Mintos
Recommended4.0/5
Seven of my loan originators failed and I still came out ahead, which is why it's where I'd point serious money first.
8–12% €50 min MiFID II Buyback
Return 8–12% Min €50 Regulation MiFID II Protection Buyback
P2P Lending in Bulgaria: 21 Best Platforms Ranked (2026)
P2P lending in Bulgaria works through Europe's cross-border platforms. Every platform in this ranking accepts Bulgarian investors. The platforms operate EU-wide, most of them across the whole EEA. We've scored all 21 on the same four dimensions we apply everywhere, with our own money on the top picks. Platforms we rate Not recommended stay in the ranking, with a link that only names the platform.
P2P lending platforms available in Bulgaria
All 21 P2P lending platforms in this ranking accept investors from Bulgaria. The loans span consumer, business, real-estate, and agricultural lending. Minimum investments start at €1 and run to €1,000. Advertised returns range from 6% to 16% per year. 11 of the 21 hold a MiFID II or ECSP licence, and the other 10 operate unregulated. The oldest platform here has taken investor money since 2014, the newest since 2023.
This is the same ranking that anchors our European P2P platform ranking. Availability doesn't change the verdicts. Every verified sign-up bonus is listed in the P2P bonus overview, and every market we cover is in P2P lending by country.
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Go & Grow
Recommended3.8/5
Delivers exactly the 6% it advertises, with zero effort required.
Up to 6% €1 min Unregulated None
Return Up to 6% Min €1 Regulation Unregulated Protection None
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VIAINVEST
Investable3.4/5
Licensed, fee-free notes that pay their coupons. The term filter decides your rate.
9–13% €50 min MiFID II Buyback
Return 9–13% Min €50 Regulation MiFID II Protection Buyback -
InRento
Investable3.3/5
InRento registers each mortgage for its investors, as their representative. No InRento mortgage had been enforced by October 2026, and two Polish loans went into recovery that autumn.
9.25–11.5% €500 min ECSP Mortgage
Return 9.25–11.5% Min €500 Regulation ECSP Protection Mortgage -
LANDE
Investable3.3/5
Farm loans, mostly against land or machinery, where defaults have become years, not losses.
9–12% €50 min ECSP Mortgage
Return 9–12% Min €50 Regulation ECSP Protection Mortgage -
Income Marketplace
Investable3.1/5
Buybacks work while its loan originators can pay, but one 2022 default is still only partly repaid.
7–15% €10 min Unregulated Buyback
Return 7–15% Min €10 Regulation Unregulated Protection Buyback -
Nectaro
Investable3.0/5
Coupons paid to the cent under a Latvian licence, but every note funds Nectaro's own DYNINNO group, whose parent company is the largest borrower.
10–14% €50 min MiFID II Buyback
Return 10–14% Min €50 Regulation MiFID II Protection Buyback -
PeerBerry
Investable3.0/5
Its loan originators repaid their war-hit loans in full, but PeerBerry couldn't keep my portfolio invested.
8.5–10% €10 min Unregulated Buyback
Return 8.5–10% Min €10 Regulation Unregulated Protection Buyback -
TWINO
Investable3.0/5
Licensed in Latvia, but every new security is repaid by one Polish card company.
6–12% €1 min MiFID II None
Return 6–12% Min €1 Regulation MiFID II Protection None
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Robocash
High risk2.8/5
No reported freeze since its 2017 launch, on a group with $4.25M of equity against $82.8M owed to investors at the end of 2024.
8–10.5% €10 min Unregulated Buyback
Return 8–10.5% Min €10 Regulation Unregulated Protection Buyback -
Monefit
High risk2.7/5
Pays exactly its advertised rate, but every claim comes from one lending group, with no regulator or buyback behind it.
7.5–10.52% €10 min Unregulated None
Return 7.5–10.52% Min €10 Regulation Unregulated Protection None -
InSoil
High risk2.6/5
Publishes its default figures, and they show 11.19% of its loans defaulting in an average year.
11–15% €100 min ECSP Mortgage
Return 11–15% Min €100 Regulation ECSP Protection Mortgage -
Letsinvest
High risk2.6/5
First-rank mortgages under a Bank of Lithuania licence, but a €1,000 ticket earns each loan's lowest rate and the only loan marked late sits beside a 0% default counter.
7.5–10.5% €1,000 min ECSP Mortgage
Return 7.5–10.5% Min €1,000 Regulation ECSP Protection Mortgage -
Lendermarket
High risk2.3/5
Creditstar's group guarantee backs its loans' buyback, but most loans on offer sit outside the licence and the top rates demand multi-year lock-ins.
Up to 15% €10 min ECSP Buyback
Return Up to 15% Min €10 Regulation ECSP Protection Buyback -
Esketit
High risk2.0/5
Each loan's assignment agreement is readable, but no auditor checks the platform's own accounts. Its founders own the loan originators behind most of the money on offer.
7–12% €10 min Unregulated Buyback
Return 7–12% Min €10 Regulation Unregulated Protection Buyback
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Debitum
Not recommended1.6/5
Licensed in Latvia, but two-thirds of its book funds one forest fund and its sister fund, and Flow's early exit is a request the issuer may refuse.
9–15% €10 min MiFID II Collateral
Return 9–15% Min €10 Regulation MiFID II Protection Collateral -
Hive5
Not recommended1.5/5
Every loan comes from companies Hive5 places in its own group, and the group's audited accounts carry a going-concern warning.
13–16% €10 min Unregulated Buyback
Return 13–16% Min €10 Regulation Unregulated Protection Buyback -
Estateguru
Not recommended1.3/5
About two-thirds of the money out on loan was late or in recovery in October 2026, and the secondary market Estateguru closed in August had no announced reopening by November.
8–11% €50 min ECSP Mortgage
Return 8–11% Min €50 Regulation ECSP Protection Mortgage -
Lonvest
Not recommended1.3/5
Every loan originator belongs to the group Lonvest calls its own, none shows audited accounts, and no published contract contains the "group guarantee" Lonvest markets.
9–13% €50 min Unregulated None
Return 9–13% Min €50 Regulation Unregulated Protection None -
Maclear
Not recommended1.3/5
Its own terms say investor funds aren't privileged if the platform fails.
12–15% €50 min Unregulated Collateral
Return 12–15% Min €50 Regulation Unregulated Protection Collateral -
Loanch
Not recommended1.0/5
Double-digit rates, almost all of the money with one Fingular loan originator, and deposits unavailable for more than 11 weeks in 2026.
Up to 14.5% €10 min Unregulated Buyback
Return Up to 14.5% Min €10 Regulation Unregulated Protection Buyback
Local platforms in Bulgaria
Bulgaria has an active domestic P2P scene, and it runs on consumer credit. Afranga, a Sofia marketplace launched by the consumer lender StikCredit, lists loans to consumer-lending companies and holds a crowdfunding authorisation from the Financial Supervision Commission. Klear, a Sofia lender registered with the Bulgarian National Bank, has retail investors fund the personal and business loans it makes. Iuvo lists loans from consumer lenders in Bulgaria and abroad, EasyCredit and VivaCredit among them, through a company registered in Estonia. HelpLending, a Sofia platform for consumer loans, still takes sign-ups, with nothing on its homepage dated after 2021.
None of Bulgaria’s platforms has been through our review process yet, and the ranking carries only platforms we have reviewed. Every cross-border platform in it accepts Bulgarian investors, under home-country rules. The three strongest are Mintos, Go & Grow, and VIAINVEST.
Euros, with no conversion step
The platforms in this ranking operate in euros, and Bulgaria is in the eurozone. Funding an account is an ordinary SEPA transfer from a Bulgarian bank, with no currency conversion anywhere in the chain.
Returns arrive in euros too, so what you see in this ranking is what you measure at home. The exchange-rate exposure that non-euro investors carry doesn't apply. Bulgaria adopted the euro on 1 January 2026, retiring the lev at its fixed rate of 1.95583 per euro.
Regulation in Bulgaria
Bulgaria licenses crowdfunding platforms of its own through the Financial Supervision Commission under the EU crowdfunding regime — Afranga, named above, holds exactly that authorisation — and cross-border platforms don’t need a Bulgarian one. A platform licensed under MiFID II or the EU crowdfunding regime answers to its home-country regulator, and that licence passports across the EU. The Financial Supervision Commission, Bulgaria’s non-bank financial supervisor, licenses none of the platforms in this ranking.
11 of the 21 hold a MiFID II or ECSP licence, and crowdfunding licences can be checked in ESMA's register. The other 10 operate unregulated, which our Safety dimension prices in.
P2P investments sit outside the €100,000 bank deposit guarantee, and no scheme anywhere covers loans that default. The 5 MiFID II platforms in this ranking (Mintos, VIAINVEST, Nectaro, TWINO, and Debitum) are members of national investor compensation schemes under EU Directive 97/9/EC, which pay up to €20,000 if the firm itself fails to return your instruments or cash. An ECSP licence brings conduct rules but no compensation scheme, and the unregulated platforms carry neither.
How P2P returns are taxed in Bulgaria
Bulgarian tax residents pay a flat 10% on P2P interest from loan claims and crowdfunding loans, the rate Bulgaria applies to nearly all personal income, declared through the annual tax return filed between 10 January and 30 April. Bulgaria exempts interest on deposits at EU and EEA banks, per PwC’s Bulgaria tax summary, and that exemption doesn’t reach platform interest, which isn’t deposit interest. The platforms in this ranking sit abroad.
13 of the 21 platforms in this ranking withhold nothing at their end. Where tax is withheld abroad, by a platform or by a borrower or loan originator in its own country, Bulgarian law credits that tax for each country and kind of income separately, up to the Bulgarian tax on the same income, unless a double-tax treaty sets other terms. The per-platform withholding row sits in each review’s fee table.
Notes are the open case. Bulgaria also exempts interest on corporate bonds issued under the law of another EU or EEA state, and whether platform notes count as such bonds is one for the National Revenue Agency or a tax adviser.
Frequently asked questions
Can Bulgarian investors use these P2P platforms?
Yes, every platform in this ranking accepts investors from Bulgaria. The platforms operate across the EU, most across the wider EEA, and registration works the same as for any other EU resident.
Can I invest from a Bulgarian bank account?
Yes, every platform in this ranking takes SEPA transfers, and Bulgarian bank accounts are SEPA accounts. Deposits are ordinary euro transfers with no currency conversion anywhere in the chain.
Is P2P lending legal in Bulgaria?
Yes, P2P lending is legal for Bulgarian investors, and the country has domestic platforms of its own. Bulgarian residents invest on the platforms in this ranking like any other EU residents. Bulgaria authorises crowdfunding platforms through the Financial Supervision Commission under the EU crowdfunding regime. Supervision of the licensed cross-border platforms sits with each one's home-country regulator, and the rest are unregulated.
Are these platforms supervised by the Financial Supervision Commission?
No, none of these platforms is supervised by the Financial Supervision Commission. 11 of the 21 hold a MiFID II or ECSP licence and answer to their home-country regulators, and the rest operate unregulated.
How is P2P lending income taxed in Bulgaria?
Bulgarian tax residents pay a flat 10% on interest from P2P loan claims and crowdfunding loans, declared through the annual tax return by 30 April. Bulgarian law exempts interest on bonds issued under the law of Bulgaria or another EU or EEA state, and whether platform notes count as such bonds is one for the National Revenue Agency or a tax adviser. 13 of the 21 platforms in this ranking withhold no tax themselves.
What is the minimum investment from Bulgaria?
€1 at Go & Grow is the lowest minimum investment on this list. 19 of the 21 platforms start at €100 or less, so testing with a small amount is realistic.