Not financial advice
Content on this website — including reviews, ratings, comparisons, and editorial analysis — is provided for informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice.
No content on this site should be relied upon as a recommendation to buy, sell, or hold any specific investment, or to use or avoid any specific platform. Investment decisions are personal and depend on factors — risk tolerance, time horizon, tax situation, financial circumstances — that this site cannot evaluate.
Risk of capital loss
P2P lending involves significant financial risk. Specifically:
- Originator defaults — loan originators can fail. Buyback obligations are only as strong as the originator’s balance sheet. When loan originators on Mintos failed in 2019 and 2020, their buybacks were not honored.
- Platform risk — platforms themselves can shut down, freeze withdrawals, or fail to recover invested funds. P2P platforms are not covered by depositor guarantee schemes.
- Liquidity risk — funds invested in active loans cannot always be withdrawn on demand. Secondary markets exist but may have low liquidity under stress.
- Currency risk — investments in non-EUR loans expose investors to exchange rate fluctuations that can reduce or eliminate returns when converted back to home currency.
- Regulatory risk — P2P platforms operate under varying regulatory frameworks across EU member states. Regulatory changes can affect platform operations and investor protections.
These categories describe principal risks but are not exhaustive. Other risks — including fraud, cybersecurity events, tax changes, concentration, and operational issues — may apply to specific platforms and investment strategies.
Past performance is not predictive
Historical returns shown on this website — whether from the author’s own accounts, platform-published statistics, or third-party data — do not guarantee future results. Market conditions, platform operations, and originator quality can change in ways that materially affect returns going forward.
Consult qualified professionals
Before making investment decisions, consult professionals appropriate to your circumstances:
- A licensed financial advisor for personalized portfolio guidance
- A qualified tax advisor for the tax treatment of P2P income in your country
- A lawyer for any legal questions specific to your situation
P2PPlatforms.com is not a substitute for personalized professional advice.
Author positions
The author, Uffe Stjernholm, has his own money on 8 of the 21 platforms the site scores. Each review states whether it rests on his money.
For current editorial methodology and verification practices, see Methodology.
Affiliate compensation
Some links on this site are affiliate links. CPA Digital ApS (the publisher) receives a commission when readers sign up to a platform via these links, at no additional cost to the reader. Depending on the platform, the commission is a fixed amount per new investor, a share of what that investor invests during a set period, or both.
Affiliate relationships are disclosed on every page that contains affiliate links.
See the Imprint for the publisher’s legal disclosure and the About page for how the site earns.
Information accuracy
Reviews and analysis are based on the author’s own accounts (8 with his money, 13 without), platform documents and public registers. While efforts are made to ensure accuracy at the time of publication, platforms change their terms, fees, originators, and regulatory status over time.
CPA Digital ApS does not guarantee the completeness, accuracy, or currency of any specific data point on this website. Always verify current information directly with the platform before depositing funds.
Geographic and regulatory scope
Content is written from a European P2P investor’s perspective. It covers platforms licensed under MiFID II or the EU crowdfunding regulation (ECSPR), and platforms that no financial supervisor licenses. Each review states which applies. Tax treatment, regulatory protections, and platform availability vary by country of residence. Readers outside Europe should treat this site as background context only, not as guidance for their own jurisdiction.
No advisor relationship
Reading this website does not create any advisor-client, fiduciary, or contractual relationship between the reader and CPA Digital ApS, its contributors, or any associated party. Email or other communication with the publisher does not constitute formal advice.