The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 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 34 qualified platforms by that signal. Bienprêter leads with a community score of 77 out of 100.
34 platforms qualified with at least 20 investor votes each.
Data as of August 3, 2026
- 1
Bienprêter32 votes · 112 investors · €1.71M tracked
14.1%
Median return p.a.
13.2% without bonuses
77
Community score
- 2
Inrento35 votes · 115 investors · €630K tracked
8.8%
Median return p.a.
8.6% without bonuses
76
Community score
- 3
Monefit195 votes · 841 investors · €8.03M tracked
8.5%
Median return p.a.
7.6% without bonuses
73
Community score
- 4
Go & Grow232 votes · 889 investors · €8.9M tracked
6.4%
Median return p.a.
71
Community score
- 5
Nectaro131 votes · 470 investors · €3.95M tracked
16.7%
Median return p.a.
13.2% without bonuses
70
Community score
- 6
Afranga132 votes · 418 investors · €3.51M tracked
14.6%
Median return p.a.
13.8% without bonuses
69
Community score
- 7
Debitum217 votes · 795 investors · €5.12M tracked
15.2%
Median return p.a.
13.1% without bonuses
67
Community score
- 8
Modena74 votes · 275 investors · €945K tracked
11.0%
Median return p.a.
10.1% without bonuses
67
Community score
- 9
Loanch94 votes · 304 investors · €1.66M tracked
15.7%
Median return p.a.
14.4% without bonuses
66
Community score
- 10
Triple Dragon Funding83 votes · 254 investors · €1.55M tracked
–
Median return p.a.
66
Community score
- 11
Quanloop30 votes · 99 investors · €717K tracked
15.5%
Median return p.a.
65
Community score
- 12
Viainvest149 votes · 504 investors · €3.4M tracked
12.1%
Median return p.a.
11.8% without bonuses
64
Community score
- 13
Income99 votes · 327 investors · €1.63M tracked
12.2%
Median return p.a.
11.8% without bonuses
62
Community score
- 14
Lande116 votes · 374 investors · €1.02M tracked
9.3%
Median return p.a.
8.9% without bonuses
60
Community score
- 15
Twino70 votes · 243 investors · €1.21M tracked
11.7%
Median return p.a.
11.5% without bonuses
60
Community score
- 16
Mintos242 votes · 969 investors · €9.56M tracked
10.9%
Median return p.a.
10.2% without bonuses
59
Community score
- 17
Crowdpear31 votes · 82 investors · €328K tracked
11.6%
Median return p.a.
9.8% without bonuses
58
Community score
- 18
Peerberry124 votes · 432 investors · €3.35M tracked
9.3%
Median return p.a.
57
Community score
- 19
FF Forest101 votes · 385 investors · €2.03M tracked
–
Median return p.a.
57
Community score
- 20
Fintown50 votes · 165 investors · €1.25M tracked
10.6%
Median return p.a.
10.2% without bonuses
57
Community score
- 21
Devon86 votes · 315 investors · €2.22M tracked
22.2%
Median return p.a.
16.0% without bonuses
56
Community score
- 22
LenderMarket109 votes · 379 investors · €2.85M tracked
18.1%
Median return p.a.
15.7% without bonuses
55
Community score
- 23
Hive554 votes · 228 investors · €1.07M tracked
14.1%
Median return p.a.
55
Community score
- 24
MyPeak Finance34 votes · 99 investors · €452K tracked
–
Median return p.a.
55
Community score
- 25
Indemo135 votes · 460 investors · €2.38M tracked
5.7%
Median return p.a.
0.7% without bonuses
54
Community score
- 26
Asterra Estate82 votes · 276 investors · €1.95M tracked
24.9%
Median return p.a.
16.3% without bonuses
52
Community score
- 27
Swaper97 votes · 304 investors · €2.48M tracked
13.3%
Median return p.a.
48
Community score
- 28
Maclear88 votes · 371 investors · €3.19M tracked
23.4%
Median return p.a.
15.6% without bonuses
47
Community score
- 29
Revest22 votes · 76 investors · €323K tracked
–
Median return p.a.
43
Community score
- 30
Esketit96 votes · 320 investors · €1.74M tracked
11.5%
Median return p.a.
11.0% without bonuses
42
Community score
- 31
Robocash85 votes · 248 investors · €1.2M tracked
10.2%
Median return p.a.
38
Community score
- 32
Ventus Energy192 votes · 674 investors · €8.26M tracked
26.6%
Median return p.a.
19.7% without bonuses
37
Community score
- 33
InSoil21 votes · 56 investors · €121K tracked
8.5%
Median return p.a.
7.5% without bonuses
29
Community score
- 34
Estateguru66 votes · 163 investors · €1.44M 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 20 stated intentions. Below that, a single vote would swing the score too much.
Best P2P Platforms by Return 2026
What investors intend to do is one thing. What they earned is another. This second ranking orders 41 platforms by the median return their tracked portfolios actually realised, measured as XIRR on imported transactions. Ventus Energy leads with 26.6% a year.
- 1 Ventus Energy
280 portfolios · 25.0% – 30.2%
▼26.6%
Median p.a.
19.7% without bonuses
- 2 Asterra Estate
90 portfolios · 23.1% – 28.7%
▼24.9%
Median p.a.
16.3% without bonuses
- 3 Maclear
194 portfolios · 17.2% – 27.6%
▲23.4%
Median p.a.
15.6% without bonuses
- 4 Devon
89 portfolios · 20.8% – 24.1%
▼22.2%
Median p.a.
16.0% without bonuses
- 5 LenderMarket
150 portfolios · 15.6% – 20.9%
▼18.1%
Median p.a.
15.7% without bonuses
- 6
La Première Brique21 portfolios · 5.5% – 23.7%
▼17.6%
Median p.a.
- 7 Nectaro
144 portfolios · 14.9% – 20.3%
▼16.7%
Median p.a.
13.2% without bonuses
- 8 Loanch
85 portfolios · 14.2% – 17.9%
–15.7%
Median p.a.
14.4% without bonuses
- 9 Quanloop
20 portfolios · 13.6% – 16.8%
▲15.5%
Median p.a.
- 10 Debitum
386 portfolios · 13.7% – 17.3%
–15.2%
Median p.a.
13.1% without bonuses
- 11 Afranga
119 portfolios · 13.5% – 15.4%
▲14.6%
Median p.a.
13.8% without bonuses
- 12
Finbee14 portfolios · 12.2% – 15.7%
14.5%
Median p.a.
13.9% without bonuses
- 13 Bienprêter
55 portfolios · 13.3% – 16.0%
▲14.1%
Median p.a.
13.2% without bonuses
- 14 Hive5
102 portfolios · 12.8% – 14.6%
–14.1%
Median p.a.
- 15
Scramble18 portfolios · 11.3% – 15.4%
▲13.9%
Median p.a.
6.7% without bonuses
- 16 Swaper
190 portfolios · 12.3% – 14.0%
▲13.3%
Median p.a.
- 17 Income
234 portfolios · 10.8% – 13.3%
▼12.2%
Median p.a.
11.8% without bonuses
- 18
Stikcredit24 portfolios · 11.4% – 13.0%
12.2%
Median p.a.
- 19 Viainvest
313 portfolios · 11.5% – 12.7%
–12.1%
Median p.a.
11.8% without bonuses
- 20 Twino
141 portfolios · 10.7% – 12.9%
–11.7%
Median p.a.
11.5% without bonuses
- 21 Crowdpear
63 portfolios · 10.2% – 14.7%
▼11.6%
Median p.a.
9.8% without bonuses
- 22 Esketit
236 portfolios · 10.8% – 12.4%
▲11.5%
Median p.a.
11.0% without bonuses
- 23 Modena
30 portfolios · 9.6% – 13.2%
▼11.0%
Median p.a.
10.1% without bonuses
- 24 Mintos
576 portfolios · 9.0% – 12.6%
▼10.9%
Median p.a.
10.2% without bonuses
- 25 Fintown
129 portfolios · 8.6% – 11.6%
▲10.6%
Median p.a.
10.2% without bonuses
- 26 Robocash
208 portfolios · 9.3% – 11.5%
–10.2%
Median p.a.
- 27
Bondster23 portfolios · 8.5% – 13.0%
▼9.8%
Median p.a.
9.5% without bonuses
- 28
Iuvo37 portfolios · 8.1% – 10.9%
–9.7%
Median p.a.
9.3% without bonuses
- 29
Capitalia32 portfolios · 8.7% – 10.1%
▼9.4%
Median p.a.
- 30 Lande
223 portfolios · 8.5% – 10.1%
▲9.3%
Median p.a.
8.9% without bonuses
- 31 Peerberry
292 portfolios · 8.2% – 10.2%
–9.3%
Median p.a.
- 32 Inrento
50 portfolios · 7.7% – 9.9%
▼8.8%
Median p.a.
8.6% without bonuses
- 33 InSoil
45 portfolios · 5.9% – 10.5%
▲8.5%
Median p.a.
7.5% without bonuses
- 34
Crowdestor32 portfolios · 4.7% – 15.1%
8.5%
Median p.a.
7.6% without bonuses
- 35 Monefit
282 portfolios · 7.4% – 9.5%
–8.5%
Median p.a.
7.6% without bonuses
- 36 Go & Grow
408 portfolios · 6.0% – 6.6%
–6.4%
Median p.a.
- 37 Estateguru
149 portfolios · 4.3% – 7.4%
▼5.8%
Median p.a.
5.7% without bonuses
- 38 Indemo
220 portfolios · 3.6% – 10.4%
▼5.7%
Median p.a.
0.7% without bonuses
- 39
CivisLend29 portfolios · 2.0% – 5.9%
–4.5%
Median p.a.
- 40
wecity41 portfolios · 3.0% – 7.4%
▲4.2%
Median p.a.
3.2% without bonuses
- 41
Timeless13 portfolios · -5.7% – -2.3%
-3.3%
Median p.a.
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: 1,761 investors, €96.3M in tracked capital and published figures for 62 platforms, as of August 3, 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.
Where the money went in Q2 2026
The ranking above is about sentiment. This is about what our investors actually did with their money last quarter.
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 34 platforms in this ranking, 19 are regulated in some form: 6 as MiFID II investment firms and 8 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.
No licence
Not supervised by any financial authority. That alone doesn't make a platform a scam, but you rely entirely on its own governance: there is no regulator to escalate to if things go wrong.
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 34 ranked platforms are grouped by their primary asset class, based on what each platform actually finances, and ordered by realised return within each class.
Consumer loans
Best platform for Consumer loans by return: LenderMarket at 18.1% a year.
- 1 LenderMarket 18.1% 55
- 2 Nectaro 16.7% 70
- 3 Loanch 15.7% 66
+12 more in this class
Real estate
Best platform for Real estate by return: Asterra Estate at 24.9% a year.
- 1 Asterra Estate 24.9% 52
- 2 Devon 22.2% 56
- 3 Crowdpear 11.6% 58
+4 more in this class
Business loans (SME)
Best platform for Business loans (SME) by return: Maclear at 23.4% a year.
- 1 Maclear 23.4% 47
- 2 Debitum 15.2% 67
- 3 Triple Dragon Funding – 66
+1 more in this class
Yield accounts
Best platform for Yield accounts by return: Quanloop at 15.5% a year.
Agriculture
Best platform for Agriculture by return: Lande at 9.3% a year.
Invoice financing
Best platform for Invoice financing by return: Bienprêter at 14.1% a year.
- 1 Bienprêter 14.1% 77
Renewable energy
Best platform for Renewable energy by return: Ventus Energy at 26.6% a year.
- 1 Ventus Energy 26.6% 37
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 1,761 investors on P2P Dash, Bienprêter 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 41 platforms with enough tracked portfolios to publish a figure, Ventus Energy has the highest median return at 26.6% 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 20 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 34 platforms in this ranking, 19 are regulated: 6 hold a MiFID II investment-firm licence, 8 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.
