Regulated P2P Lending Platforms 2026
14 of the 27 ranked platforms hold a licence: 6 as MiFID II investment firms, 4 under the EU crowdfunding regulation (ECSP), the rest under a national regime.
More rankings
The same data, read by one question at a time.
Which P2P platform is the safest?
Nobody can answer that, and this page does not try. A licence says who supervises a platform and which rules it must follow. It says nothing about whether its loans get repaid. What we can show is what the data holds: the licence tier, how long the platform has operated, how many of its investors plan to reduce or exit, and how widely their returns spread. Read the columns side by side and weigh them yourself.
14 licensed P2P platforms by tier and community score 2026
Sorted by licence tier, then by what 1,981 investors plan to do next.
Licence tier first, community score second. Unlicensed platforms are listed last, not left out.
-
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.
- 1
Nectaro534 investors · €4.34M tracked 19% reducing or exiting · since 2023 · 186 portfolios
MiFID II Latvijas Banka
19%
reducing or exiting
16.6%
Median return p.a.
13.2% without bonuses
70
Community score
- 2
Debitum878 investors · €5.8M tracked 18% reducing or exiting · since 2018 · 478 portfolios
MiFID II Latvijas Banka
18%
reducing or exiting
15.2%
Median return p.a.
13.1% without bonuses
68
Community score
- 3
Viainvest540 investors · €3.54M tracked 24% reducing or exiting · since 2016 · 353 portfolios
MiFID II Latvijas Banka
24%
reducing or exiting
12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 4
Twino290 investors · €1.41M tracked 26% reducing or exiting · since 2015 · 156 portfolios
MiFID II MiCA Latvijas Banka
26%
reducing or exiting
11.6%
Median return p.a.
11.4% without bonuses
61
Community score
- 5
Indemo518 investors · €2.7M tracked 23% reducing or exiting · since 2022 · 252 portfolios
MiFID II Latvijas Banka
23%
reducing or exiting
5.7%
Median return p.a.
0.7% without bonuses
59
Community score
- 6
Mintos1,069 investors · €10.1M tracked 31% reducing or exiting · since 2015 · 679 portfolios
MiFID II EMI Latvijas Banka
31%
reducing or exiting
10.5%
Median return p.a.
9.9% without bonuses
58
Community score
-
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.
- 7
Afranga476 investors · €3.83M tracked 15% reducing or exiting · since 2021 · 184 portfolios
ECSP Bulgarian Financial Supervision Commission
15%
reducing or exiting
14.8%
Median return p.a.
13.8% without bonuses
68
Community score
- 8
Lande411 investors · €1.09M tracked 30% reducing or exiting · since 2020 · 249 portfolios
ECSP Latvijas Banka
30%
reducing or exiting
9.3%
Median return p.a.
8.8% without bonuses
58
Community score
- 9
LenderMarket422 investors · €3.01M tracked 31% reducing or exiting · since 2019 · 196 portfolios
ECSP Central Bank of Ireland
31%
reducing or exiting
17.7%
Median return p.a.
15.0% without bonuses
56
Community score
- 10
Estateguru172 investors · €1.42M tracked 94% reducing or exiting · since 2013 · 153 portfolios
ECSP Finantsinspektsioon
94%
reducing or exiting
5.8%
Median return p.a.
5.7% without bonuses
5
Community score
-
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.
- 11
Go & Grow993 investors · €9.75M tracked 13% reducing or exiting · since 2018 · 482 portfolios
national regulation Finantsinspektsioon
13%
reducing or exiting
6.3%
Median return p.a.
72
Community score
- 12
Monefit950 investors · €10.1M tracked 14% reducing or exiting · since 2022 · 357 portfolios
national regulation Finantsinspektsioon
14%
reducing or exiting
8.6%
Median return p.a.
7.6% without bonuses
72
Community score
- 13
Modena322 investors · €1.24M tracked 19% reducing or exiting · since 2019 · 42 portfolios
creditor licence Finantsinspektsioon
19%
reducing or exiting
10.7%
Median return p.a.
10.1% without bonuses
66
Community score
- 14
Maclear440 investors · €4.18M tracked 50% reducing or exiting · since 2023 · 253 portfolios
SRO-Mitgliedschaft (PolyReg, FINMA-anerkannt) PolyReg SRO
50%
reducing or exiting
23.4%
Median return p.a.
15.6% without bonuses
42
Community score
-
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.
- 15
4%
reducing or exiting
–
Median return p.a.
66
Community score
- 16
Loanch363 investors · €1.99M tracked 22% reducing or exiting · since 2022 · 148 portfolios
No licence
22%
reducing or exiting
15.8%
Median return p.a.
14.1% without bonuses
64
Community score
- 17
Peerberry494 investors · €3.85M tracked 25% reducing or exiting · since 2017 · 328 portfolios
No licence
25%
reducing or exiting
9.2%
Median return p.a.
63
Community score
- 18
Income368 investors · €1.88M tracked 26% reducing or exiting · since 2020 · 262 portfolios
No licence
26%
reducing or exiting
12.0%
Median return p.a.
11.8% without bonuses
62
Community score
- 19
Hive5266 investors · €1.2M tracked 26% reducing or exiting · since 2022 · 133 portfolios
No licence
26%
reducing or exiting
13.9%
Median return p.a.
59
Community score
- 20
15%
reducing or exiting
–
Median return p.a.
58
Community score
- 21
Devon333 investors · €2.27M tracked 13% reducing or exiting · since 2025 · 127 portfolios
No licence
13%
reducing or exiting
22.1%
Median return p.a.
16.1% without bonuses
56
Community score
- 22
Fintown174 investors · €1.28M tracked 25% reducing or exiting · since 2022 · 142 portfolios
No licence
25%
reducing or exiting
10.4%
Median return p.a.
10.0% without bonuses
56
Community score
- 23
Asterra Estate288 investors · €1.99M tracked 18% reducing or exiting · since 2025 · 111 portfolios
No licence
18%
reducing or exiting
23.6%
Median return p.a.
16.3% without bonuses
52
Community score
- 24
Swaper334 investors · €2.85M tracked 36% reducing or exiting · since 2016 · 222 portfolios
No licence
36%
reducing or exiting
13.3%
Median return p.a.
50
Community score
- 25
Esketit362 investors · €1.84M tracked 54% reducing or exiting · since 2020 · 264 portfolios
No licence
54%
reducing or exiting
11.5%
Median return p.a.
11.1% without bonuses
40
Community score
- 26
Robocash272 investors · €1.28M tracked 49% reducing or exiting · since 2017 · 231 portfolios
No licence
49%
reducing or exiting
10.2%
Median return p.a.
10.0% without bonuses
38
Community score
- 27
Ventus Energy693 investors · €8.79M tracked 56% reducing or exiting · since 2024 · 371 portfolios
No licence
56%
reducing or exiting
26.8%
Median return p.a.
19.6% without bonuses
31
Community score
How this list works
The order
Licence tier first: MiFID II, then ECSP, then national licences, then none. Inside a tier the community score decides, so investors set the order, not us.
The warning column
The share of votes that say reduce or exit. When a large part of a platform's investors want out, it shows here before it shows anywhere else.
What a licence covers
Supervision, capital requirements and disclosure duties; in the MiFID II tier also an investor compensation scheme. Not covered: loan defaults or the platform's own business risk.
Licences can be granted and surrendered. Each platform page lists its licences and the supervising authority. Verify with that authority before investing.
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 regulation and the columns on this page.
Why is there no safety score on this page?
Because any single number would be our opinion, and this page shows facts instead. The licence tier is verifiable, the community score comes from 1,981 investors, the reduce-or-exit share and the return band come from real portfolios. Read them side by side; a platform with a strong licence and a high exit share tells a different story than one with the same licence and a low one.
What does a MiFID II licence mean for investors?
The platform is an investment firm supervised under EU rules, with capital requirements, disclosure duties and an investor compensation scheme that covers 90% of claims up to €20,000 if the firm itself fails. Loan defaults are not covered by any of it.
Is an unlicensed platform automatically unsafe?
No. It means no financial authority supervises it, so you rely on the platform's own governance and there is no regulator to escalate to. Some unlicensed platforms have long track records. The data columns show how their investors actually behave.
How current is the regulatory status?
We maintain the licence data per platform by hand and review it regularly, but licences change. Each platform page lists the licences and the authority. Verify with that authority before investing.