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 2,055 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
Nectaro564 investors · €4.44M tracked18% reducing or exiting · since 2023 · 238 portfolios
MiFID IILatvijas Banka
18%
reducing or exiting
16.3%
Median return p.a.
13.1% without bonuses
71
Community score
- 2
Debitum929 investors · €6.13M tracked21% reducing or exiting · since 2018 · 526 portfolios
MiFID IILatvijas Banka
21%
reducing or exiting
15.3%
Median return p.a.
13.2% without bonuses
66
Community score
- 3
Twino313 investors · €1.54M tracked24% reducing or exiting · since 2015 · 169 portfolios
MiFID IIMiCALatvijas Banka
24%
reducing or exiting
11.7%
Median return p.a.
11.3% without bonuses
62
Community score
- 4
Viainvest558 investors · €3.6M tracked23% reducing or exiting · since 2016 · 369 portfolios
MiFID IILatvijas Banka
23%
reducing or exiting
12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 5
Indemo538 investors · €2.84M tracked25% reducing or exiting · since 2022 · 271 portfolios
MiFID IILatvijas Banka
25%
reducing or exiting
5.7%
Median return p.a.
0.7% without bonuses
57
Community score
- 6
Mintos1,113 investors · €10.3M tracked33% reducing or exiting · since 2015 · 722 portfolios
MiFID IIEMILatvijas Banka
33%
reducing or exiting
10.4%
Median return p.a.
9.7% without bonuses
56
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
Inrento152 investors · €754K tracked7% reducing or exiting · since 2020 · 58 portfolios
ECSPBank of Lithuania
7%
reducing or exiting
8.9%
Median return p.a.
8.7% without bonuses
77
Community score
- 8
Afranga493 investors · €4.01M tracked13% reducing or exiting · since 2021 · 196 portfolios
ECSPBulgarian Financial Supervision Commission
13%
reducing or exiting
14.8%
Median return p.a.
13.8% without bonuses
68
Community score
- 9
LenderMarket434 investors · €3.01M tracked30% reducing or exiting · since 2019 · 227 portfolios
ECSPCentral Bank of Ireland
30%
reducing or exiting
17.2%
Median return p.a.
14.8% without bonuses
57
Community score
- 10
Lande434 investors · €1.16M tracked32% reducing or exiting · since 2020 · 254 portfolios
ECSPLatvijas Banka
32%
reducing or exiting
9.4%
Median return p.a.
8.9% without bonuses
56
Community score
- 11
Estateguru181 investors · €1.48M tracked92% reducing or exiting · since 2013 · 163 portfolios
ECSPFinantsinspektsioon
92%
reducing or exiting
5.6%
Median return p.a.
5.4% without bonuses
6
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
Go & Grow1,035 investors · €10.3M tracked12% reducing or exiting · since 2018 · 560 portfolios
national regulationFinantsinspektsioon
12%
reducing or exiting
6.2%
Median return p.a.
72
Community score
- 13
Monefit1,004 investors · €12M tracked14% reducing or exiting · since 2022 · 401 portfolios
national regulationFinantsinspektsioon
14%
reducing or exiting
8.6%
Median return p.a.
7.7% without bonuses
72
Community score
- 14
Modena347 investors · €1.36M tracked18% reducing or exiting · since 2019 · 61 portfolios
creditor licenceFinantsinspektsioon
18%
reducing or exiting
11.3%
Median return p.a.
9.5% without bonuses
65
Community score
- 15
Maclear460 investors · €4.44M tracked51% reducing or exiting · since 2023 · 279 portfolios
SRO-Mitgliedschaft (PolyReg, FINMA-anerkannt)PolyReg SRO
51%
reducing or exiting
23.6%
Median return p.a.
15.6% without bonuses
42
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
4%
reducing or exiting
–
Median return p.a.
66
Community score
- 17
22%
reducing or exiting
15.7%
Median return p.a.
14.1% without bonuses
64
Community score
- 18
Peerberry525 investors · €4.12M tracked25% reducing or exiting · since 2017 · 345 portfolios
No licence
25%
reducing or exiting
9.1%
Median return p.a.
63
Community score
- 19
24%
reducing or exiting
12.0%
Median return p.a.
11.7% without bonuses
63
Community score
- 20
22%
reducing or exiting
14.0%
Median return p.a.
62
Community score
- 21
FF Forest422 investors · €2.34M tracked17% reducing or exiting · since 2025 · 18 portfolios
No licence
17%
reducing or exiting
24.1%
Median return p.a.
19.4% without bonuses
56
Community score
- 22
11%
reducing or exiting
21.9%
Median return p.a.
16.0% without bonuses
55
Community score
- 23
Fintown180 investors · €1.29M tracked29% reducing or exiting · since 2022 · 149 portfolios
No licence
29%
reducing or exiting
10.4%
Median return p.a.
10.0% without bonuses
54
Community score
- 24
32%
reducing or exiting
13.3%
Median return p.a.
52
Community score
- 25
Asterra Estate294 investors · €2.03M tracked20% reducing or exiting · since 2025 · 142 portfolios
No licence
20%
reducing or exiting
23.3%
Median return p.a.
16.3% without bonuses
50
Community score
- 26
Robocash281 investors · €1.32M tracked48% reducing or exiting · since 2017 · 239 portfolios
No licence
48%
reducing or exiting
10.2%
Median return p.a.
10.0% without bonuses
40
Community score
- 27
Esketit373 investors · €1.79M tracked60% reducing or exiting · since 2020 · 271 portfolios
No licence
60%
reducing or exiting
11.5%
Median return p.a.
11.1% without bonuses
37
Community score
- 28
Ventus Energy701 investors · €8.98M tracked59% reducing or exiting · since 2024 · 419 portfolios
No licence
59%
reducing or exiting
26.9%
Median return p.a.
19.5% 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 2,055 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.