Regulated P2P Lending Platforms 2026
14 of the 27 ranked platforms hold a licence: 6 as MiFID II investment firms, 4 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.
14 licensed P2P platforms by tier and community score 2026
Sorted by licence tier, then by what 1,913 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
Nectaro517 investors · €4.3M tracked 20% reducing or exiting · since 2023 · 177 portfolios
MiFID II Latvijas Banka
20%
reducing or exiting
16.6%
Median return p.a.
13.2% without bonuses
69
Community score
- 2
Debitum847 investors · €5.7M tracked 18% reducing or exiting · since 2018 · 455 portfolios
MiFID II Latvijas Banka
18%
reducing or exiting
15.2%
Median return p.a.
13.1% without bonuses
68
Community score
- 3
Viainvest531 investors · €3.53M tracked 23% reducing or exiting · since 2016 · 340 portfolios
MiFID II Latvijas Banka
23%
reducing or exiting
12.0%
Median return p.a.
11.7% without bonuses
61
Community score
- 4
Twino275 investors · €1.32M tracked 27% reducing or exiting · since 2015 · 152 portfolios
MiFID II MiCA Latvijas Banka
27%
reducing or exiting
11.6%
Median return p.a.
11.4% without bonuses
60
Community score
- 5
Indemo506 investors · €2.65M tracked 24% reducing or exiting · since 2022 · 245 portfolios
MiFID II Latvijas Banka
24%
reducing or exiting
5.7%
Median return p.a.
0.7% without bonuses
59
Community score
- 6
Mintos1,043 investors · €9.97M tracked 32% reducing or exiting · since 2015 · 655 portfolios
MiFID II EMI Latvijas Banka
32%
reducing or exiting
10.6%
Median return p.a.
10.0% 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
Afranga459 investors · €3.71M tracked 14% reducing or exiting · since 2021 · 172 portfolios
ECSP Bulgarian Financial Supervision Commission
14%
reducing or exiting
14.7%
Median return p.a.
13.8% without bonuses
68
Community score
- 8
Lande400 investors · €1.07M tracked 27% reducing or exiting · since 2020 · 246 portfolios
ECSP Latvijas Banka
27%
reducing or exiting
9.3%
Median return p.a.
8.8% without bonuses
60
Community score
- 9
LenderMarket407 investors · €3M tracked 31% reducing or exiting · since 2019 · 185 portfolios
ECSP Central Bank of Ireland
31%
reducing or exiting
17.7%
Median return p.a.
15.1% without bonuses
56
Community score
- 10
Estateguru169 investors · €1.45M tracked 94% reducing or exiting · since 2013 · 153 portfolios
ECSP Finantsinspektsioon
94%
reducing or exiting
5.8%
Median return p.a.
5.7% 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.
- 11
Monefit918 investors · €9.13M tracked 14% reducing or exiting · since 2022 · 337 portfolios
national regulation Finantsinspektsioon
14%
reducing or exiting
8.6%
Median return p.a.
7.6% without bonuses
73
Community score
- 12
Go & Grow955 investors · €9.49M tracked 13% reducing or exiting · since 2018 · 463 portfolios
national regulation Finantsinspektsioon
13%
reducing or exiting
6.3%
Median return p.a.
72
Community score
- 13
Modena306 investors · €1.2M tracked 20% reducing or exiting · since 2019 · 36 portfolios
creditor licence Finantsinspektsioon
20%
reducing or exiting
10.8%
Median return p.a.
10.1% without bonuses
67
Community score
- 14
Maclear418 investors · €4.04M tracked 49% reducing or exiting · since 2023 · 233 portfolios
SRO-Mitgliedschaft (PolyReg, FINMA-anerkannt) PolyReg SRO
49%
reducing or exiting
23.3%
Median return p.a.
15.6% without bonuses
43
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.
- 15
Loanch336 investors · €1.82M tracked 20% reducing or exiting · since 2022 · 120 portfolios
No licence
20%
reducing or exiting
15.8%
Median return p.a.
14.2% without bonuses
66
Community score
- 16
5%
reducing or exiting
–
Median return p.a.
65
Community score
- 17
Income358 investors · €1.86M tracked 25% reducing or exiting · since 2020 · 254 portfolios
No licence
25%
reducing or exiting
12.1%
Median return p.a.
11.8% without bonuses
63
Community score
- 18
Peerberry481 investors · €3.63M tracked 26% reducing or exiting · since 2017 · 319 portfolios
No licence
26%
reducing or exiting
9.2%
Median return p.a.
61
Community score
- 19
15%
reducing or exiting
–
Median return p.a.
57
Community score
- 20
Hive5255 investors · €1.17M tracked 28% reducing or exiting · since 2022 · 124 portfolios
No licence
28%
reducing or exiting
13.9%
Median return p.a.
57
Community score
- 21
Fintown171 investors · €1.29M tracked 25% reducing or exiting · since 2022 · 139 portfolios
No licence
25%
reducing or exiting
10.4%
Median return p.a.
10.1% without bonuses
57
Community score
- 22
Devon328 investors · €2.27M tracked 13% reducing or exiting · since 2025 · 114 portfolios
No licence
13%
reducing or exiting
22.0%
Median return p.a.
16.0% without bonuses
55
Community score
- 23
Asterra Estate286 investors · €1.98M tracked 22% reducing or exiting · since 2025 · 107 portfolios
No licence
22%
reducing or exiting
24.1%
Median return p.a.
16.3% without bonuses
51
Community score
- 24
Swaper325 investors · €2.79M tracked 38% reducing or exiting · since 2016 · 212 portfolios
No licence
38%
reducing or exiting
13.3%
Median return p.a.
49
Community score
- 25
Esketit352 investors · €1.86M tracked 48% reducing or exiting · since 2020 · 255 portfolios
No licence
48%
reducing or exiting
11.5%
Median return p.a.
11.1% without bonuses
44
Community score
- 26
Robocash266 investors · €1.26M tracked 49% reducing or exiting · since 2017 · 224 portfolios
No licence
49%
reducing or exiting
10.2%
Median return p.a.
10.0% without bonuses
38
Community score
- 27
Ventus Energy686 investors · €8.71M tracked 54% reducing or exiting · since 2024 · 343 portfolios
No licence
54%
reducing or exiting
26.8%
Median return p.a.
19.6% without bonuses
32
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 1,913 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.