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 2,055 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 11.9%.
Median return per platform, bonuses included, with the bonus-free figure beneath it.
- 1
Ventus Energy701 investors · €8.98M tracked · 419 portfolios
▼26.9%
Median return p.a.
19.5% without bonuses
29
Community score
- 2
FF Forest422 investors · €2.34M tracked · 18 portfolios
24.1%
Median return p.a.
19.4% without bonuses
56
Community score
- 3
Maclear460 investors · €4.44M tracked · 279 portfolios
▲23.6%
Median return p.a.
15.6% without bonuses
42
Community score
- 4
8lends50 investors · €196K tracked · 10 portfolios
▲23.4%
Median return p.a.
21.5% without bonuses
- 5
Asterra Estate294 investors · €2.03M tracked · 142 portfolios
▼23.3%
Median return p.a.
16.3% without bonuses
50
Community score
- 6
Devon343 investors · €2.36M tracked · 151 portfolios
▼21.9%
Median return p.a.
16.0% without bonuses
55
Community score
- 7
LenderMarket434 investors · €3.01M tracked · 227 portfolios
▼17.2%
Median return p.a.
14.8% without bonuses
57
Community score
- 8
Nectaro564 investors · €4.44M tracked · 238 portfolios
▼16.3%
Median return p.a.
13.1% without bonuses
71
Community score
- 9
Loanch388 investors · €2.16M tracked · 162 portfolios
▲15.7%
Median return p.a.
14.1% without bonuses
64
Community score
- 10
Debitum929 investors · €6.13M tracked · 526 portfolios
▲15.3%
Median return p.a.
13.2% without bonuses
66
Community score
- 11
Finforta41 investors · €61.2K tracked · 19 portfolios
15.0%
Median return p.a.
13.6% without bonuses
- 12
Afranga493 investors · €4.01M tracked · 196 portfolios
▲14.8%
Median return p.a.
13.8% without bonuses
68
Community score
- 13
Finbee44 investors · €224K tracked · 24 portfolios
▼14.6%
Median return p.a.
13.1% without bonuses
- 14
Quanloop128 investors · €1.12M tracked · 31 portfolios
▲14.6%
Median return p.a.
- 15
Scramble44 investors · €129K tracked · 24 portfolios
▲14.6%
Median return p.a.
7.9% without bonuses
- 16
Bienprêter141 investors · €2.05M tracked · 75 portfolios
▲14.5%
Median return p.a.
13.4% without bonuses
- 17
Hive5278 investors · €1.29M tracked · 138 portfolios
▼14.0%
Median return p.a.
62
Community score
- 18
Swaper345 investors · €3.02M tracked · 238 portfolios
▲13.3%
Median return p.a.
52
Community score
- 19
Kviku20 investors · €43.3K 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
Viainvest558 investors · €3.6M tracked · 369 portfolios
–12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 22
Income382 investors · €1.96M tracked · 273 portfolios
–12.0%
Median return p.a.
11.7% without bonuses
63
Community score
- 23
Twino313 investors · €1.54M tracked · 169 portfolios
–11.7%
Median return p.a.
11.3% without bonuses
62
Community score
- 24
Esketit373 investors · €1.79M tracked · 271 portfolios
▲11.5%
Median return p.a.
11.1% without bonuses
37
Community score
- 25
Crowdpear98 investors · €390K tracked · 73 portfolios
▼11.5%
Median return p.a.
9.8% without bonuses
- 26
Modena347 investors · €1.36M tracked · 61 portfolios
▼11.3%
Median return p.a.
9.5% without bonuses
65
Community score
- 27
Fintown180 investors · €1.29M tracked · 149 portfolios
▲10.4%
Median return p.a.
10.0% without bonuses
54
Community score
- 28
Mintos1,113 investors · €10.3M tracked · 722 portfolios
▼10.4%
Median return p.a.
9.7% without bonuses
56
Community score
- 29
Robocash281 investors · €1.32M tracked · 239 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
Iuvo67 investors · €575K tracked · 45 portfolios
–9.8%
Median return p.a.
9.5% without bonuses
- 32
Lande434 investors · €1.16M tracked · 254 portfolios
▲9.4%
Median return p.a.
8.9% without bonuses
56
Community score
- 33
Capitalia51 investors · €4.79M tracked · 35 portfolios
–9.3%
Median return p.a.
- 34
Peerberry525 investors · €4.12M tracked · 345 portfolios
–9.1%
Median return p.a.
63
Community score
- 35
Inrento152 investors · €754K tracked · 58 portfolios
▼8.9%
Median return p.a.
8.7% without bonuses
77
Community score
- 36
Bricks23 investors · €105K tracked · 22 portfolios
–8.9%
Median return p.a.
7.9% without bonuses
- 37
Monefit1,004 investors · €12M tracked · 401 portfolios
–8.6%
Median return p.a.
7.7% without bonuses
72
Community score
- 38
La Première Brique39 investors · €327K tracked · 28 portfolios
▲8.6%
Median return p.a.
8.2% without bonuses
- 39
Crowdestor35 investors · €237K tracked · 34 portfolios
8.1%
Median return p.a.
7.2% without bonuses
- 40
InSoil59 investors · €127K tracked · 51 portfolios
–7.8%
Median return p.a.
7.4% without bonuses
- 41
Brickstarter21 investors · €50.5K tracked · 20 portfolios
6.2%
Median return p.a.
4.6% without bonuses
- 42
Go & Grow1,035 investors · €10.3M tracked · 560 portfolios
–6.2%
Median return p.a.
72
Community score
- 43
Indemo538 investors · €2.84M tracked · 271 portfolios
▼5.7%
Median return p.a.
0.7% without bonuses
57
Community score
- 44
Estateguru181 investors · €1.48M tracked · 163 portfolios
▼5.6%
Median return p.a.
5.4% without bonuses
6
Community score
- 45
wecity86 investors · €462K tracked · 50 portfolios
▲5.3%
Median return p.a.
3.8% without bonuses
- 46
CivisLend67 investors · €517K tracked · 46 portfolios
▲5.0%
Median return p.a.
- 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.