P2P Platforms With the Highest Return 2026
49 platforms ordered by the median return their tracked portfolios realised, measured as XIRR on the imported transactions of 2,124 investors.
49 P2P platforms by median return 2026
On which platforms did investors with real portfolios earn the most?
Ventus Energy leads with 27.1% a year. The community median across all platforms is 11.7%.
Median return per platform, bonuses included, with the bonus-free figure beneath it.
- 1
Ventus Energy704 investors · €9.06M tracked · 458 portfolios
▼27.1%
Median return p.a.
19.4% without bonuses
27
Community score
- 2
8lends52 investors · €202K tracked · 14 portfolios
▲25.0%
Median return p.a.
24.1% without bonuses
- 3
FF Forest426 investors · €2.4M tracked · 63 portfolios
25.0%
Median return p.a.
19.3% without bonuses
49
Community score
- 4
Maclear475 investors · €4.61M tracked · 294 portfolios
▲23.9%
Median return p.a.
15.6% without bonuses
41
Community score
- 5
Asterra Estate297 investors · €2.06M tracked · 150 portfolios
▼22.8%
Median return p.a.
16.3% without bonuses
51
Community score
- 6
Devon353 investors · €2.46M tracked · 180 portfolios
▼21.9%
Median return p.a.
15.9% without bonuses
57
Community score
- 7
LenderMarket449 investors · €2.98M tracked · 250 portfolios
▼17.2%
Median return p.a.
14.6% without bonuses
57
Community score
- 8
Nectaro584 investors · €4.58M tracked · 269 portfolios
▼16.0%
Median return p.a.
13.0% without bonuses
68
Community score
- 9
Loanch411 investors · €2.28M tracked · 191 portfolios
–15.4%
Median return p.a.
14.1% without bonuses
62
Community score
- 10
Debitum964 investors · €6.57M tracked · 585 portfolios
–15.2%
Median return p.a.
13.2% without bonuses
65
Community score
- 11
Finforta41 investors · €61.2K tracked · 24 portfolios
15.0%
Median return p.a.
13.5% without bonuses
- 12
Afranga512 investors · €4.13M tracked · 206 portfolios
▲14.9%
Median return p.a.
13.8% without bonuses
68
Community score
- 13
Finbee46 investors · €241K tracked · 26 portfolios
▲14.6%
Median return p.a.
13.4% without bonuses
- 14
Bienprêter146 investors · €2.07M tracked · 83 portfolios
▲14.5%
Median return p.a.
13.4% without bonuses
- 15
Quanloop136 investors · €1.2M tracked · 34 portfolios
▲14.3%
Median return p.a.
- 16
Scramble45 investors · €132K tracked · 26 portfolios
▲14.2%
Median return p.a.
8.3% without bonuses
- 17
Hive5291 investors · €1.37M tracked · 145 portfolios
▼13.9%
Median return p.a.
64
Community score
- 18
Swaper352 investors · €3.14M tracked · 256 portfolios
▲13.3%
Median return p.a.
51
Community score
- 19
Kviku21 investors · €43.3K tracked · 17 portfolios
▼12.3%
Median return p.a.
11.1% without bonuses
- 20
Stikcredit27 investors · -€0.1 tracked · 25 portfolios
12.2%
Median return p.a.
- 21
Income405 investors · €2.12M tracked · 287 portfolios
–12.0%
Median return p.a.
11.7% without bonuses
64
Community score
- 22
Viainvest579 investors · €3.7M tracked · 394 portfolios
–12.0%
Median return p.a.
11.6% without bonuses
59
Community score
- 23
Twino334 investors · €1.69M tracked · 180 portfolios
–11.6%
Median return p.a.
11.3% without bonuses
62
Community score
- 24
Modena366 investors · €1.54M tracked · 81 portfolios
▼11.6%
Median return p.a.
9.3% without bonuses
70
Community score
- 25
Esketit393 investors · €1.76M tracked · 286 portfolios
▲11.5%
Median return p.a.
11.1% without bonuses
37
Community score
- 26
Crowdpear103 investors · €445K tracked · 77 portfolios
▼11.5%
Median return p.a.
9.7% without bonuses
- 27
Fintown186 investors · €1.29M tracked · 154 portfolios
–10.4%
Median return p.a.
10.0% without bonuses
51
Community score
- 28
Robocash299 investors · €1.36M tracked · 255 portfolios
–10.2%
Median return p.a.
10.0% without bonuses
43
Community score
- 29
Mintos1,146 investors · €10.5M tracked · 789 portfolios
▼10.1%
Median return p.a.
9.4% without bonuses
55
Community score
- 30
Bondster44 investors · €83.7K tracked · 27 portfolios
▲10.0%
Median return p.a.
9.2% without bonuses
- 31
Iuvo70 investors · €601K tracked · 48 portfolios
–9.9%
Median return p.a.
9.6% without bonuses
- 32
Lande459 investors · €1.28M tracked · 265 portfolios
▲9.4%
Median return p.a.
8.9% without bonuses
58
Community score
- 33
Capitalia50 investors · €3.68M tracked · 36 portfolios
–9.3%
Median return p.a.
- 34
Profitus20 investors · €42K tracked · 14 portfolios
9.1%
Median return p.a.
7.7% without bonuses
- 35
Peerberry554 investors · €4.27M tracked · 362 portfolios
–9.1%
Median return p.a.
65
Community score
- 36
Inrento163 investors · €839K tracked · 63 portfolios
–8.9%
Median return p.a.
8.7% without bonuses
77
Community score
- 37
Bricks23 investors · €93.4K tracked · 22 portfolios
–8.9%
Median return p.a.
8.0% without bonuses
- 38
Monefit1,040 investors · €12.4M tracked · 448 portfolios
–8.7%
Median return p.a.
7.6% without bonuses
71
Community score
- 39
InSoil61 investors · €122K tracked · 55 portfolios
▲8.5%
Median return p.a.
7.5% without bonuses
- 40
Crowdestor36 investors · €238K tracked · 35 portfolios
8.3%
Median return p.a.
7.4% without bonuses
- 41
La Première Brique38 investors · €322K tracked · 31 portfolios
▲7.9%
Median return p.a.
- 42
Brickstarter21 investors · €50.5K tracked · 20 portfolios
6.2%
Median return p.a.
4.6% without bonuses
- 43
Go & Grow1,069 investors · €10.5M tracked · 650 portfolios
–6.1%
Median return p.a.
73
Community score
- 44
Indemo555 investors · €2.95M tracked · 298 portfolios
▼5.7%
Median return p.a.
0.7% without bonuses
55
Community score
- 45
Estateguru187 investors · €1.48M tracked · 168 portfolios
▼5.4%
Median return p.a.
6
Community score
- 46
wecity86 investors · €451K tracked · 53 portfolios
▲5.2%
Median return p.a.
4.0% without bonuses
- 47
Enerfip25 investors · €46.3K tracked · 14 portfolios
▲5.0%
Median return p.a.
4.1% without bonuses
- 48
CivisLend69 investors · €532K tracked · 49 portfolios
4.9%
Median return p.a.
- 49
Timeless28 investors · €37.3K tracked · 19 portfolios
-5.5%
Median return p.a.
-5.7% without bonuses
More rankings
The same data, read by one question at a time.
How this ranking works
How the list is ordered and what the figures mean.
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.
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 49 platforms with enough tracked portfolios to publish a figure, Ventus Energy has the highest median return at 27.1% 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.