Best P2P Lending Platforms in Europe 2026: 12 Platforms Compared
P2P lending (peer-to-peer lending) lets you lend money to people and companies through an online platform and earn interest, often 6% to 14% a year. That's far more than a savings account. But the platforms are very different: some are licensed, some aren't; some lend against land, others against nothing at all.
In this guide we compare 12 platforms side by side, as of October 2026: the six we have reviewed in depth, plus six that appear most often in Europe's 2026 "top 10" rankings. Then we tell you which one fits which kind of investor.
In one sentence: P2P lending pays more than a bank because you take the bank's risk, so choose platforms by how well they protect you, not only by how much they pay.
The simple version: what is P2P lending?
Imagine your neighbour needs €1,000 for a tractor. The bank would lend it to him at 15% and pay you 2% on your savings. On a P2P platform, you become the bank: you lend the money directly (together with hundreds of other investors) and get most of the interest yourself.
The catch: if your neighbour can't pay, there's no bank between you and the loss. That's why the questions "what protects my money?" and "how quickly can I get it back?" matter more than the interest rate.
Explain it back: On a P2P platform you are the bank: you earn the interest, but you also carry the risk if borrowers don't repay.
The comparison at a glance
Platform |
Typical return |
What protects you |
Licence |
Access to your money |
Bondora Go & Grow |
Up to 6% (target) |
Nothing specific, unsecured consumer loans |
Lender licensed in Estonia |
Daily, €1 per withdrawal |
LANDE |
About 11% |
Land, machinery and grain (LTV about 44%) |
EU crowdfunding licence (ECSP) |
Secondary market |
Triple Dragon Funding |
About 13.5–14% |
Collateral of at least 120% + buyback |
Not licensed yet |
Loans of 6–24 months, limited early exit |
Debitum |
About 8–15% |
Buyback by the lender |
MiFID investment firm (Latvia) |
No secondary market, except Debitum Flow |
Esketit |
About 7–13% |
Buyback by the lender |
Not licensed |
Secondary market, no guaranteed buyer |
Fintown |
About 8–13% |
Mostly not secured |
Not licensed |
Early exit with fees, withdrawal delays in 2026 |
Mintos |
About 9–10% |
Buyback by each lender |
MiFID investment firm (Latvia) |
Secondary market (0.85% fee) |
PeerBerry |
About 9–11% |
Buyback + group guarantee |
Not licensed |
Secondary market since 2026 |
Afranga |
About 9–12% |
No buyback |
EU crowdfunding licence (ECSP, Bulgaria) |
Secondary market since 2026 |
Income Marketplace |
About 13.5% (gross) |
Buyback + lender keeps a share |
Not licensed |
No secondary market yet |
Viainvest |
About 10–13% |
Buyback by the lender |
MiFID investment firm (Latvia) |
Hold to maturity |
TWINO |
About 9–12% |
Buyback by the lender |
MiFID investment firm (Latvia) |
Small secondary market |
Our picks
- Best for beginners and easy access: Bondora Go & Grow
- Biggest choice of loans: Mintos
- Best buyback track record: PeerBerry
- Best real security: LANDE
- Highest return with daily interest: Triple Dragon Funding
- Best licence and investor protection: Debitum (also Mintos and Viainvest)
- Licensed and Bulgarian: Afranga
- Only for experienced investors: Esketit, Income Marketplace
- Shrinking, so we would wait: TWINO
- Not recommended right now: Fintown
Explain it back: There is no single best platform: pick the one whose risk you understand, and spread your money across two or three.
1. Bondora Go & Grow: best for beginners
Return: up to 6% a year (target, not guaranteed) · Minimum: €1 · Access: daily, €1 per withdrawal
Go & Grow is the simplest product here: you deposit money, it is spread over thousands of consumer loans, and interest is added every day. You can withdraw any time for €1.
Why we like it: a long track record since 2018, a profitable parent company and almost no effort.
Watch out: no deposit guarantee, unsecured loans, and in 2020 withdrawals were slowed for a few months. Think of it as a "savings account plus", not a savings account.
Read our full Bondora Go & Grow review.
2. LANDE: best real security
Return: about 11% a year · Minimum: €50 per loan · Access: secondary market
LANDE lends to farmers in the Baltics and Romania, and every loan is backed by land, machinery or grain, on average worth more than twice the loan. It holds an EU crowdfunding licence.
Why we like it: real collateral and a proper licence.
Watch out: defaults rose in 2026, recovering money from collateral can take years, there's no buyback, and LANDE introduced an inactivity fee in October 2026, so don't leave your account unused.
Read our full LANDE review.
3. Triple Dragon Funding: highest return with daily interest
Return: about 13.5–14% a year · Minimum: €1,000 per loan · Access: loans of 6–24 months
Triple Dragon lends to video game studios against money they are already owed by Apple, Google, Sony or governments (tax credits). Interest is paid or compounded every day, and loans are secured by collateral of at least 120%, with a buyback after 90 days late.
Why we like it: the highest rate in this comparison, daily interest and a lender active since 2016.
Watch out: the platform only launched in January 2026, isn't licensed yet, and the buyback depends on the Triple Dragon group. Early exit is limited.
Read our full Triple Dragon Funding review.
Start investing with Triple Dragon Funding
4. Debitum: best licence and investor protection
Return: about 8–15% a year (Debitum Flow: 8%) · Minimum: €10 · Access: at maturity (3–36 months)
Debitum funds small-business loans and is run by a company licensed as an investment firm under MiFID II by the Bank of Latvia. That means an investor compensation scheme covers 90% of losses up to €20,000, but only if the platform itself fails, not if borrowers don't pay.
Why we like it: the strongest licence in this comparison, no investor fees and falling late payments in 2025.
Watch out: most loans come from Latvian lenders, there's no secondary market (except the new Debitum Flow product, where early payout is possible but not guaranteed), and Latvia withholds 5% tax on interest.
5. Esketit: only for experienced investors
Return: about 7–13% a year · Minimum: €10 · Access: secondary market, no guaranteed buyer
Esketit offers consumer and business loans from several lenders, with a buyback after 60 days late.
Why it can work: decent rates and a low minimum.
Watch out: Esketit isn't licensed, most lenders are owned by the platform's founders (so the buyback depends on the same group), the platform's portfolio has been shrinking in autumn 2026, and the terms were changed so that Esketit's own fees are paid before investors. Keep any amount small.
6. Fintown: not recommended right now
Return: about 8–13% a year · Access: early exit with fees, withdrawals delayed
Fintown finances rental and development real estate in Prague. It paid reliably for years, but in autumn 2026 withdrawals were delayed by up to four weeks, its main shareholder reported negative equity, and the platform was offline for a software migration at the end of October.
Our view: wait for clear, published improvements before adding new money.
Read our full Fintown review.
7. Mintos: the biggest choice
Return: about 9–10% a year · Minimum: €50 per loan (€10 with Auto Invest) · Access: secondary market (0.85% fee)
Mintos is Europe's largest loan marketplace: loans from 60+ lenders worldwide, plus bonds, ETFs and other products. It is a MiFID II investment firm in Latvia, so an investor compensation scheme covers up to €20,000 if Mintos itself fails.
Why we like it: the strongest licence, a huge choice and a long track record since 2015.
Watch out: the buyback depends on each lender, about 29% of loans were in recovery in autumn 2026, and the lender Nera Capital (over €60 million) stopped paying in spring 2026. Mintos also charges small yearly fees since 2025.
8. PeerBerry: best buyback track record
Return: about 9–11% a year · Minimum: €10 · Access: secondary market since January 2026
PeerBerry offers short-term, business and real-estate loans in about 16 countries, with a 60-day buyback plus a group guarantee from its main lender groups. Even the loans hit by the war in Ukraine were fully repaid by the end of 2024.
Why we like it: a strong record of keeping its promises, no fees and no withholding tax.
Watch out: PeerBerry isn't licensed, a large share of loans comes from one lender group (Aventus), and uninvested cash can sit idle.
9. Afranga: licensed and Bulgarian
Return: about 9–12% a year · Minimum: €10 · Access: secondary market since August 2026
Afranga is a Sofia-based platform with an EU crowdfunding licence (ECSP) from Bulgaria's Financial Supervision Commission. It lends mainly to Bulgarian consumers through Stikcredit and partner lenders, and investor money is held by a regulated payment institution.
Why we like it: a proper licence and a simple savings product (SaveSmart).
Watch out: there's no buyback, most loans come from one group, it is still small (about €44 million invested), and 10% tax is withheld on Bulgarian loans.
10. Income Marketplace: high rates, small company
Return: about 13.5% a year (gross average) · Minimum: €10 · Access: no secondary market yet
Income Marketplace offers loans from about a dozen lenders in Europe and Asia, with a buyback and a "skin in the game" rule: lenders keep part of every loan themselves.
Why it can work: some of the highest rates in Europe and no fees.
Watch out: it isn't licensed, the company itself made a loss in 2025 with very little equity, and the promised secondary market hadn't launched by autumn 2026.
11. Viainvest: licensed and steady
Return: about 10–13% a year · Minimum: €10–50 · Access: hold to maturity
Viainvest offers consumer loans from the VIA SMS Group (mainly Latvia and Sweden) and is a MiFID II investment firm with investor compensation up to €20,000 if the platform fails. It was profitable in 2025.
Why we like it: a licence, a buyback and no investor fees.
Watch out: all loans come from one group, there's no secondary market, and 5% tax is withheld for most EU investors.
12. TWINO: shrinking, so we would wait
Return: about 9–12% a year · Minimum: €10 · Access: small secondary market
TWINO is one of the oldest platforms (since 2015) and holds a MiFID II licence in Latvia. Today it offers almost only Polish consumer loans from its own group.
Watch out: the platform has shrunk sharply, investors still have money frozen in Russia, a Vietnamese lender defaulted, and the lender, operator and guarantor all belong to the same owner. We would wait for it to stabilise.
How to choose: 4 simple questions
- What protects my money? Real collateral or a licence beats a promise.
- How fast can I get it back? Daily access, a secondary market, or locked for years?
- Who stands behind the buyback? A buyback is only as strong as the company giving it.
- Is the rate too good to be true? Higher interest always means higher risk.
The simple version: don't carry all your eggs in one basket
If one basket falls, you lose every egg in it. Spread your P2P money over two or three platforms and many small loans, and keep P2P to a small part of your total investments. The base of your portfolio should be things like ETFs.
Explain it back: Choose platforms by protection and access first, rate second, and spread your money over several of them.
Frequently asked questions
Is P2P lending safe?
No investment is completely safe. P2P platforms are not covered by the €100,000 bank deposit guarantee. Licensed platforms with collateral are safer, but you can still lose money.
How much should I put into P2P lending?
Many investors keep it to 5–10% of their portfolio, and only money they won't need soon.
Which platform has the highest return?
In this comparison, Triple Dragon Funding (about 13.5–14% a year) and Income Marketplace (about 13.5% gross), but neither is licensed, and Triple Dragon is one of the newest platforms.
Do I pay tax on P2P interest?
Yes, interest is usually taxable in your country of residence. Some countries also withhold tax at source, such as Latvia (5% on Debitum).
Final verdict
For most beginners, Bondora Go & Grow is the easiest start and LANDE offers the best real security. If you want more return and don't mind a young platform, Triple Dragon Funding pays the most, with interest every day. Debitum, Mintos and Viainvest have the strongest licences, and PeerBerry has the best buyback record. Keep Esketit and Income Marketplace small, and wait with Fintown and TWINO.
Whatever you choose: start small, spread your money, and only invest what you can leave untouched for a while.
Test yourself
Three questions to check what you learned. Click an answer.
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Question 1Debitum is a licensed MiFID investment firm. When does its investor compensation scheme actually help you?
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Question 2Why does the article warn that a buyback guarantee is not automatically strong protection?
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Question 3You may need your P2P money back at short notice. Based on the comparison table, which platform's access fits best?
Please note: Investing involves risk, including the loss of your capital. Past performance does not guarantee future results. Content on Financial Testament is for educational purposes only and is not financial advice. Some links on this site are referral links. If you sign up through them, we may earn a commission or bonus at no extra cost to you. We only recommend platforms we have used or reviewed.
