Swaper
Swaper is an Estonian P2P lending platform specializing in short-term consumer loans and vehicle leasing. Launched in 2016, the platform has been run since 2019 by Swaper Platform OÜ in Tallinn, Estonia, and operates under the Wandoo Finance Group. The platform is not licensed by any EU financial regulator; its subsidiary SW Finance OÜ holds only an anti-money-laundering registration with Estonia's Financial Intelligence Unit. Swaper offers loans from Wandoo Finance Group subsidiaries in Spain, Peru, Latvia, Estonia, and North Macedonia, featuring a buyback guarantee on all investments after 60 days of default.
Swaper in real numbers
Anonymized statistics from all Swaper portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
13.3%
Based on 190 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 97 stated strategies
Combined portfolio value
€2,480,844
Investors on P2P Dash
304
Interest earned all-time
€461,809
Median cash drag
6.9%
Share of funds sitting uninvested
Important Notes
- File size is limited to 1000 records
- You need to split exports into multiple files to export all records
Compare Swaper head-to-head
Swaper returns over time
Median annual return of Swaper investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
13.5%
64 investors
12.2%
2017
12.8%
2018
11.7%
2019
13.6%
2020
13.3%
2021
12.4%
2022
13.3%
2023
13.4%
2024
12.8%
2025
14.7%
2026
Is money moving into Swaper?
Monthly deposits minus withdrawals across Swaper investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€877,868
304 investors tracking
In Q2 2026, Swaper ranks 13 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Swaper investors also track
Share of Swaper investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Swaper
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
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 Swaper
Answers based on anonymized community data from P2P Dash investors.
What is Swaper?
Swaper is a peer-to-peer lending platform, founded in 2019 (headquarters: Estonia). On P2P Dash, investors import their Swaper account statements to track the real net return they earn there.
What return do investors actually earn with Swaper?
Across 190 Swaper portfolios tracked on P2P Dash, the median net return (XIRR) is 13.3%. The middle 50% of investors earn between 12.3% and 14.0% (as of August 3, 2026).
How many investors track Swaper on P2P Dash?
304 investors track their Swaper portfolios on P2P Dash, with a combined portfolio value of €2,480,844 and €461,809 in interest earned all-time.
How does Swaper rank among P2P platforms?
Swaper ranks 27 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 Swaper?
Of 97 stated strategies for Swaper, 38% plan to add funds or reinvest, 25% intend to hold, and 37% plan to reduce or exit (as of August 3, 2026).
Is Swaper regulated?
No, Swaper does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Swaper offer a buyback guarantee?
Yes, Swaper offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Swaper portfolio?
Export your transaction history from Swaper (excel) 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 Swaper?
Based on the community ranking, the closest alternatives to Swaper in the same asset class are Nectaro, Afranga, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.