The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
More rankings
The same data, read by one question at a time.
Best P2P Platforms by Community Trust 2026
Where do investors want to add money, and where are they pulling back?
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 29 qualified platforms by that signal. Inrento leads with a community score of 77 out of 100.
29 platforms qualified with at least 50 investor votes each.
Data as of November 12, 2026
- 1
Inrento60 votes · 163 investors · €839K tracked
8.9%
Median return p.a.
8.7% without bonuses
77
Community score
- 2
Go & Grow309 votes · 1,069 investors · €10.5M tracked
6.1%
Median return p.a.
73
Community score
- 3
Monefit281 votes · 1,040 investors · €12.4M tracked
8.7%
Median return p.a.
7.6% without bonuses
71
Community score
- 4
Modena116 votes · 366 investors · €1.54M tracked
11.6%
Median return p.a.
9.3% without bonuses
70
Community score
- 5
Revest60 votes · 184 investors · €1.1M tracked
–
Median return p.a.
70
Community score
- 6
Nectaro184 votes · 584 investors · €4.58M tracked
16.0%
Median return p.a.
13.0% without bonuses
68
Community score
- 7
Afranga175 votes · 512 investors · €4.13M tracked
14.9%
Median return p.a.
13.8% without bonuses
68
Community score
- 8
Debitum288 votes · 964 investors · €6.57M tracked
15.2%
Median return p.a.
13.2% without bonuses
65
Community score
- 9
Peerberry172 votes · 554 investors · €4.27M tracked
9.1%
Median return p.a.
65
Community score
- 10
Income132 votes · 405 investors · €2.12M tracked
12.0%
Median return p.a.
11.7% without bonuses
64
Community score
- 11
Triple Dragon Funding115 votes · 303 investors · €1.76M tracked
–
Median return p.a.
64
Community score
- 12
Hive577 votes · 291 investors · €1.37M tracked
13.9%
Median return p.a.
64
Community score
- 13
Loanch129 votes · 411 investors · €2.28M tracked
15.4%
Median return p.a.
14.1% without bonuses
62
Community score
- 14
Twino108 votes · 334 investors · €1.69M tracked
11.6%
Median return p.a.
11.3% without bonuses
62
Community score
- 15
Viainvest183 votes · 579 investors · €3.7M tracked
12.0%
Median return p.a.
11.6% without bonuses
59
Community score
- 16
Lande158 votes · 459 investors · €1.28M tracked
9.4%
Median return p.a.
8.9% without bonuses
58
Community score
- 17
LenderMarket146 votes · 449 investors · €2.98M tracked
17.2%
Median return p.a.
14.6% without bonuses
57
Community score
- 18
Devon106 votes · 353 investors · €2.46M tracked
21.9%
Median return p.a.
15.9% without bonuses
57
Community score
- 19
Mintos310 votes · 1,146 investors · €10.5M tracked
10.1%
Median return p.a.
9.4% without bonuses
55
Community score
- 20
Indemo178 votes · 555 investors · €2.95M tracked
5.7%
Median return p.a.
0.7% without bonuses
55
Community score
- 21
Swaper121 votes · 352 investors · €3.14M tracked
13.3%
Median return p.a.
51
Community score
- 22
Asterra Estate97 votes · 297 investors · €2.06M tracked
22.8%
Median return p.a.
16.3% without bonuses
51
Community score
- 23
Fintown60 votes · 186 investors · €1.29M tracked
10.4%
Median return p.a.
10.0% without bonuses
51
Community score
- 24
FF Forest129 votes · 426 investors · €2.4M tracked
25.0%
Median return p.a.
19.3% without bonuses
49
Community score
- 25
Robocash111 votes · 299 investors · €1.36M tracked
10.2%
Median return p.a.
10.0% without bonuses
43
Community score
- 26
Maclear124 votes · 475 investors · €4.61M tracked
23.9%
Median return p.a.
15.6% without bonuses
41
Community score
- 27
Esketit130 votes · 393 investors · €1.76M tracked
11.5%
Median return p.a.
11.1% without bonuses
37
Community score
- 28
Ventus Energy216 votes · 704 investors · €9.06M tracked
27.1%
Median return p.a.
19.4% without bonuses
27
Community score
- 29
Estateguru80 votes · 187 investors · €1.48M tracked
5.4%
Median return p.a.
6
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.
Best P2P Platforms by Return 2026
Where did investors with real portfolios earn the most?
What investors intend to do is one thing. What they earned is another. This second ranking orders 49 platforms by the median return their tracked portfolios actually realised, measured as XIRR on imported transactions. Ventus Energy leads with 27.1% a year.
- 1Ventus Energy
458 portfolios · 24.8% – 31.3%
▼27.1%
Median p.a.
19.4% without bonuses
- 2
8lends14 portfolios · 22.9% – 30.9%
▲25.0%
Median p.a.
24.1% without bonuses
- 3FF Forest
63 portfolios · 23.7% – 32.6%
25.0%
Median p.a.
19.3% without bonuses
- 4Maclear
294 portfolios · 18.1% – 29.3%
▲23.9%
Median p.a.
15.6% without bonuses
- 5Asterra Estate
150 portfolios · 21.4% – 28.2%
▼22.8%
Median p.a.
16.3% 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.
Regulated P2P Lending Platforms in Europe
Which platforms hold a licence, and what kind?
Regulation doesn't guarantee returns, but it determines which rules a platform must follow and who supervises it. Of the 29 platforms in this ranking, 15 are regulated in some form: 6 as MiFID II investment firms and 5 under the EU crowdfunding regulation (ECSP), the rest under national regimes.
- ECSP crowdfunding licence5
- InrentoAfrangaLandeLenderMarketEstateguru
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
Which platform fits consumer loans, real estate or business loans?
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 29 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 17.2% a year.
- 1LenderMarket17.2%57
- 2Nectaro16.0%68
- 3Loanch15.4%62
Business loans (SME)
Best platform for Business loans (SME) by return: Maclear at 23.9% a year.
- 1Maclear23.9%41
- 2LenderMarket17.2%57
- 3Nectaro16.0%68
Real estate
Best platform for Real estate by return: Asterra Estate at 22.8% a year.
- 1Asterra Estate22.8%51
- 2Devon21.9%57
- 3Twino11.6%62
Yield accounts
Best platform for Yield accounts by return: Twino at 11.6% a year.
Where the money went in Q3 2026
Where did investors put their money last quarter, and where did they take it out?
Where the data comes from
What is behind every figure on this page.
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: 2,124 investors, €122M in tracked capital and published figures for 68 platforms, as of November 12, 2026. The numbers come from imported transaction data, not from surveys. That is why the platform counts differ: 29 clear the bar for the trust ranking, 49 the one for the return ranking, and 68 platforms have published figures at all.
See the statistics for all platforms →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.
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.
The rankings, explained in a video
In three minutes, the video shows which question each ranking answers, where the numbers come from and where their limits are.
Welche P2P-Plattform ist die beste? 7 Rankings, eine Datenbasis
P2P Dash
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 2,124 investors on P2P Dash, Inrento currently leads the ranking with a community score of 77 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 49 platforms with enough tracked portfolios to publish a figure, Ventus Energy has the highest median return at 27.1% 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 29 platforms in this ranking, 15 are regulated: 6 hold a MiFID II investment-firm licence, 5 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.
Compare Platforms
The full picture: all metrics weighted equally for a well-rounded view
- 1Quanloop78
- 2Afranga78
- 3Nectaro75
- 4Loanch74
- 5Debitum72