Consumer loans: Best P2P Platforms 2026
15 of the 28 ranked platforms finance consumer loans as their primary asset class.
More rankings
The same data, read by one question at a time.
15 P2P platforms for consumer loans by return 2026
Ordered by the median return their tracked portfolios realised. Platforms without enough portfolios for a figure keep their community-ranking order behind those that have one.
Median return first, community score next to it. Same eligibility as the main ranking.
- 1
LenderMarket434 investors · €3.01M tracked · 227 portfolios
17.2%
Median return p.a.
14.8% without bonuses
57
Community score
- 2
Nectaro564 investors · €4.44M tracked · 238 portfolios
16.3%
Median return p.a.
13.1% without bonuses
71
Community score
- 3
Loanch388 investors · €2.16M tracked · 162 portfolios
15.7%
Median return p.a.
14.1% without bonuses
64
Community score
- 4
Afranga493 investors · €4.01M tracked · 196 portfolios
14.8%
Median return p.a.
13.8% without bonuses
68
Community score
- 5
Hive5278 investors · €1.29M tracked · 138 portfolios
14.0%
Median return p.a.
62
Community score
- 6
Swaper345 investors · €3.02M tracked · 238 portfolios
13.3%
Median return p.a.
52
Community score
- 7
Viainvest558 investors · €3.6M tracked · 369 portfolios
12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 8
Income382 investors · €1.96M tracked · 273 portfolios
12.0%
Median return p.a.
11.7% without bonuses
63
Community score
- 9
Twino313 investors · €1.54M tracked · 169 portfolios
11.7%
Median return p.a.
11.3% without bonuses
62
Community score
- 10
Esketit373 investors · €1.79M tracked · 271 portfolios
11.5%
Median return p.a.
11.1% without bonuses
37
Community score
- 11
Modena347 investors · €1.36M tracked · 61 portfolios
11.3%
Median return p.a.
9.5% without bonuses
65
Community score
- 12
Mintos1,113 investors · €10.3M tracked · 722 portfolios
10.4%
Median return p.a.
9.7% without bonuses
56
Community score
- 13
Robocash281 investors · €1.32M tracked · 239 portfolios
10.2%
Median return p.a.
10.0% without bonuses
40
Community score
- 14
Peerberry525 investors · €4.12M tracked · 345 portfolios
9.1%
Median return p.a.
63
Community score
- 15
Monefit1,004 investors · €12M tracked · 401 portfolios
8.6%
Median return p.a.
7.7% without bonuses
72
Community score
How this list works
The class
Each platform is grouped by what it mainly finances. Platforms active in several asset classes appear under their primary one only.
The order
Median XIRR of real portfolios, bonuses included, with the bonus-free figure beneath. A figure needs at least 10 portfolios; below that a platform is listed without one.
Same floor as everywhere else
Only platforms from the community ranking appear: at least 20 tracked investors and 50 stated intentions. Nothing is listed here that we have thin data on.
The asset class says what a platform finances, not how risky its loans are. Returns are historical and say nothing about future results.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
Frequently asked questions
About this asset class and the figures on this page.
Which P2P platform is best for consumer loans?
By realised return, LenderMarket: its tracked portfolios show a median of 17.2% a year. Whether that makes it the best choice depends on your risk appetite; the community score next to each figure shows what its investors plan to do next.
How many P2P platforms finance consumer loans?
15 of the 28 platforms in the community ranking have consumer loans as their primary asset class. Platforms that finance it as a secondary class are listed under their primary class instead.
Why is a platform listed without a return?
A median is published only with at least 10 portfolios behind it. Platforms below that are still listed, in their community-ranking order, but without a figure.
Does the asset class say anything about risk?
Only indirectly. Consumer loans, business loans and property-backed projects differ in default patterns, collateral and liquidity, but within one class platforms vary just as much. The return band and the community score say more about an individual platform than its class does.