P2P Lending by Country
P2P lending differs market by market, even though the platforms are mostly cross-border. What changes from country to country is the local platform scene, the currency, the regulator's role, and the tax treatment — so each market gets its own page. Every page uses the same ranking of the 21 platforms we've reviewed, scored on the same four dimensions, except that the Latvia page leaves out the platforms that country's own financial supervisor warns against.
European markets we cover
P2P Lending in Hungary
No domestic P2P platforms — investing runs in euros, with a forint conversion step.
P2P Lending in Greece
No domestic platforms in operation yet, and no currency step — Greece is in the eurozone.
P2P Lending in Germany
Domestic platforms do project lending, while marketplace P2P runs cross-border in euros.
P2P Lending in the Czech Republic
An active domestic scene lending in koruna, with the euro cross-border platforms alongside.
P2P Lending in France
Domestic platforms fund companies, property, and renewables, while marketplace P2P runs cross-border.
P2P Lending in Ireland
The home market of Lendermarket, with an SME and property lending scene of its own.
P2P Lending in the Netherlands
An active domestic scene lending to businesses, while the consumer P2P lane has closed to the crowd.
P2P Lending in Latvia
European P2P's home market — the local platforms are the ranking's own members, supervised at home.
P2P Lending in Switzerland
A domestic crowdlending scene in francs, with partial access to the euro cross-border field.
P2P Lending in Spain
A property-led domestic scene licensed by the CNMV, with marketplace P2P running cross-border.
P2P Lending in Italy
An active domestic scene across property, green-energy, and consumer lending, with the euro cross-border platforms alongside.
P2P Lending in Poland
A KNF-licensed domestic scene lends in złoty, while Polish loans fill several of the euro platforms.
P2P Lending in Austria
Domestic platforms crowd-invest in property, companies, and climate projects, while marketplace P2P runs cross-border.
P2P Lending in Belgium
A licensed domestic scene funding companies, property, and renewables, with consumer lending still open to the crowd.
P2P Lending in Portugal
A CMVM-licensed domestic scene funds companies, sustainability projects, and property, while marketplace P2P runs cross-border.
P2P Lending in Finland
Consumer P2P has wound down or moved abroad, and the domestic scene has shifted to business lending.
P2P Lending in Denmark
An active domestic scene lending in kroner, and a krone pegged to the euro.
P2P Lending in Norway
A domestic crowdlending scene in kroner alongside the euro cross-border field.
P2P Lending in Sweden
An active domestic scene lending in kronor, while the consumer P2P marketplaces have left the retail market.
P2P Lending in Croatia
A home market by registration — several ranking platforms are Croatian companies, and HANFA supervises none of them.
P2P Lending in Estonia
The home market of Go & Grow, Income Marketplace, and Monefit, with a licensed property-lending scene alongside.
P2P Lending in Lithuania
Home market of InRento and InSoil, with a licensed consumer P2P scene of its own.
P2P Lending in Romania
A small ASF-authorised domestic scene funds SMEs and property, while marketplace P2P runs cross-border in euros.
P2P Lending in Bulgaria
The home market of Afranga, with a consumer P2P scene of its own — and in the eurozone since January 2026.
P2P Lending in Slovenia
A retail platform and a business-only invoice exchange at home, and no currency step — Slovenia is in the eurozone.
P2P Lending in Slovakia
A small domestic scene lending to consumers, with no currency step — Slovakia is in the eurozone.
P2P Lending in Luxembourg
Home of Triple Dragon Funding, Luxembourg-registered with no CSSF licence — the ranking's picks are all cross-border.
P2P Lending in Malta
Licenses its own crowdfunding platforms, but none is live yet, and no currency step — Malta is in the eurozone.
P2P Lending in Cyprus
No domestic P2P lending — the licensed Cypriot crowdfunding platforms fund companies with shares and bonds instead.
P2P Lending in Iceland
No domestic P2P platforms — EEA access to the euro cross-border field, with a króna conversion step.
P2P Lending in Liechtenstein
No domestic P2P platforms — EEA access to the euro field, with a franc conversion step.