P2P Platforms With the Highest Return 2026
48 platforms ordered by the median return their tracked portfolios realised, measured as XIRR on the imported transactions of 2,043 investors.
More rankings
The same data, read by one question at a time.
48 P2P platforms by median return 2026
Ventus Energy leads with 26.9% a year. The community median across all platforms is 11.8%.
Median return per platform, bonuses included, with the bonus-free figure beneath it.
- 1
Ventus Energy698 investors · €8.96M tracked · 414 portfolios
▼26.9%
Median return p.a.
19.5% without bonuses
29
Community score
- 2
FF Forest421 investors · €2.35M tracked · 15 portfolios
24.1%
Median return p.a.
19.5% without bonuses
56
Community score
- 3
Maclear455 investors · €4.37M tracked · 272 portfolios
▲23.5%
Median return p.a.
15.6% without bonuses
41
Community score
- 4
8lends50 investors · €194K tracked · 10 portfolios
▲23.4%
Median return p.a.
21.5% without bonuses
- 5
Asterra Estate293 investors · €2.02M tracked · 134 portfolios
▼23.3%
Median return p.a.
16.3% without bonuses
51
Community score
- 6
Devon341 investors · €2.34M tracked · 145 portfolios
▼21.9%
Median return p.a.
16.0% without bonuses
56
Community score
- 7
LenderMarket430 investors · €2.99M tracked · 221 portfolios
▼17.3%
Median return p.a.
14.8% without bonuses
57
Community score
- 8
Nectaro560 investors · €4.41M tracked · 229 portfolios
▼16.4%
Median return p.a.
13.1% without bonuses
70
Community score
- 9
Loanch383 investors · €2.12M tracked · 161 portfolios
▲15.6%
Median return p.a.
14.1% without bonuses
63
Community score
- 10
Debitum918 investors · €6.06M tracked · 520 portfolios
–15.3%
Median return p.a.
13.2% without bonuses
67
Community score
- 11
Finforta41 investors · €61.2K tracked · 19 portfolios
15.0%
Median return p.a.
13.6% without bonuses
- 12
Afranga490 investors · €3.99M tracked · 191 portfolios
▲14.9%
Median return p.a.
13.8% without bonuses
68
Community score
- 13
Scramble44 investors · €129K tracked · 24 portfolios
▲14.8%
Median return p.a.
7.9% without bonuses
- 14
Finbee43 investors · €223K tracked · 24 portfolios
▼14.6%
Median return p.a.
13.1% without bonuses
- 15
Quanloop126 investors · €1.03M tracked · 31 portfolios
▲14.6%
Median return p.a.
- 16
Bienprêter140 investors · €2.02M tracked · 75 portfolios
▲14.6%
Median return p.a.
13.4% without bonuses
- 17
Hive5276 investors · €1.28M tracked · 136 portfolios
–14.0%
Median return p.a.
62
Community score
- 18
Swaper341 investors · €2.95M tracked · 233 portfolios
▲13.3%
Median return p.a.
52
Community score
- 19
Kviku20 investors · €43.2K tracked · 16 portfolios
12.4%
Median return p.a.
11.2% without bonuses
- 20
Stikcredit27 investors · -€0.1 tracked · 25 portfolios
12.2%
Median return p.a.
- 21
Viainvest554 investors · €3.58M tracked · 366 portfolios
–12.0%
Median return p.a.
11.7% without bonuses
60
Community score
- 22
Income379 investors · €1.96M tracked · 273 portfolios
–12.0%
Median return p.a.
11.7% without bonuses
62
Community score
- 23
Twino310 investors · €1.5M tracked · 168 portfolios
–11.7%
Median return p.a.
11.4% without bonuses
62
Community score
- 24
Esketit368 investors · €1.84M tracked · 267 portfolios
▲11.5%
Median return p.a.
11.1% without bonuses
38
Community score
- 25
Crowdpear97 investors · €380K tracked · 72 portfolios
▼11.5%
Median return p.a.
9.8% without bonuses
- 26
Modena344 investors · €1.34M tracked · 58 portfolios
▼11.1%
Median return p.a.
9.8% without bonuses
66
Community score
- 27
Fintown180 investors · €1.31M tracked · 148 portfolios
▲10.4%
Median return p.a.
10.0% without bonuses
53
Community score
- 28
Mintos1,103 investors · €10.1M tracked · 714 portfolios
▼10.4%
Median return p.a.
9.7% without bonuses
57
Community score
- 29
Robocash280 investors · €1.3M tracked · 237 portfolios
–10.2%
Median return p.a.
10.0% without bonuses
40
Community score
- 30
Bondster42 investors · €92.3K tracked · 26 portfolios
▲10.1%
Median return p.a.
9.3% without bonuses
- 31
Iuvo66 investors · €560K tracked · 44 portfolios
–9.9%
Median return p.a.
9.5% without bonuses
- 32
Lande431 investors · €1.14M tracked · 254 portfolios
▲9.3%
Median return p.a.
8.9% without bonuses
56
Community score
- 33
Capitalia49 investors · €3.67M tracked · 33 portfolios
–9.3%
Median return p.a.
- 34
Peerberry518 investors · €4.11M tracked · 341 portfolios
–9.1%
Median return p.a.
64
Community score
- 35
Inrento148 investors · €746K tracked · 58 portfolios
–8.9%
Median return p.a.
8.7% without bonuses
80
Community score
- 36
Bricks22 investors · €98.8K tracked · 21 portfolios
–8.8%
Median return p.a.
7.9% without bonuses
- 37
La Première Brique38 investors · €278K tracked · 27 portfolios
▲8.7%
Median return p.a.
8.5% without bonuses
- 38
Monefit994 investors · €10.8M tracked · 390 portfolios
–8.5%
Median return p.a.
7.7% without bonuses
72
Community score
- 39
Crowdestor35 investors · €237K tracked · 34 portfolios
8.1%
Median return p.a.
7.2% without bonuses
- 40
InSoil59 investors · €127K tracked · 51 portfolios
▲7.9%
Median return p.a.
7.4% without bonuses
- 41
Go & Grow1,031 investors · €10.2M tracked · 535 portfolios
–6.3%
Median return p.a.
72
Community score
- 42
Brickstarter21 investors · €50.5K tracked · 20 portfolios
6.2%
Median return p.a.
4.6% without bonuses
- 43
Estateguru180 investors · €1.43M tracked · 161 portfolios
▼5.6%
Median return p.a.
5.5% without bonuses
6
Community score
- 44
Indemo534 investors · €2.8M tracked · 267 portfolios
▼5.6%
Median return p.a.
0.7% without bonuses
57
Community score
- 45
CivisLend65 investors · €511K tracked · 44 portfolios
▲5.3%
Median return p.a.
5.0% without bonuses
- 46
wecity85 investors · €459K tracked · 49 portfolios
▲5.1%
Median return p.a.
3.7% without bonuses
- 47
Enerfip23 investors · €45.8K tracked · 13 portfolios
5.0%
Median return p.a.
4.6% without bonuses
- 48
Timeless26 investors · €35.7K tracked · 15 portfolios
-4.1%
Median return p.a.
-5.2% without bonuses
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 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.
Why the band matters
The band behind each median is the middle half of portfolios. A wide band means investors on that platform had very different outcomes; a narrow one means most earned about the same.
Returns are historical and say nothing about future results. A high median with few portfolios behind it is a weaker signal than a lower one with many.
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 the return figures on this page.
Which P2P platform has the highest return?
Of the 48 platforms with enough tracked portfolios to publish a figure, Ventus Energy has the highest median return at 26.9% a year. That 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.
Are cashback and loyalty bonuses included?
Yes, in the ranked figure. Loyalty programmes are a recurring part of what a platform pays, not a one-off campaign. The bonus-free median is shown beneath it, so you can see how much of the return comes from lending alone.
Why is a platform missing from this list?
A platform needs at least 10 portfolios with imported transaction data before a median is published. Platforms qualify automatically as more investors track them.
Is a high return a reason to invest?
On its own, no. Higher returns usually come with higher risk, and the median hides the spread: look at the band behind each figure and at how many portfolios sit behind it. Past returns say nothing about future ones.