P2P Platforms With the Highest Return 2026
46 platforms ordered by the median return their tracked portfolios realised, measured as XIRR on the imported transactions of 1,981 investors.
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The same data, read by one question at a time.
46 P2P platforms by median return 2026
Ventus Energy leads with 26.8% a year. The community median across all platforms is 11.9%.
Median return per platform, bonuses included, with the bonus-free figure beneath it.
- 1
Ventus Energy693 investors · €8.79M tracked · 371 portfolios
▼26.8%
Median return p.a.
19.6% without bonuses
31
Community score
- 2
Asterra Estate288 investors · €1.99M tracked · 111 portfolios
▼23.6%
Median return p.a.
16.3% without bonuses
52
Community score
- 3
Maclear440 investors · €4.18M tracked · 253 portfolios
▲23.4%
Median return p.a.
15.6% without bonuses
42
Community score
- 4
Devon333 investors · €2.27M tracked · 127 portfolios
▼22.1%
Median return p.a.
16.1% without bonuses
56
Community score
- 5
LenderMarket422 investors · €3.01M tracked · 196 portfolios
▼17.7%
Median return p.a.
15.0% without bonuses
56
Community score
- 6
Nectaro534 investors · €4.34M tracked · 186 portfolios
▼16.6%
Median return p.a.
13.2% without bonuses
70
Community score
- 7
Loanch363 investors · €1.99M tracked · 148 portfolios
–15.8%
Median return p.a.
14.1% without bonuses
64
Community score
- 8
Debitum878 investors · €5.8M tracked · 478 portfolios
▲15.2%
Median return p.a.
13.1% without bonuses
68
Community score
- 9
Quanloop116 investors · €941K tracked · 27 portfolios
▲15.1%
Median return p.a.
- 10
Finforta39 investors · €60.7K tracked · 13 portfolios
15.0%
Median return p.a.
14.0% without bonuses
- 11
Afranga476 investors · €3.83M tracked · 184 portfolios
▲14.8%
Median return p.a.
13.8% without bonuses
68
Community score
- 12
Finbee39 investors · €204K tracked · 18 portfolios
–14.6%
Median return p.a.
13.8% without bonuses
- 13
Scramble43 investors · €129K tracked · 24 portfolios
14.6%
Median return p.a.
7.4% without bonuses
- 14
Bienprêter130 investors · €1.89M tracked · 67 portfolios
▲14.5%
Median return p.a.
13.4% without bonuses
- 15
Hive5266 investors · €1.2M tracked · 133 portfolios
▼13.9%
Median return p.a.
59
Community score
- 16
Swaper334 investors · €2.85M tracked · 222 portfolios
▲13.3%
Median return p.a.
50
Community score
- 17
Kviku20 investors · €43.7K tracked · 16 portfolios
12.4%
Median return p.a.
11.2% without bonuses
- 18
Stikcredit26 investors · -€0.1 tracked · 24 portfolios
12.2%
Median return p.a.
- 19
Viainvest540 investors · €3.54M tracked · 353 portfolios
–12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 20
Income368 investors · €1.88M tracked · 262 portfolios
▼12.0%
Median return p.a.
11.8% without bonuses
62
Community score
- 21
Twino290 investors · €1.41M tracked · 156 portfolios
–11.6%
Median return p.a.
11.4% without bonuses
61
Community score
- 22
Crowdpear92 investors · €357K tracked · 69 portfolios
▼11.6%
Median return p.a.
9.8% without bonuses
- 23
Esketit362 investors · €1.84M tracked · 264 portfolios
▲11.5%
Median return p.a.
11.1% without bonuses
40
Community score
- 24
Modena322 investors · €1.24M tracked · 42 portfolios
▼10.7%
Median return p.a.
10.1% without bonuses
66
Community score
- 25
Mintos1,069 investors · €10.1M tracked · 679 portfolios
▼10.5%
Median return p.a.
9.9% without bonuses
58
Community score
- 26
Fintown174 investors · €1.28M tracked · 142 portfolios
▲10.4%
Median return p.a.
10.0% without bonuses
56
Community score
- 27
Robocash272 investors · €1.28M tracked · 231 portfolios
–10.2%
Median return p.a.
10.0% without bonuses
38
Community score
- 28
Bondster41 investors · €97.7K tracked · 26 portfolios
10.1%
Median return p.a.
9.5% without bonuses
- 29
Iuvo66 investors · €553K tracked · 43 portfolios
–9.8%
Median return p.a.
9.6% without bonuses
- 30
Lande411 investors · €1.09M tracked · 249 portfolios
▲9.3%
Median return p.a.
8.8% without bonuses
58
Community score
- 31
Capitalia48 investors · €644K tracked · 33 portfolios
▼9.3%
Median return p.a.
- 32
La Première Brique36 investors · €280K tracked · 26 portfolios
▲9.3%
Median return p.a.
8.6% without bonuses
- 33
Peerberry494 investors · €3.85M tracked · 328 portfolios
–9.2%
Median return p.a.
63
Community score
- 34
Bricks21 investors · €97.1K tracked · 21 portfolios
–8.8%
Median return p.a.
8.0% without bonuses
- 35
Inrento138 investors · €679K tracked · 57 portfolios
–8.8%
Median return p.a.
8.6% without bonuses
- 36
Monefit950 investors · €10.1M tracked · 357 portfolios
–8.6%
Median return p.a.
7.6% without bonuses
72
Community score
- 37
InSoil57 investors · €121K tracked · 48 portfolios
–8.2%
Median return p.a.
7.4% without bonuses
- 38
Crowdestor35 investors · €236K tracked · 34 portfolios
8.1%
Median return p.a.
7.2% without bonuses
- 39
Go & Grow993 investors · €9.75M tracked · 482 portfolios
–6.3%
Median return p.a.
72
Community score
- 40
Brickstarter21 investors · €57.1K tracked · 20 portfolios
6.2%
Median return p.a.
4.6% without bonuses
- 41
Estateguru172 investors · €1.42M tracked · 153 portfolios
▲5.8%
Median return p.a.
5.7% without bonuses
5
Community score
- 42
Indemo518 investors · €2.7M tracked · 252 portfolios
▼5.7%
Median return p.a.
0.7% without bonuses
59
Community score
- 43
Enerfip21 investors · €45.4K tracked · 12 portfolios
5.3%
Median return p.a.
4.6% without bonuses
- 44
wecity83 investors · €454K tracked · 48 portfolios
▲5.1%
Median return p.a.
3.8% without bonuses
- 45
CivisLend61 investors · €504K tracked · 41 portfolios
▲5.1%
Median return p.a.
4.8% without bonuses
- 46
Timeless25 investors · €35.3K tracked · 15 portfolios
-5.2%
Median return 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 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.
Why the band matters
The band behind each median is the middle half of portfolios. A wide band means investors on that platform had very different outcomes; a narrow one means most earned about the same.
Returns are historical and say nothing about future results. A high median with few portfolios behind it is a weaker signal than a lower one with many.
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.
Frequently asked questions
About the return figures on this page.
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. That 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.
Are cashback and loyalty bonuses included?
Yes, in the ranked figure. Loyalty programmes are a recurring part of what a platform pays, not a one-off campaign. The bonus-free median is shown beneath it, so you can see how much of the return comes from lending alone.
Why is a platform missing from this list?
A platform needs at least 10 portfolios with imported transaction data before a median is published. Platforms qualify automatically as more investors track them.
Is a high return a reason to invest?
On its own, no. Higher returns usually come with higher risk, and the median hides the spread: look at the band behind each figure and at how many portfolios sit behind it. Past returns say nothing about future ones.