualifies
A platform needs at least 20 investors with tracked data and at least 50 stated intentions. Below that, a single vote would swing the score too much.
More rankings
The same data, read by one question at a time.
Best P2P Platforms by Return 2026
What investors intend to do is one thing. What they earned is another. This second ranking orders 46 platforms by the median return their tracked portfolios actually realised, measured as XIRR on imported transactions. Ventus Energy leads with 26.8% a year.
- 1 Ventus Energy
371 portfolios · 24.9% – 30.4%
▼26.8%
Median p.a.
19.6% without bonuses
- 2 Asterra Estate
111 portfolios · 22.5% – 28.1%
▼23.6%
Median p.a.
16.3% without bonuses
- 3 Maclear
253 portfolios · 17.5% – 28.3%
▲23.4%
Median p.a.
15.6% without bonuses
- 4 Devon
127 portfolios · 20.7% – 24.2%
▼22.1%
Median p.a.
16.1% without bonuses
- 5 LenderMarket
196 portfolios · 14.7% – 19.9%
▼17.7%
Median p.a.
15.0% without bonuses
How this ranking works
The figure
Returns are XIRR per portfolio, aggregated as the median of what those portfolios realised, cashback and loyalty bonuses included. The bonus-free figure is shown next to it, so you can see how much of the return comes from lending alone.
Who qualifies
A platform needs at least 10 portfolios with imported transaction data. Below that, a single portfolio would move the median too much.
Returns are historical and say nothing about future results.
Where the data comes from
Every ranking on this page reads the same nightly data set: the real portfolios that investors on P2P Dash import and track. Each ranking applies its own rules to that data; they are explained beneath each list.
Basis for this page: 1,981 investors, €108M in tracked capital and published figures for 66 platforms, as of September 18, 2026. The numbers come from imported transaction data, not from surveys.
See the statistics for all platforms →Always current
The underlying statistics are recalculated every night from anonymized portfolio data of all P2P Dash users.
Independent
The order is determined by data alone. No platform can pay to move up, and none can prevent a bad score.
Popular comparisons
The rankings on this page are aggregated from the portfolio data and stated intentions of P2P Dash users. They are not investment advice and not a recommendation to buy or sell. Past performance is not a reliable indicator of future results.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
Regulated P2P Lending Platforms in Europe
Regulation doesn't guarantee returns, but it determines which rules a platform must follow and who supervises it. Of the 27 platforms in this ranking, 14 are regulated in some form: 6 as MiFID II investment firms and 4 under the EU crowdfunding regulation (ECSP), the rest under national regimes.
MiFID II investment firms
Licensed as investment firms under the EU's MiFID II framework: the strictest tier, with extensive disclosure duties and an investor-compensation scheme covering 90% of claims up to €20,000 per investor. Note it protects against the firm's own failure, not against loan defaults.
ECSP crowdfunding licence
Authorised under the European Crowdfunding Service Provider regulation, which harmonises rules across the EU: vetted management, capital requirements, key investment information sheets and supervision by a national authority.
National licences
Regulated under a national regime, for example a local lending or brokerage licence, rather than an EU-wide framework. Protection levels vary by country; the details are on each platform page.
Regulatory status is maintained per platform and shown on each platform page together with the specific licences and the supervising authority. Licences can be granted and surrendered. Verify directly with the supervisory authority before investing. We do our best to keep this information current but cannot guarantee it; if you spot an error, please contact us so we can correct it.
P2P Platforms by Asset Class
Not all P2P lending is the same asset class: consumer loans, business loans, property-backed projects and pooled yield accounts differ in risk, liquidity and returns. Here the 27 ranked platforms are grouped by the asset classes they actually finance; a platform that funds two of them appears in both. Within each class the order is by realised return.
Consumer loans
Best platform for Consumer loans by return: LenderMarket at 17.7% a year.
- 1 LenderMarket 17.7% 56
- 2 Nectaro 16.6% 70
- 3 Loanch 15.8% 64
Business loans (SME)
Best platform for Business loans (SME) by return: Maclear at 23.4% a year.
- 1 Maclear 23.4% 42
- 2 LenderMarket 17.7% 56
- 3 Nectaro 16.6% 70
Real estate
Best platform for Real estate by return: Asterra Estate at 23.6% a year.
- 1 Asterra Estate 23.6% 52
- 2 Devon 22.1% 56
- 3 Twino 11.6% 61
Yield accounts
Best platform for Yield accounts by return: Twino at 11.6% a year.
Agriculture
Best platform for Agriculture by return: Debitum at 15.2% a year.
Litigation funding
Best platform for Litigation funding by return: Income at 12.0% a year.
- 1 Income 12.0% 62
Crypto-backed
Best platform for Crypto-backed by return: Mintos at 10.5% a year.
- 1 Mintos 10.5% 58
Renewable energy
Best platform for Renewable energy by return: Ventus Energy at 26.8% a year.
- 1 Ventus Energy 26.8% 31
Frequently asked questions
Everything you need to know about the rankings on this page.
Which P2P lending platform is the best in 2026?
Based on the sentiment of 1,981 investors on P2P Dash, Go & Grow currently leads the ranking with a community score of 72 out of 100. The order shifts as investors adjust their strategies; the ranking is recalculated daily.
How is the community score calculated?
Every investor states an intent per platform: add funds (+2), reinvest (+1), hold (0), reduce (−1), exit (−2). The weighted average is scaled to 0–100, where 50 is neutral. A score above 50 means investors on balance plan to increase their exposure.
Which P2P platform has the highest return?
Of the 46 platforms with enough tracked portfolios to publish a figure, Ventus Energy has the highest median return at 26.8% a year. The figure is the median XIRR of real portfolios including cashback and loyalty bonuses, so it is what those investors actually kept. The bonus-free figure is shown next to it.
Why is a platform missing from a ranking?
Each ranking has its own threshold. The community ranking requires at least 20 investors with tracked data and 50 stated intentions per platform; the return ranking requires at least 10 portfolios with imported transactions. That is why a platform can appear in one list but not in another. Platforms qualify automatically as more investors track them.
How current is the data?
The statistics are recalculated every night from anonymized portfolio data of all P2P Dash users, and this page is rebuilt daily. The date above the list is the cutoff day of the latest run.
Which P2P platforms are regulated in Europe?
Of the 27 platforms in this ranking, 14 are regulated: 6 hold a MiFID II investment-firm licence, 4 an EU crowdfunding (ECSP) licence, and the rest operate under national regimes. The specific licences and the supervising authority are listed on each platform's detail page.
Are these rankings investment advice?
No. They are aggregated from the portfolio data and stated intentions of P2P Dash users and are provided for information only. Always do your own research before investing; past performance is not a reliable indicator of future results.
Sentiment is just one of six factors
In the P2P Dash app, the Discover ranking also weighs actual returns, money-flow momentum, user growth and capital efficiency. You can also compare your own portfolio against the community.
