Monefit
Monefit SmartSaver is an Estonian investment platform operated by Monefit Investments OÜ in Tallinn, part of Creditstar Group, which has been lending in Europe since 2006. Investors do not fund new loans. They buy claims, assigned by Monefit, on consumer loans that Creditstar companies have already issued in eight European markets: Estonia, Finland, Sweden, Denmark, Poland, Czechia, Spain and the United Kingdom. Money in the Main Account earns 7.5% a year, accrued daily and withdrawable at any time; funds committed to a Vault for a fixed term earn more but cannot be released early. There is no secondary market and no buyback guarantee. Exiting means Monefit repurchasing the claims out of its own liquidity, so being paid out depends on Creditstar continuing to service and repurchase the underlying loans. The company investors contract with, Monefit Investments OÜ, holds no financial licence of its own; the Creditstar companies that issue the loans are licensed creditors in Estonia.
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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)
8.7%
Based on 448 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 281 stated strategies
Combined portfolio value
€12,409,700
Investors on P2P Dash
1,040
Interest earned all-time
€2,348,729
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
8.5%
164 investors
9.7%
2023
8.0%
2024
8.5%
2025
8.9%
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
+€5,075,508
1,040 investors tracking
In Q3 2026, Monefit ranks 1 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Monefit changing?
The strategies Monefit investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
71
as of Nov 12, 2026
Last 7 days
0
- More cautious
- 1
- More confident
- 4
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 72 | 274 | 4 | 4 | 3 | 1 | 39% | 28% | 19% | 7% | 7% |
| Oct 26 to Nov 1, 2026 | 72 | 272 | 4 | 3 | 14 | 1 | 40% | 26% | 19% | 7% | 7% |
| Oct 19 to Oct 25, 2026 | 72 | 259 | 3 | 5 | 9 | 0 | 40% | 26% | 21% | 7% | 7% |
| Oct 12 to Oct 18, 2026 | 71 | 250 | 2 | 1 | 6 | 2 | 40% | 26% | 20% | 7% | 7% |
| Oct 5 to Oct 11, 2026 | 72 | 246 | 0 | 2 | 4 | 0 | 41% | 26% | 20% | 7% | 7% |
| Sep 28 to Oct 4, 2026 | 72 | 242 | 1 | 2 | 8 | 0 | 40% | 27% | 19% | 7% | 7% |
| Sep 21 to Sep 27, 2026 | 72 | 234 | 2 | 4 | 1 | 0 | 41% | 26% | 19% | 8% | 6% |
| Sep 14 to Sep 20, 2026 | 72 | 233 | 2 | 2 | 7 | 0 | 41% | 27% | 18% | 8% | 6% |
| Sep 7 to Sep 13, 2026 | 72 | 226 | 1 | 3 | 5 | 2 | 40% | 27% | 18% | 8% | 6% |
| Aug 31 to Sep 6, 2026 | 73 | 223 | 5 | 2 | 12 | 2 | 42% | 27% | 17% | 8% | 6% |
| Aug 24 to Aug 30, 2026 | 72 | 213 | 2 | 1 | 3 | 0 | 42% | 25% | 19% | 7% | 7% |
| Aug 17 to Aug 23, 2026 | 72 | 210 | 5 | 4 | 6 | 1 | 43% | 24% | 18% | 8% | 7% |
| Aug 10 to Aug 16, 2026 | 72 | 205 | 0 | 2 | 6 | 1 | 43% | 24% | 18% | 8% | 7% |
| Aug 3 to Aug 9, 2026 | 73 | 200 | 4 | 3 | 12 | 0 | 45% | 25% | 17% | 7% | 7% |
| Jul 27 to Aug 2, 2026 | 73 | 188 | 3 | 3 | 4 | 0 | 44% | 24% | 16% | 8% | 7% |
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.
Mintos10.1% median return (XIRR) · 1,146 investors
Full ranking:Consumer loans →Yield accounts →
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.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 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 448 Monefit portfolios tracked on P2P Dash, the median net return (XIRR) is 8.7%. The middle 50% of investors earn between 7.8% and 9.6% (as of November 12, 2026).
How many investors track Monefit on P2P Dash?
1,040 investors track their Monefit portfolios on P2P Dash, with a combined portfolio value of €12,409,700 and €2,348,729 in interest earned all-time.
How does Monefit rank among P2P platforms?
Monefit ranks 3 of 29 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 281 stated strategies for Monefit, 67% plan to add funds or reinvest, 19% intend to hold, and 14% plan to reduce or exit (as of November 12, 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, Twino, Mintos. Each platform page shows real median returns and investor numbers from the P2P Dash community.