Monefit
Monefit SmartSaver is an Estonian consumer lending investment platform launched in 2022 by Creditstar Group, a fintech company operating since 2006. Based in Tallinn, the platform channels investor funds into consumer loans originated by Creditstar in eight European lending markets. The flexible Main Account offers 7.5% APY with daily interest accrual and flexible withdrawals, while locked Vaults pay up to 10.52% APY. Since launch, Monefit has attracted over EUR 450 million in investments from investors across 31 European countries. The platform is not licensed by any financial regulator and is not covered by deposit guarantee schemes.
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Monefit in real numbers
Anonymized statistics from all Monefit portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
8.5%
Based on 282 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 195 stated strategies
Combined portfolio value
€8,034,918
Investors on P2P Dash
841
Interest earned all-time
€503,203
Median cash drag
0.0%
Share of funds sitting uninvested
Important Notes
- Monefit's export now includes per-vault interest accrual records
- To benefit, clear your current Monefit data, then do a full export from Monefit and reimport it
Compare Monefit head-to-head
Monefit returns over time
Median annual return of Monefit investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
8.7%
101 investors
9.7%
2023
7.7%
2024
8.3%
2025
9.0%
2026
Is money moving into Monefit?
Monthly deposits minus withdrawals across Monefit investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€3,911,482
841 investors tracking
In Q2 2026, Monefit ranks 1 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Monefit investors also track
Share of Monefit investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Monefit
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Mintos 10.9% median return (XIRR) · 969 investors
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Monefit
Answers based on anonymized community data from P2P Dash investors.
What is Monefit?
Monefit is a peer-to-peer lending platform, founded in 2022 (headquarters: Estonia). On P2P Dash, investors import their Monefit account statements to track the real net return they earn there.
What return do investors actually earn with Monefit?
Across 282 Monefit portfolios tracked on P2P Dash, the median net return (XIRR) is 8.5%. The middle 50% of investors earn between 7.4% and 9.5% (as of August 3, 2026).
How many investors track Monefit on P2P Dash?
841 investors track their Monefit portfolios on P2P Dash, with a combined portfolio value of €8,034,918 and €503,203 in interest earned all-time.
How does Monefit rank among P2P platforms?
Monefit ranks 3 of 34 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Monefit?
Of 195 stated strategies for Monefit, 69% plan to add funds or reinvest, 17% intend to hold, and 14% plan to reduce or exit (as of August 3, 2026).
Is Monefit regulated?
Yes, Monefit is a regulated platform supervised by Finantsinspektsioon.
Does Monefit offer a buyback guarantee?
No, Monefit does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Monefit portfolio?
Export your transaction history from Monefit (csv) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Monefit?
Based on the community ranking, the closest alternatives to Monefit in the same asset class are Go & Grow, Quanloop, Mintos. Each platform page shows real median returns and investor numbers from the P2P Dash community.