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 Liechtenstein: 21 Best Platforms Ranked (2026)
P2P lending in Liechtenstein works through Europe's cross-border platforms. 18 of the 21 platforms in this ranking accept Liechtenstein 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 Liechtenstein
18 of the 21 P2P lending platforms in this ranking accept investors from Liechtenstein. 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 Liechtenstein
Liechtenstein has no domestic P2P lending platforms as of September 2026. Liechtenstein investors lend through the EU’s cross-border platforms instead, under home-country rules. The three strongest in our ranking are Mintos, Go & Grow, and VIAINVEST.
Liechtenstein’s nearest lending scene sits across the Rhine in Switzerland, and it lends in francs. Cashare, the Swiss crowdlending pioneer, opens registration to residents of Switzerland or Liechtenstein who hold a bank account in either country.
Euros and exchange risk
The platforms in this ranking operate in euros. None offers franc accounts. Funding an account is a euro bank transfer. Liechtenstein banks send SEPA payments in euros, or a multi-currency account converts your francs first.
Returns arrive in euros too, so a franc-based investor carries CHF/EUR exchange exposure on top of platform risk. That cuts both ways over a holding period — the euro returns shown in this ranking aren't what you'll measure in francs. The franc here is the Swiss franc, which Liechtenstein uses under its currency union with Switzerland.
Regulation in Liechtenstein
Liechtenstein has no licensing framework of its own for P2P lending. EEA membership brings the EU’s rulebook instead, so a platform licensed under MiFID II answers to its home-country regulator, and that licence passports across the whole EEA, Liechtenstein included. The EU crowdfunding regime reached Liechtenstein on 1 August 2026, when its incorporation into the EEA Agreement took effect, so an ECSP licence now passports in the same way. The FMA, Liechtenstein’s financial market 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 Liechtenstein
Liechtenstein taxes wealth rather than investment income. A resident’s P2P portfolio counts toward taxable net wealth, declared in the annual tax return. The taxable wealth is multiplied by a standard 4% to give a notional income, which is taxed with other income at combined national and communal rates of 2.5% to 22.4%, per PwC’s Liechtenstein tax summary.
P2P interest itself isn’t taxed on top in Liechtenstein. Income from wealth that already pays the wealth tax is exempt from income tax under Liechtenstein’s tax act, so your tax follows the portfolio’s value, not its result — a high-return year and a loss year on the same balance owe the same tax.
On the platform side, 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, relief depends on a double-tax treaty or on reciprocity between the two countries. The treaty with Latvia, where several of this ranking’s platforms are licensed, applies only to income from January 2027, so what a resident can recover for 2026 is one for Liechtenstein’s tax administration or a tax adviser. The per-platform withholding row sits in each review’s fee table.
Frequently asked questions
Can Liechtenstein investors use these P2P platforms?
18 of the 21 platforms in this ranking state terms that accept investors from Liechtenstein. Robocash and Lendermarket state rules that don't cover Liechtenstein, and InRento publishes no rule that covers Liechtenstein, so eligibility shows at signup.
Can I invest in Swiss francs (CHF)?
No, the platforms in this ranking operate in euros, with no franc accounts. Franc investors convert on the way in and carry the CHF/EUR exchange rate on top of platform risk.
Is P2P lending legal in Liechtenstein?
Yes, P2P lending is legal for Liechtenstein investors. Liechtenstein itself has no P2P-specific framework and no domestic P2P lending platforms as of September 2026. The licensed platforms in this ranking answer to their home-country regulators under EU rules that apply in Liechtenstein through the EEA Agreement, and the rest are unregulated.
Are these platforms supervised by the FMA?
No, none of these platforms is supervised by the FMA, Liechtenstein's Financial Market Authority. 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 Liechtenstein?
P2P lending income in Liechtenstein is covered by the wealth tax rather than taxed as income. The portfolio counts toward taxable net wealth, a notional 4% of that wealth is taxed as income at combined rates of 2.5% to 22.4%, and the actual interest is exempt. 13 of the 21 platforms in this ranking withhold no tax themselves.
What is the minimum investment from Liechtenstein?
€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.