The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,779 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Best P2P Platforms by Community Trust 2026
Every investor on P2P Dash states, per platform, what they plan to do next: add funds, reinvest, hold, reduce or exit. This ranking orders the 27 qualified platforms by that signal. Monefit leads with a community score of 74 out of 100.
27 platforms qualified with at least 50 investor votes each.
Data as of August 6, 2026
- 1
Monefit200 votes · 850 investors · €8.27M tracked
8.5%
Median return p.a.
7.6% without bonuses
74
Community score
- 2
Go & Grow235 votes · 899 investors · €8.91M tracked
6.4%
Median return p.a.
71
Community score
- 3
Afranga134 votes · 424 investors · €3.53M tracked
14.5%
Median return p.a.
13.8% without bonuses
69
Community score
- 4
Nectaro132 votes · 472 investors · €3.94M tracked
16.7%
Median return p.a.
13.2% without bonuses
69
Community score
- 5
Debitum219 votes · 801 investors · €5.33M tracked
15.2%
Median return p.a.
13.1% without bonuses
68
Community score
- 6
Modena78 votes · 281 investors · €1.01M tracked
11.0%
Median return p.a.
10.1% without bonuses
68
Community score
- 7
Triple Dragon Funding83 votes · 255 investors · €1.55M tracked
–
Median return p.a.
66
Community score
- 8
Viainvest150 votes · 506 investors · €3.41M tracked
12.1%
Median return p.a.
11.8% without bonuses
64
Community score
- 9
Loanch95 votes · 307 investors · €1.67M tracked
15.6%
Median return p.a.
14.4% without bonuses
64
Community score
- 10
Income102 votes · 329 investors · €1.72M tracked
12.2%
Median return p.a.
11.8% without bonuses
62
Community score
- 11
Twino72 votes · 246 investors · €1.25M tracked
11.7%
Median return p.a.
11.5% without bonuses
61
Community score
- 12
Lande117 votes · 379 investors · €1.04M tracked
9.3%
Median return p.a.
8.9% without bonuses
60
Community score
- 13
Mintos243 votes · 974 investors · €9.76M tracked
10.9%
Median return p.a.
10.2% without bonuses
59
Community score
- 14
Peerberry126 votes · 437 investors · €3.36M tracked
9.3%
Median return p.a.
58
Community score
- 15
Fintown50 votes · 166 investors · €1.25M tracked
10.5%
Median return p.a.
10.2% without bonuses
58
Community score
- 16
FF Forest102 votes · 388 investors · €2.03M tracked
–
Median return p.a.
57
Community score
- 17
LenderMarket111 votes · 382 investors · €2.87M tracked
18.0%
Median return p.a.
15.6% without bonuses
56
Community score
- 18
Devon87 votes · 316 investors · €2.21M tracked
22.2%
Median return p.a.
16.0% without bonuses
55
Community score
- 19
Indemo138 votes · 465 investors · €2.39M tracked
5.8%
Median return p.a.
0.7% without bonuses
54
Community score
- 20
Hive556 votes · 230 investors · €1.09M tracked
14.1%
Median return p.a.
53
Community score
- 21
Asterra Estate84 votes · 278 investors · €1.96M tracked
24.8%
Median return p.a.
16.3% without bonuses
51
Community score
- 22
Swaper99 votes · 305 investors · €2.53M tracked
13.3%
Median return p.a.
47
Community score
- 23
Maclear89 votes · 373 investors · €3.64M tracked
23.2%
Median return p.a.
15.6% without bonuses
47
Community score
- 24
Esketit98 votes · 323 investors · €1.74M tracked
11.5%
Median return p.a.
11.0% without bonuses
43
Community score
- 25
Robocash86 votes · 249 investors · €1.2M tracked
10.2%
Median return p.a.
37
Community score
- 26
Ventus Energy194 votes · 675 investors · €8.26M tracked
26.7%
Median return p.a.
19.7% without bonuses
36
Community score
- 27
Estateguru66 votes · 164 investors · €1.45M tracked
5.8%
Median return p.a.
5
Community score
How this ranking works
The score
Each investor's stated plan is weighted: add funds +2, reinvest +1, hold 0, reduce −1, exit −2. The average is scaled to 0–100, where 50 is neutral.
Who qualifies
A platform needs at least 20 investors with tracked data and at least 50 stated intentions. Below that, a single vote would swing the score too much.
Best P2P Platforms by Return 2026
What investors intend to do is one thing. What they earned is another. This second ranking orders 41 platforms by the median return their tracked portfolios actually realised, measured as XIRR on imported transactions. Ventus Energy leads with 26.7% a year.
- 1 Ventus Energy
284 portfolios · 25.1% – 30.3%
▼26.7%
Median p.a.
19.7% without bonuses
- 2 Asterra Estate
90 portfolios · 23.1% – 28.7%
▼24.8%
Median p.a.
16.3% without bonuses
- 3 Maclear
196 portfolios · 17.1% – 27.5%
▲23.2%
Median p.a.
15.6% without bonuses
- 4 Devon
92 portfolios · 20.8% – 24.4%
▼22.2%
Median p.a.
16.0% without bonuses
- 5 LenderMarket
151 portfolios · 15.4% – 20.9%
▼18.0%
Median p.a.
15.6% without bonuses
- 6
La Première Brique21 portfolios · 5.5% – 23.7%
▼17.6%
Median p.a.
- 7 Nectaro
150 portfolios · 14.7% – 20.2%
▼16.7%
Median p.a.
13.2% without bonuses
- 8 Loanch
86 portfolios · 14.2% – 17.9%
–15.6%
Median p.a.
14.4% without bonuses
- 9
Quanloop20 portfolios · 13.6% – 16.8%
▲15.5%
Median p.a.
- 10 Debitum
393 portfolios · 13.7% – 17.3%
–15.2%
Median p.a.
13.1% without bonuses
- 11
Finbee14 portfolios · 12.2% – 15.7%
14.5%
Median p.a.
13.9% without bonuses
- 12 Afranga
121 portfolios · 13.6% – 15.4%
▲14.5%
Median p.a.
13.8% without bonuses
- 13
Bienprêter56 portfolios · 13.4% – 16.0%
▲14.1%
Median p.a.
13.2% without bonuses
- 14 Hive5
103 portfolios · 12.7% – 14.6%
–14.1%
Median p.a.
- 15
Scramble18 portfolios · 11.3% – 15.9%
▲13.9%
Median p.a.
6.7% without bonuses
- 16 Swaper
191 portfolios · 12.4% – 14.0%
▲13.3%
Median p.a.
- 17
Stikcredit24 portfolios · 11.4% – 13.0%
12.2%
Median p.a.
- 18 Income
236 portfolios · 10.7% – 13.3%
▼12.2%
Median p.a.
11.8% without bonuses
- 19 Viainvest
314 portfolios · 11.5% – 12.7%
–12.1%
Median p.a.
11.8% without bonuses
- 20 Twino
144 portfolios · 10.7% – 12.9%
–11.7%
Median p.a.
11.5% without bonuses
- 21
Crowdpear64 portfolios · 10.0% – 14.6%
▼11.6%
Median p.a.
9.8% without bonuses
- 22 Esketit
241 portfolios · 10.8% – 12.4%
▲11.5%
Median p.a.
11.0% without bonuses
- 23 Modena
30 portfolios · 9.6% – 13.2%
▼11.0%
Median p.a.
10.1% without bonuses
- 24 Mintos
587 portfolios · 9.0% – 12.6%
▼10.9%
Median p.a.
10.2% without bonuses
- 25 Fintown
130 portfolios · 8.5% – 11.6%
▲10.5%
Median p.a.
10.2% without bonuses
- 26 Robocash
209 portfolios · 9.3% – 11.5%
–10.2%
Median p.a.
- 27
Bondster23 portfolios · 8.5% – 13.0%
▼9.8%
Median p.a.
9.5% without bonuses
- 28
Iuvo37 portfolios · 8.1% – 10.9%
–9.7%
Median p.a.
9.3% without bonuses
- 29
Capitalia32 portfolios · 8.7% – 10.1%
▼9.4%
Median p.a.
- 30 Lande
227 portfolios · 8.5% – 10.1%
▲9.3%
Median p.a.
8.9% without bonuses
- 31 Peerberry
296 portfolios · 8.2% – 10.2%
–9.3%
Median p.a.
- 32
Inrento51 portfolios · 7.7% – 9.8%
▼8.8%
Median p.a.
8.6% without bonuses
- 33
Crowdestor32 portfolios · 4.7% – 15.1%
8.5%
Median p.a.
7.6% without bonuses
- 34 Monefit
285 portfolios · 7.3% – 9.5%
–8.5%
Median p.a.
7.6% without bonuses
- 35
InSoil46 portfolios · 6.0% – 10.4%
▲8.4%
Median p.a.
7.4% without bonuses
- 36 Go & Grow
413 portfolios · 6.0% – 6.6%
–6.4%
Median p.a.
- 37 Estateguru
150 portfolios · 4.3% – 7.4%
▼5.8%
Median p.a.
- 38 Indemo
223 portfolios · 3.6% – 10.7%
▼5.8%
Median p.a.
0.7% without bonuses
- 39
CivisLend31 portfolios · 2.0% – 5.8%
▲4.5%
Median p.a.
- 40
wecity42 portfolios · 3.1% – 7.2%
▲4.3%
Median p.a.
3.2% without bonuses
- 41
Timeless13 portfolios · -5.7% – -2.3%
-3.3%
Median p.a.
How this ranking works
The figure
Returns are XIRR per portfolio, aggregated as the median of what those portfolios realised, cashback and loyalty bonuses included. The bonus-free figure is shown next to it, so you can see how much of the return comes from lending alone.
Who qualifies
A platform needs at least 10 portfolios with imported transaction data. Below that, a single portfolio would move the median too much.
Returns are historical and say nothing about future results.
Where the data comes from
Every ranking on this page reads the same nightly data set: the real portfolios that investors on P2P Dash import and track. Each ranking applies its own rules to that data; they are explained beneath each list.
Basis for this page: 1,779 investors, €97.9M in tracked capital and published figures for 62 platforms, as of August 6, 2026. The numbers come from imported transaction data, not from surveys.
See the statistics for all platforms →Always current
The underlying statistics are recalculated every night from anonymized portfolio data of all P2P Dash users.
Independent
The order is determined by data alone. No platform can pay to move up, and none can prevent a bad score.
Popular comparisons
The rankings on this page are aggregated from the portfolio data and stated intentions of P2P Dash users. They are not investment advice and not a recommendation to buy or sell. Past performance is not a reliable indicator of future results.
Where the money went in Q2 2026
The ranking above is about sentiment. This is about what our investors actually did with their money last quarter.
Regulated P2P Lending Platforms in Europe
Regulation doesn't guarantee returns, but it determines which rules a platform must follow and who supervises it. Of the 27 platforms in this ranking, 14 are regulated in some form: 6 as MiFID II investment firms and 4 under the EU crowdfunding regulation (ECSP), the rest under national regimes.
MiFID II investment firms
Licensed as investment firms under the EU's MiFID II framework: the strictest tier, with extensive disclosure duties and an investor-compensation scheme covering 90% of claims up to €20,000 per investor. Note it protects against the firm's own failure, not against loan defaults.
ECSP crowdfunding licence
Authorised under the European Crowdfunding Service Provider regulation, which harmonises rules across the EU: vetted management, capital requirements, key investment information sheets and supervision by a national authority.
National licences
Regulated under a national regime, for example a local lending or brokerage licence, rather than an EU-wide framework. Protection levels vary by country; the details are on each platform page.
No licence
Not supervised by any financial authority. That alone doesn't make a platform a scam, but you rely entirely on its own governance: there is no regulator to escalate to if things go wrong.
Regulatory status is maintained per platform and shown on each platform page together with the specific licences and the supervising authority. Licences can be granted and surrendered. Verify directly with the supervisory authority before investing. We do our best to keep this information current but cannot guarantee it; if you spot an error, please contact us so we can correct it.
P2P Platforms by Asset Class
Not all P2P lending is the same asset class: consumer loans, business loans, property-backed projects and pooled yield accounts differ in risk, liquidity and returns. Here the 27 ranked platforms are grouped by their primary asset class, based on what each platform actually finances, and ordered by realised return within each class.
Consumer loans
Best platform for Consumer loans by return: LenderMarket at 18.0% a year.
- 1 LenderMarket 18.0% 56
- 2 Nectaro 16.7% 69
- 3 Loanch 15.6% 64
+11 more in this class
Real estate
Best platform for Real estate by return: Asterra Estate at 24.8% a year.
- 1 Asterra Estate 24.8% 51
- 2 Devon 22.2% 55
- 3 Fintown 10.5% 58
+2 more in this class
Business loans (SME)
Best platform for Business loans (SME) by return: Maclear at 23.2% a year.
- 1 Maclear 23.2% 47
- 2 Debitum 15.2% 68
- 3 Triple Dragon Funding – 66
Yield accounts
Best platform for Yield accounts by return: Monefit at 8.5% a year.
Agriculture
Best platform for Agriculture by return: Lande at 9.3% a year.
- 1 Lande 9.3% 60
Renewable energy
Best platform for Renewable energy by return: Ventus Energy at 26.7% a year.
- 1 Ventus Energy 26.7% 36
Frequently asked questions
Everything you need to know about the rankings on this page.
Which P2P lending platform is the best in 2026?
Based on the sentiment of 1,779 investors on P2P Dash, Monefit currently leads the ranking with a community score of 74 out of 100. The order shifts as investors adjust their strategies; the ranking is recalculated daily.
How is the community score calculated?
Every investor states an intent per platform: add funds (+2), reinvest (+1), hold (0), reduce (−1), exit (−2). The weighted average is scaled to 0–100, where 50 is neutral. A score above 50 means investors on balance plan to increase their exposure.
Which P2P platform has the highest return?
Of the 41 platforms with enough tracked portfolios to publish a figure, Ventus Energy has the highest median return at 26.7% a year. The figure is the median XIRR of real portfolios including cashback and loyalty bonuses, so it is what those investors actually kept. The bonus-free figure is shown next to it.
Why is a platform missing from a ranking?
Each ranking has its own threshold. The community ranking requires at least 20 investors with tracked data and 50 stated intentions per platform; the return ranking requires at least 10 portfolios with imported transactions. That is why a platform can appear in one list but not in another. Platforms qualify automatically as more investors track them.
How current is the data?
The statistics are recalculated every night from anonymized portfolio data of all P2P Dash users, and this page is rebuilt daily. The date above the list is the cutoff day of the latest run.
Which P2P platforms are regulated in Europe?
Of the 27 platforms in this ranking, 14 are regulated: 6 hold a MiFID II investment-firm licence, 4 an EU crowdfunding (ECSP) licence, and the rest operate under national regimes. The specific licences and the supervising authority are listed on each platform's detail page.
Are these rankings investment advice?
No. They are aggregated from the portfolio data and stated intentions of P2P Dash users and are provided for information only. Always do your own research before investing; past performance is not a reliable indicator of future results.
Sentiment is just one of six factors
In the P2P Dash app, the Discover ranking also weighs actual returns, money-flow momentum, user growth and capital efficiency. You can also compare your own portfolio against the community.
