Regulated P2P Lending Platforms 2026
15 of the 28 ranked platforms hold a licence: 6 as MiFID II investment firms, 5 under the EU crowdfunding regulation (ECSP), the rest under a national regime.
More rankings
The same data, read by one question at a time.
Which P2P platform is the safest?
Nobody can answer that, and this page does not try. A licence says who supervises a platform and which rules it must follow. It says nothing about whether its loans get repaid. What we can show is what the data holds: the licence tier, how long the platform has operated, how many of its investors plan to reduce or exit, and how widely their returns spread. Read the columns side by side and weigh them yourself.
15 licensed P2P platforms by tier and community score 2026
Sorted by licence tier, then by what 2,016 investors plan to do next.
Licence tier first, community score second. Unlicensed platforms are listed last, not left out.
-
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.
- 1
Nectaro550 investors · €4.38M tracked 19% reducing or exiting · since 2023 · 210 portfolios
MiFID II Latvijas Banka
19%
reducing or exiting
16.4%
Median return p.a.
13.2% without bonuses
69
Community score
- 2
Debitum900 investors · €5.96M tracked 20% reducing or exiting · since 2018 · 505 portfolios
MiFID II Latvijas Banka
20%
reducing or exiting
15.3%
Median return p.a.
13.2% without bonuses
66
Community score
- 3
Twino302 investors · €1.48M tracked 24% reducing or exiting · since 2015 · 160 portfolios
MiFID II MiCA Latvijas Banka
24%
reducing or exiting
11.6%
Median return p.a.
11.4% without bonuses
63
Community score
- 4
Viainvest548 investors · €3.58M tracked 23% reducing or exiting · since 2016 · 359 portfolios
MiFID II Latvijas Banka
23%
reducing or exiting
12.0%
Median return p.a.
11.7% without bonuses
60
Community score
- 5
Indemo529 investors · €2.79M tracked 24% reducing or exiting · since 2022 · 261 portfolios
MiFID II Latvijas Banka
24%
reducing or exiting
5.7%
Median return p.a.
0.7% without bonuses
58
Community score
- 6
Mintos1,088 investors · €10.1M tracked 31% reducing or exiting · since 2015 · 702 portfolios
MiFID II EMI Latvijas Banka
31%
reducing or exiting
10.5%
Median return p.a.
9.8% without bonuses
57
Community score
-
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.
- 7
Inrento142 investors · €731K tracked 6% reducing or exiting · since 2020 · 57 portfolios
ECSP Bank of Lithuania
6%
reducing or exiting
8.8%
Median return p.a.
8.7% without bonuses
80
Community score
- 8
Afranga484 investors · €3.87M tracked 14% reducing or exiting · since 2021 · 186 portfolios
ECSP Bulgarian Financial Supervision Commission
14%
reducing or exiting
14.9%
Median return p.a.
13.8% without bonuses
68
Community score
- 9
Lande424 investors · €1.13M tracked 32% reducing or exiting · since 2020 · 251 portfolios
ECSP Latvijas Banka
32%
reducing or exiting
9.4%
Median return p.a.
8.9% without bonuses
57
Community score
- 10
LenderMarket427 investors · €3.01M tracked 31% reducing or exiting · since 2019 · 209 portfolios
ECSP Central Bank of Ireland
31%
reducing or exiting
17.3%
Median return p.a.
15.0% without bonuses
56
Community score
- 11
Estateguru177 investors · €1.42M tracked 94% reducing or exiting · since 2013 · 159 portfolios
ECSP Finantsinspektsioon
94%
reducing or exiting
5.7%
Median return p.a.
5.6% without bonuses
5
Community score
-
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.
- 12
Monefit975 investors · €10.6M tracked 13% reducing or exiting · since 2022 · 379 portfolios
national regulation Finantsinspektsioon
13%
reducing or exiting
8.6%
Median return p.a.
7.7% without bonuses
73
Community score
- 13
Go & Grow1,017 investors · €10.1M tracked 13% reducing or exiting · since 2018 · 519 portfolios
national regulation Finantsinspektsioon
13%
reducing or exiting
6.3%
Median return p.a.
72
Community score
- 14
Modena333 investors · €1.3M tracked 19% reducing or exiting · since 2019 · 55 portfolios
creditor licence Finantsinspektsioon
19%
reducing or exiting
10.9%
Median return p.a.
9.8% without bonuses
65
Community score
- 15
Maclear448 investors · €4.23M tracked 53% reducing or exiting · since 2023 · 264 portfolios
SRO-Mitgliedschaft (PolyReg, FINMA-anerkannt) PolyReg SRO
53%
reducing or exiting
23.5%
Median return p.a.
15.6% without bonuses
40
Community score
-
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.
- 16
3%
reducing or exiting
–
Median return p.a.
67
Community score
- 17
Peerberry507 investors · €4.07M tracked 23% reducing or exiting · since 2017 · 335 portfolios
No licence
23%
reducing or exiting
9.1%
Median return p.a.
64
Community score
- 18
Loanch374 investors · €2.04M tracked 22% reducing or exiting · since 2022 · 156 portfolios
No licence
22%
reducing or exiting
15.8%
Median return p.a.
14.1% without bonuses
63
Community score
- 19
Hive5272 investors · €1.26M tracked 23% reducing or exiting · since 2022 · 133 portfolios
No licence
23%
reducing or exiting
14.0%
Median return p.a.
63
Community score
- 20
Income377 investors · €1.95M tracked 24% reducing or exiting · since 2020 · 270 portfolios
No licence
24%
reducing or exiting
12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 21
17%
reducing or exiting
–
Median return p.a.
58
Community score
- 22
Devon339 investors · €2.31M tracked 11% reducing or exiting · since 2025 · 140 portfolios
No licence
11%
reducing or exiting
21.9%
Median return p.a.
16.0% without bonuses
56
Community score
- 23
Fintown178 investors · €1.27M tracked 27% reducing or exiting · since 2022 · 145 portfolios
No licence
27%
reducing or exiting
10.4%
Median return p.a.
10.0% without bonuses
55
Community score
- 24
Swaper339 investors · €2.9M tracked 34% reducing or exiting · since 2016 · 227 portfolios
No licence
34%
reducing or exiting
13.3%
Median return p.a.
52
Community score
- 25
Asterra Estate292 investors · €2M tracked 20% reducing or exiting · since 2025 · 129 portfolios
No licence
20%
reducing or exiting
23.3%
Median return p.a.
16.3% without bonuses
51
Community score
- 26
Robocash280 investors · €1.3M tracked 48% reducing or exiting · since 2017 · 235 portfolios
No licence
48%
reducing or exiting
10.2%
Median return p.a.
10.1% without bonuses
40
Community score
- 27
Esketit364 investors · €1.8M tracked 57% reducing or exiting · since 2020 · 264 portfolios
No licence
57%
reducing or exiting
11.5%
Median return p.a.
11.1% without bonuses
39
Community score
- 28
Ventus Energy695 investors · €8.81M tracked 58% reducing or exiting · since 2024 · 395 portfolios
No licence
58%
reducing or exiting
26.8%
Median return p.a.
19.6% without bonuses
29
Community score
How this list works
The order
Licence tier first: MiFID II, then ECSP, then national licences, then none. Inside a tier the community score decides, so investors set the order, not us.
The warning column
The share of votes that say reduce or exit. When a large part of a platform's investors want out, it shows here before it shows anywhere else.
What a licence covers
Supervision, capital requirements and disclosure duties; in the MiFID II tier also an investor compensation scheme. Not covered: loan defaults or the platform's own business risk.
Licences can be granted and surrendered. Each platform page lists its licences and the supervising authority. Verify with that authority before investing.
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 regulation and the columns on this page.
Why is there no safety score on this page?
Because any single number would be our opinion, and this page shows facts instead. The licence tier is verifiable, the community score comes from 2,016 investors, the reduce-or-exit share and the return band come from real portfolios. Read them side by side; a platform with a strong licence and a high exit share tells a different story than one with the same licence and a low one.
What does a MiFID II licence mean for investors?
The platform is an investment firm supervised under EU rules, with capital requirements, disclosure duties and an investor compensation scheme that covers 90% of claims up to €20,000 if the firm itself fails. Loan defaults are not covered by any of it.
Is an unlicensed platform automatically unsafe?
No. It means no financial authority supervises it, so you rely on the platform's own governance and there is no regulator to escalate to. Some unlicensed platforms have long track records. The data columns show how their investors actually behave.
How current is the regulatory status?
We maintain the licence data per platform by hand and review it regularly, but licences change. Each platform page lists the licences and the authority. Verify with that authority before investing.