All P2P platform reviews, A–Z
Every review follows the same four-dimension scoring framework. Reviews marked Deployed are backed by the author's own money on the platform.
1.6/5
Suited only to a small position you can afford to lose, held to maturity by an investor who reads each note's prospectus before buying. Avoid if you'd count on spreading your money to limit the risk, since three of the six companies Debitum listed in October 2026 are the forest fund, its sister fund and a loan originator that Debitum says its own CEO owns.
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2.0/5
Best suited for investors who read each loan's documents before they buy and put in only money they can afford to lose. Avoid if you'd rely on the buyback to protect your capital, since Esketit's own pages list its two founders as the owners of most of the loan originators that fund it, so one failure in that group could reach them all.
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1.3/5
Best suited for investors who lend only on Baltic loans issued since 2023 and can leave the money untouched for years. Avoid if you might need your money before a loan repays, since a defaulted loan can hold it for years and Estateguru's secondary market, closed on 5 August 2026, had no announced reopening by 2 November 2026.
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3.8/5
Best suited for investors who want money earning from the day it arrives without choosing any loans. Avoid if you'd need the money back on a fixed date, since in a rush of withdrawals Go & Grow pays everyone in equal daily parts with no end date.
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1.5/5
Best suited only for money you can afford to lose in full. Avoid if you'd rely on the buyback to protect your capital, since the companies that owed it on Hive5's August 2026 market sit outside the group's audited accounts.
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3.1/5
Best suited for investors who want consumer loans with a buyback and accept that it holds only while each loan originator can pay. Avoid if you'd rely on the buyback to protect your capital, since ClickCash, one of Income Marketplace's loan originators, stopped paying its buybacks in 2022 and its investors were still owed €86,037 in November 2026.
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3.3/5
Best suited for investors who can leave €500 or more in a property loan for 12 to 24 months and will read each project's documents before they invest. Avoid if you need a record that shows what the mortgages return when a borrower stops paying, since no InRento mortgage has been enforced as of October 2026.
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2.6/5
Best suited for investors who choose each loan by its risk grade, country and security, and can leave money in a late loan for years. Avoid if you'd need that money back on schedule, since InSoil has no buyback and half the money its investors had outstanding on 30 October 2026 sat in late loans.
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3.3/5
Best suited for investors who want loans secured by farmland and machinery and can leave money untouched for years. Avoid if you need your money back on a schedule, since no one buys back a LANDE loan that stops paying, and loans funded in 2021 were still in court proceedings in August 2026.
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2.3/5
Best suited for investors who want a small, short-term position in Creditstar Group's consumer loans and can hold each loan until it ends. Avoid if you'd rely on the buyback to protect your capital, since the loan originators behind almost every loan, the company that guarantees their buyback and Lendermarket itself all answer to the same owner.
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2.6/5
Best suited for investors who can leave €1,000 or more in one property loan for 6 to 24 months and want to lend directly to the developer under a first-rank mortgage. Avoid if you'd rely on the mortgage alone to protect your capital, since no recovery through a Letsinvest mortgage is on record and the terms pay the operator's fees first from whatever a sale brings in.
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1.0/5
Loanch suits only money you can afford to lose in full. Avoid if you need to get your money out when you choose, since deposits stopped for more than 11 weeks in 2026 after Loanch's payment provider lost its licence, and investors reported withdrawals failing.
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1.3/5
Best suited for investors who put in only an amount they could lose in full. Avoid if you need to know the companies behind your money can pay, since Lonvest shows audited accounts for none of its loan originators or for the group they belong to.
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1.3/5
Best suited for a small position you can afford to lose in full. Avoid if you'd rely on Maclear itself to keep your money safe, since the company owed more than it owned at the end of 2023 and 2024 and has had no statutory auditor registered since January 2026.
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4.0/5
Best suited for investors who want to spread their money across dozens of loan originators under an investment-firm licence, and who'll use the platform's risk tools deliberately. Avoid if you need your money back on a schedule, since a loan originator that fails can hold your money in recovery, as GetBucks has held mine since 2020.
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2.7/5
Best suited for investors who want a hands-off, higher-yielding position beside safer holdings, sized as money they can leave untouched. Avoid if you'd treat it as a savings account, since every claim you buy comes from one lending group, Creditstar, whose loans delayed investors' payments on Mintos and Lendermarket in 2022–2024.
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3.0/5
Best suited for investors who want a licensed platform and a high fixed rate, and who can leave each note until it matures. Avoid if you couldn't afford to lose the money should the DYNINNO group run short, since the largest borrower, Nectaro's own parent company, had USD 2.77 million of equity at the end of 2024 against about €11 million of investors' money lent to it in October 2026.
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3.0/5
Best suited for investors bringing €10,000 or more who accept an unregulated platform whose loans come mostly from Aventus Group and SIB Group. Avoid if you're investing less than €10,000 and need your money earning from the start, since PeerBerry's auto-invest queue serves loyalty-tier investors' strategies first, and the tiers start at €10,000 invested and 90 days after registration.
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2.8/5
Best suited for investors who treat Robocash as unsecured lending to one group and put in only money they could lose in full. Avoid if you need protection beyond what that group can pay, because the buyback on every loan is owed by one of its own companies.
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3.0/5
Best suited for investors who want short-term fixed-rate securities from a licensed investment firm and keep them a small share of a portfolio spread across other platforms. Avoid if you need protection against the borrower failing, since a Fincard failure would reach every TWINO series at once and no buyback or guarantee stands behind them.
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3.4/5
Best suited for investors who hold regulated notes to maturity and size their position for one lending group's risk. Avoid if you'd rely on the investor protection to cover a loan originator failing, since it covers only VIAINVEST failing, and VIAINVEST's own disclosures place all four of its loan originators in one group, the VIA SMS Group.
Read the full review →This list runs A–Z. The ranking of all 21 platforms is the best P2P lending platforms in Europe.
Want to know how these reviews are made? Read the full methodology — including the four rating dimensions, their weights, and what separates an analytical review from a deployed one.