Debitum vs Loanch
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash: returns, sentiment and facts side by side.
Head to head at a glance
Higher median return
Too close to call
15.2% · 15.6%
Better last 12 months
Too close to call
15.7% · 15.7%
More investors adding funds
Too close to call
58.2% · 58.0%
Community data compared
As of August 28, 2026
 Debitum |  Loanch | |
|---|---|---|
| Community ranking 2026 | #5 of 27 | #7 of 27 |
| Median net return (XIRR) | 15.2% | 15.6% |
| Median cash drag | 2.2% | 1.2% |
| Investors on P2P Dash | 835 | 325 |
| Combined portfolio value | €5.6M | €1.79M |
| Interest earned all-time | €647K | €174K |
Platform facts
| Founded | 2018 | 2022 |
| Headquarters | 🇱🇻 Latvia | 🇭🇷 Croatia |
| Regulated | Yes | No |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | No | No |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Debitum
15.7%
Last 12 months · All time 15.2%
184 investors
Loanch
15.7%
Last 12 months · All time 15.6%
52 investors
15.5%
16.8%
2024
14.5%
15.8%
2025
14.5%
16.3%
2026
Loanch came out ahead in 3 of the 3 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Debitum Middle 50% of investors: 13.7% – 17.3%
Median net return (XIRR): 15.2%
Loanch Middle 50% of investors: 14.4% – 17.4%
Median net return (XIRR): 15.6%
Loanch investors sit closer together: 3.0% between the 25th and 75th percentile, against 3.6%.
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
Investors who track both
219 investors track both platforms.
26% of Debitum investors also track Loanch.
67% of Loanch investors also track Debitum.
What the data says
Both platforms currently deliver a similar median net return: 15.2% at Debitum versus 15.6% at Loanch.
Debitum is the bigger platform on P2P Dash, with 835 investors tracking it versus 325 for Loanch.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: Debitum or Loanch?
Among P2P Dash investors, Loanch currently shows the higher median net return (XIRR): 15.6% versus 15.2% (as of August 28, 2026). The middle 50% of portfolios earn 13.7% – 17.3% at Debitum and 14.4% – 17.4% at Loanch.
Where do investors put new money right now, Debitum or Loanch?
As of August 28, 2026, 58% of stated strategies at Debitum are “add funds” or “reinvest”, compared to 58% at Loanch.
Do investors use Debitum and Loanch at the same time?
219 investors on P2P Dash track both platforms. 67% of Loanch investors also have Debitum in their portfolio.
How do I compare my own returns on Debitum and Loanch?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform, directly comparable in one dashboard.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income, per platform and combined.