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 Romania: 21 Best Platforms Ranked (2026)
P2P lending in Romania works through Europe's cross-border platforms. Every platform in this ranking accepts Romanian 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 Romania
All 21 P2P lending platforms in this ranking accept investors from Romania. 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 Romania
Romania has a domestic P2P lending platform in operation. Fagura started in Moldova, still holds a non-bank lending authorisation there, and now funds small and micro Romanian companies. Stock.estate funds property projects with fixed-rate loans, though it lists no open campaign today. SeedBlink funds European tech startups with equity rather than P2P loans, from its Bucharest base. Romanian loans also reach the marketplaces in this ranking — PeerBerry lists two Romanian business lenders, Acredit and SafeCredit, among its loan originators.
None of Romania’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 Romanian 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 leu accounts. Funding an account is a euro bank transfer. Romanian banks send SEPA payments in euros, or a multi-currency account converts your lei first.
Returns arrive in euros too, so a leu-based investor carries RON/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 lei. The domestic lending platforms above operate in euros too, so the conversion step applies there as well.
Regulation in Romania
Romania licenses its domestic platforms through the ASF under the EU crowdfunding regime — Fagura and Stock.estate both hold that authorisation, and cross-border platforms don’t need a Romanian 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 ASF, Romania’s financial supervisory authority, 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 Romania
Romanian tax residents pay a flat 10% on interest income, and a Romanian payer would withhold it at source as a final tax. The platforms in this ranking sit abroad and withhold no Romanian tax themselves, and interest that reaches you without Romanian tax withheld goes in the single tax return (Declarația unică), due by 25 May of the following year, per the Fiscal Code. Loan claims bought from a loan originator pay the same 10%, but the code also has an other-source rule for what an assignee collects on an acquired claim when the income fits no other category, taxed on collections minus what the claim cost, and which base applies to platform claims is one for ANAF or a tax adviser.
The health contribution (CASS) comes on top once investment income and certain other non-salary income, such as rent, together reach six gross minimum salaries in a year (RON 24,300 for 2026). CASS is 10% of a fixed base of six, 12 or 24 minimum salaries, set by the band your income falls in, so the contribution on this income tops out at RON 9,720 for 2026.
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, Romania credits that tax against the 10% up to the Romanian tax on the same income, and the credit doesn’t reduce CASS. The per-platform withholding row sits in each review’s fee table.
Frequently asked questions
Can Romanian investors use these P2P platforms?
Yes, every platform in this ranking accepts investors from Romania. 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 Romanian lei (RON)?
No, the platforms in this ranking operate in euros, with no leu accounts. Leu investors convert on the way in and carry the RON/EUR exchange rate on top of platform risk.
Is P2P lending legal in Romania?
Yes, P2P lending is legal for Romanian investors, and the country has domestic platforms of its own. Romanian residents invest on the platforms in this ranking like any other EU residents. Romania's own platforms are authorised by the ASF 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 ASF?
No, none of these platforms is supervised by the ASF. 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 Romania?
Romanian tax residents pay a flat 10% on P2P interest, and interest received from abroad goes in the single tax return (Declarația unică) by 25 May of the following year. The health contribution (CASS) comes on top once investment income and certain other non-salary income together reach six gross minimum salaries, as a fixed amount of 10% of six, 12 or 24 minimum salaries depending on your income band. 13 of the 21 platforms in this ranking withhold no tax themselves.
What is the minimum investment from Romania?
€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.