Consumer loans: Best P2P Platforms 2026
16 of the 29 ranked platforms finance consumer loans, some of them alongside other asset classes.
16 P2P platforms for consumer loans by return 2026
Which platform earned investors the most in consumer loans?
Ordered by the median return their tracked portfolios realised. Platforms without enough portfolios for a figure keep their community-ranking order behind those that have one.
Median return first, community score next to it. Same eligibility as the main ranking.
- 1
LenderMarket449 investors · €2.98M tracked · 250 portfolios
17.2%
Median return p.a.
14.6% without bonuses
57
Community score
- 2
Nectaro584 investors · €4.58M tracked · 269 portfolios
16.0%
Median return p.a.
13.0% without bonuses
68
Community score
- 3
Loanch411 investors · €2.28M tracked · 191 portfolios
15.4%
Median return p.a.
14.1% without bonuses
62
Community score
- 4
Afranga512 investors · €4.13M tracked · 206 portfolios
14.9%
Median return p.a.
13.8% without bonuses
68
Community score
- 5
Hive5291 investors · €1.37M tracked · 145 portfolios
13.9%
Median return p.a.
64
Community score
- 6
Swaper352 investors · €3.14M tracked · 256 portfolios
13.3%
Median return p.a.
51
Community score
- 7
Income405 investors · €2.12M tracked · 287 portfolios
12.0%
Median return p.a.
11.7% without bonuses
64
Community score
- 8
Viainvest579 investors · €3.7M tracked · 394 portfolios
12.0%
Median return p.a.
11.6% without bonuses
59
Community score
- 9
Twino334 investors · €1.69M tracked · 180 portfolios
11.6%
Median return p.a.
11.3% without bonuses
62
Community score
- 10
Modena366 investors · €1.54M tracked · 81 portfolios
11.6%
Median return p.a.
9.3% without bonuses
70
Community score
- 11
Esketit393 investors · €1.76M tracked · 286 portfolios
11.5%
Median return p.a.
11.1% without bonuses
37
Community score
- 12
Robocash299 investors · €1.36M tracked · 255 portfolios
10.2%
Median return p.a.
10.0% without bonuses
43
Community score
- 13
Mintos1,146 investors · €10.5M tracked · 789 portfolios
10.1%
Median return p.a.
9.4% without bonuses
55
Community score
- 14
Peerberry554 investors · €4.27M tracked · 362 portfolios
9.1%
Median return p.a.
65
Community score
- 15
Monefit1,040 investors · €12.4M tracked · 448 portfolios
8.7%
Median return p.a.
7.6% without bonuses
71
Community score
- 16
Revest184 investors · €1.1M tracked
–
Median return p.a.
70
Community score
More rankings
The same data, read by one question at a time.
How this list works
How the list is ordered and what the figures mean.
The class
A platform is listed under every asset class it finances. Platforms with several classes therefore appear on several of these pages.
The order
Median XIRR of real portfolios, bonuses included, with the bonus-free figure beneath. A figure needs at least 10 portfolios; below that a platform is listed without one.
Same floor as everywhere else
Only platforms from the community ranking appear: at least 20 tracked investors and 50 stated intentions. Nothing is listed here that we have thin data on.
The asset class says what a platform finances, not how risky its loans are. Returns are historical and say nothing about 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.
Frequently asked questions
About this asset class and the figures on this page.
Which P2P platform is best for consumer loans?
By realised return, LenderMarket: its tracked portfolios show a median of 17.2% a year. Whether that makes it the best choice depends on your risk appetite; the community score next to each figure shows what its investors plan to do next.
How many P2P platforms finance consumer loans?
16 of the 29 platforms in the community ranking finance consumer loans. Some of them are active in other asset classes too and are listed there as well.
Why is a platform listed without a return?
A median is published only with at least 10 portfolios behind it. Platforms below that are still listed, in their community-ranking order, but without a figure.
Does the asset class say anything about risk?
Only indirectly. Consumer loans, business loans and property-backed projects differ in default patterns, collateral and liquidity, but within one class platforms vary just as much. The return band and the community score say more about an individual platform than its class does.