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 Poland: 21 Best Platforms Ranked (2026)
P2P lending in Poland works through Europe's cross-border platforms. Every platform in this ranking accepts Polish 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 Poland
All 21 P2P lending platforms in this ranking accept investors from Poland. 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 Poland
Poland has a licensed domestic lending scene, and it lends in złoty to companies and property projects rather than person to person. Finansowo funds business loans secured by mortgages and other collateral through its investing platform, while its consumer site compares loan offers. Crowd Real Estate funds property-development loans, and Europpa channels retail money into mortgage-backed project lending. Kokos, once a person-to-person lending marketplace, survives as a loan-comparison portal.
Polish loans are already on the euro platforms in this ranking. Every security on TWINO, rated 3.0 of 5, is repaid by the group’s Polish credit-card company, and one of the loan originators behind Hive5, rated 1.5 of 5, is a Polish business lender.
None of the domestic platforms has been through our review process yet, and the ranking carries only platforms we have reviewed. Every cross-border platform in it accepts Polish investors, under home-country rules. The three strongest are Mintos, Go & Grow, and VIAINVEST.
Euros and exchange risk
The platforms in this ranking operate in euros. None offers złoty accounts. Funding an account is a euro bank transfer. Polish banks send SEPA payments in euros, or a multi-currency account converts your złoty first.
Returns arrive in euros too, so a złoty-based investor carries PLN/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 złoty. The licensed platforms above lend in złoty, with no conversion step.
Regulation in Poland
Poland licenses its domestic platforms through the KNF under the EU crowdfunding regime — Finansowo, Crowd Real Estate, and Europpa hold lending-crowdfunding authorisations — and cross-border platforms don’t need a Polish 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 KNF, Poland’s integrated 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 Poland
Polish tax residents pay a flat 19% on P2P interest, calculated on the interest received with no deductions, and the interest stays outside the progressive scale. The rate covers interest on loans you fund directly, interest on notes that count as securities, and interest a purchased loan claim earns after you buy it, under the personal income tax act. The platforms in this ranking sit abroad and withhold no Polish tax, so unless a Polish borrower or loan originator has already withheld it, you calculate the 19% yourself and report it in the flat-tax section of your annual PIT-38 or PIT-36 return. Lending or trading loan claims as a business activity is taxed as business income instead.
13 of the 21 platforms in this ranking withhold nothing at their end either. Where tax is withheld abroad, by a platform or by a borrower or loan originator in its own country, Poland credits that tax against the 19%, capped at the Polish tax itself. The per-platform withholding row sits in each review’s fee table.
A gain on selling a loan claim isn’t covered by Poland’s 19% rate. Poland’s tax information service treated a private individual’s sale of a claim as property-rights income on the progressive 12% and 32% scale, reported in PIT-36, in a February 2026 interpretation. Whether a platform’s notes count as securities, and whether a buyback payment or a claim repaid above its price counts as interest or as a claim sale, are questions for the National Revenue Administration or a tax adviser. A default on a loan or a purchased loan claim doesn’t lower your tax, because the 19% falls on the interest received and a purchased claim’s cost counts only up to what that claim pays back.
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 National Revenue Administration or an adviser.
Frequently asked questions
Can Polish investors use these P2P platforms?
Yes, every platform in this ranking accepts investors from Poland. 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 in Polish złoty (PLN)?
No, the platforms in this ranking operate in euros, with no złoty accounts. Złoty investors convert on the way in and carry the PLN/EUR exchange rate on top of platform risk.
Is P2P lending legal in Poland?
Yes, P2P lending is legal for Polish investors, and the country has domestic platforms of its own. Polish residents invest on the platforms in this ranking like any other EU residents. Poland's own platforms are authorised by the KNF 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 KNF?
No, none of these platforms is supervised by the KNF. 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 Poland?
Polish tax residents pay a flat 19% on P2P interest, calculated on the interest received with no deductions, and declare it in the annual tax return unless a Polish borrower or loan originator has already withheld it. A gain on selling a loan claim is taxed differently, as property-rights income on the progressive scale. 13 of the 21 platforms in this ranking withhold no tax themselves.
What is the minimum investment from Poland?
€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.