Regulated P2P Lending Platforms 2026
15 of the 29 ranked platforms hold a licence: 6 as MiFID II investment firms, 5 under the EU crowdfunding regulation (ECSP), the rest under a national regime.
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.
15 licensed P2P platforms by tier and community score 2026
Which licensed platforms do investors want to grow, and where are they pulling back?
Sorted by licence tier, then by what 2,124 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
Nectaro584 investors · €4.58M tracked20% reducing or exiting · since 2023 · 269 portfolios
MiFID IILatvijas Banka
20%
reducing or exiting
16.0%
Median return p.a.
13.0% without bonuses
68
Community score
- 2
Debitum964 investors · €6.57M tracked21% reducing or exiting · since 2018 · 585 portfolios
MiFID IILatvijas Banka
21%
reducing or exiting
15.2%
Median return p.a.
13.2% without bonuses
65
Community score
- 3
Twino334 investors · €1.69M tracked26% reducing or exiting · since 2015 · 180 portfolios
MiFID IIMiCALatvijas Banka
26%
reducing or exiting
11.6%
Median return p.a.
11.3% without bonuses
62
Community score
- 4
Viainvest579 investors · €3.7M tracked25% reducing or exiting · since 2016 · 394 portfolios
MiFID IILatvijas Banka
25%
reducing or exiting
12.0%
Median return p.a.
11.6% without bonuses
59
Community score
- 5
Mintos1,146 investors · €10.5M tracked34% reducing or exiting · since 2015 · 789 portfolios
MiFID IIEMILatvijas Banka
34%
reducing or exiting
10.1%
Median return p.a.
9.4% without bonuses
55
Community score
- 6
Indemo555 investors · €2.95M tracked27% reducing or exiting · since 2022 · 298 portfolios
MiFID IILatvijas Banka
27%
reducing or exiting
5.7%
Median return p.a.
0.7% without bonuses
55
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
Inrento163 investors · €839K tracked7% reducing or exiting · since 2020 · 63 portfolios
ECSPBank of Lithuania
7%
reducing or exiting
8.9%
Median return p.a.
8.7% without bonuses
77
Community score
- 8
Afranga512 investors · €4.13M tracked13% reducing or exiting · since 2021 · 206 portfolios
ECSPBulgarian Financial Supervision Commission
13%
reducing or exiting
14.9%
Median return p.a.
13.8% without bonuses
68
Community score
- 9
Lande459 investors · €1.28M tracked32% reducing or exiting · since 2020 · 265 portfolios
ECSPLatvijas Banka
32%
reducing or exiting
9.4%
Median return p.a.
8.9% without bonuses
58
Community score
- 10
LenderMarket449 investors · €2.98M tracked31% reducing or exiting · since 2019 · 250 portfolios
ECSPCentral Bank of Ireland
31%
reducing or exiting
17.2%
Median return p.a.
14.6% without bonuses
57
Community score
- 11
Estateguru187 investors · €1.48M tracked93% reducing or exiting · since 2013 · 168 portfolios
ECSPFinantsinspektsioon
93%
reducing or exiting
5.4%
Median return p.a.
6
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.
- 12
Go & Grow1,069 investors · €10.5M tracked11% reducing or exiting · since 2018 · 650 portfolios
national regulationFinantsinspektsioon
11%
reducing or exiting
6.1%
Median return p.a.
73
Community score
- 13
Monefit1,040 investors · €12.4M tracked14% reducing or exiting · since 2022 · 448 portfolios
national regulationFinantsinspektsioon
14%
reducing or exiting
8.7%
Median return p.a.
7.6% without bonuses
71
Community score
- 14
Modena366 investors · €1.54M tracked15% reducing or exiting · since 2019 · 81 portfolios
creditor licenceFinantsinspektsioon
15%
reducing or exiting
11.6%
Median return p.a.
9.3% without bonuses
70
Community score
- 15
Maclear475 investors · €4.61M tracked52% reducing or exiting · since 2023 · 294 portfolios
SRO-Mitgliedschaft (PolyReg, FINMA-anerkannt)PolyReg SRO
52%
reducing or exiting
23.9%
Median return p.a.
15.6% without bonuses
41
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.
- 16
12%
reducing or exiting
–
Median return p.a.
70
Community score
- 17
Peerberry554 investors · €4.27M tracked23% reducing or exiting · since 2017 · 362 portfolios
No licence
23%
reducing or exiting
9.1%
Median return p.a.
65
Community score
- 18
23%
reducing or exiting
12.0%
Median return p.a.
11.7% without bonuses
64
Community score
- 19
6%
reducing or exiting
–
Median return p.a.
64
Community score
- 20
19%
reducing or exiting
13.9%
Median return p.a.
64
Community score
- 21
24%
reducing or exiting
15.4%
Median return p.a.
14.1% without bonuses
62
Community score
- 22
11%
reducing or exiting
21.9%
Median return p.a.
15.9% without bonuses
57
Community score
- 23
34%
reducing or exiting
13.3%
Median return p.a.
51
Community score
- 24
Asterra Estate297 investors · €2.06M tracked18% reducing or exiting · since 2025 · 150 portfolios
No licence
18%
reducing or exiting
22.8%
Median return p.a.
16.3% without bonuses
51
Community score
- 25
Fintown186 investors · €1.29M tracked32% reducing or exiting · since 2022 · 154 portfolios
No licence
32%
reducing or exiting
10.4%
Median return p.a.
10.0% without bonuses
51
Community score
- 26
FF Forest426 investors · €2.4M tracked26% reducing or exiting · since 2025 · 63 portfolios
No licence
26%
reducing or exiting
25.0%
Median return p.a.
19.3% without bonuses
49
Community score
- 27
Robocash299 investors · €1.36M tracked44% reducing or exiting · since 2017 · 255 portfolios
No licence
44%
reducing or exiting
10.2%
Median return p.a.
10.0% without bonuses
43
Community score
- 28
Esketit393 investors · €1.76M tracked58% reducing or exiting · since 2020 · 286 portfolios
No licence
58%
reducing or exiting
11.5%
Median return p.a.
11.1% without bonuses
37
Community score
- 29
Ventus Energy704 investors · €9.06M tracked62% reducing or exiting · since 2024 · 458 portfolios
No licence
62%
reducing or exiting
27.1%
Median return p.a.
19.4% without bonuses
27
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 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.
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 2,124 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.