P2P Lending in Lithuania: 21 Best Platforms Ranked (2026)

Local platforms in Lithuania

Lithuania has an active domestic platform scene, and two of its platforms are in this ranking. InRento, a Vilnius crowdfunding platform for rental property licensed by the Bank of Lithuania, is rated 3.3 of 5, and InSoil, a Vilnius platform financing farm loans under the same licence type, is rated 2.6 of 5. Crowdpear, launched by the team behind PeerBerry, funds business and development loans secured by first-rank mortgages under a Lithuanian crowdfunding licence of its own. Paskolų klubas, the consumer P2P platform of the Nasdaq-listed operator NEO Finance, matches retail lenders with consumer loans. SAVY, lending since 2014, runs consumer, business, and mortgage loans. FinBee lends to consumers and small businesses. Paysera, the Lithuanian payments group, runs P2P lending inside its everyday accounts and takes Lithuanian citizens only as investors.

InRento and InSoil are the two Lithuanian platforms that have been through our review process, and the ranking carries only platforms we have reviewed. Every cross-border platform in it accepts Lithuanian investors as well, 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 Lithuania is in the eurozone. Funding an account is an ordinary SEPA transfer from a Lithuanian 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.

Regulation in Lithuania

Lithuania has licensing frameworks of its own for both halves of P2P lending, and the Bank of Lithuania runs both. Consumer P2P platforms operate under the peer-to-peer lending rules written into Lithuania’s consumer-credit law in 2016, on a public list of operators the Bank of Lithuania keeps, and business and property platforms hold crowdfunding licences under the EU regime. A platform licensed under MiFID II or the EU crowdfunding regime answers to its home-country regulator, and that licence passports across the EU, so cross-border platforms don’t need a Lithuanian one. For InRento and InSoil in this ranking, that home-country regulator is the Bank of Lithuania itself.

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 Lithuania

Lithuanian tax residents pay 15% on P2P interest up to 12 times the average monthly wage across their non-employment income, €27,746 in 2026, and the excess is taxed at the progressive rates of 20%, 25% or 32% that depend on total annual income, per PwC’s Lithuania tax summary. Lithuanian law also exempts the first €500 of interest per calendar year on consumer credits granted via P2P lending platforms or funds lent via crowdfunding platforms in Lithuania or another EEA country, and whether a given platform’s product falls inside that wording is a question for the tax authority or an adviser. What the exemption doesn’t cover is declared in the annual income tax return, due by 1 May of the following year.

InRento withholds 15% on interest at source, per its own tax terms, and InSoil does the same on interest from its Lithuanian loans while paying other countries’ loans out gross, so that interest arrives with 15% already withheld. 13 of the 21 platforms in this ranking withhold nothing at their end, and their interest goes in the annual return. The per-platform withholding row sits in each review’s fee table.

Savings-style products that pay their return as the price at which they buy back the loan claims you hold may be taxed differently, so check that treatment with the State Tax Inspectorate or an adviser.