P2P lending statistics
Everything the P2P Dash community data says about peer-to-peer lending, on one page: what portfolios returned, how much money sat idle, where capital moved and what investors plan to do next. Measured from 1,745 real portfolios across 60 platforms.
- Investors on P2P Dash
- 1,745
- Combined portfolio value
- €94.5M
- Interest earned all-time
- €15.7M
- Platforms covered
- 60
- 60 of 71 platforms clear the data floor
What portfolios returned
Net return (XIRR) across all tracked portfolios and their full history, after defaults and fees. The median is the middle portfolio, so one outsized account cannot move it.
- Median net return (XIRR)
- 11.7%
- Based on 1,103 investor portfolios
- Median net return, last 12 months
- 12.0%
- Based on 463 investor portfolios
- Middle 50% of investors
- 9.2% – 15.2%
- Without cashback
- 10.2%
- The same median with sign-up and loyalty bonuses removed
- Median cash drag
- 2.4%
- Share of funds sitting uninvested
Year by year
The same figures per calendar year. Years whose cohort was too small to publish are left out rather than shown as zero.
10.6%
2015
11.8%
2016
11.3%
2017
11.1%
2018
11.2%
2019
9.5%
2020
9.1%
2021
8.0%
2022
9.9%
2023
10.4%
2024
12.3%
2025
12.0%
2026
Years with too few tracked portfolios are left out. 2026 is still running.
| Year | Median net return (XIRR) | Without cashback | Middle 50% | Median cash drag | Portfolios |
|---|---|---|---|---|---|
| 2026 | 12.0% | 10.2% | 9.3% – 15.9% | 1.1% | 1,013 |
| 2025 | 12.3% | 10.6% | 9.4% – 16.1% | 1.8% | 1,033 |
| 2024 | 10.4% | 9.7% | 8.1% – 13.0% | 2.2% | 692 |
| 2023 | 9.9% | 9.4% | 7.6% – 12.2% | 2.4% | 518 |
| 2022 | 8.0% | 7.7% | 6.7% – 10.1% | 1.6% | 412 |
| 2021 | 9.1% | 8.8% | 7.3% – 10.4% | 1.9% | 302 |
| 2020 | 9.5% | 9.4% | 7.8% – 11.5% | 2.1% | 220 |
| 2019 | 11.2% | 10.6% | 9.5% – 12.7% | 2.5% | 136 |
| 2018 | 11.1% | 11.0% | 9.7% – 12.8% | 3.0% | 83 |
| 2017 | 11.3% | 11.1% | 10.3% – 12.9% | 2.3% | 43 |
| 2016 | 11.8% | 11.8% | 10.8% – 12.9% | 1.8% | 17 |
| 2015 | 10.6% | 10.6% | 9.6% – 11.1% | 2.2% | 5 |
Where the money went
Deposits minus withdrawals across all platforms over the last 12 months, from transaction data rather than announcements.
Net capital added
€37.1M
What investors plan to do
The intent our users set on each platform they track. It is a stated plan rather than a transaction, which makes it the one figure here that looks forward.
- Add funds
- 28.2%
- Reinvest
- 19.7%
- Hold
- 23.5%
- Reduce
- 8.5%
- Exit
- 20.1%
3,715 stated intents
How these numbers are made
- Every figure comes from transaction data that P2P Dash users imported from their platforms: what actually happened in their accounts, not survey answers or platform announcements.
- A platform counts as covered once at least 5 portfolios track it. Smaller cohorts are suppressed by the privacy pipeline before we ever see them, which is also why some years and platforms are simply absent.
- These are our users' portfolios, not the market. They are a sample of engaged retail investors, and a self-selected one, so read them as what this community experienced rather than as an industry average.
- Everything is recomputed nightly from the underlying transactions, so past periods can still move as users import more history. What you see is the state of the data on July 29, 2026.
These figures are free to reuse under CC BY 4.0. Please credit P2P Dash and link back to this page.
Questions about these numbers
- What is a realistic return on P2P lending?
- Across 1,103 tracked portfolios the median net return is 11.7% a year, after defaults and fees. Half of all portfolios sit between 9.2% and 15.2%. The spread says more than the middle: platform choice and how long the money stays invested decide where a portfolio lands in that range.
- What did P2P lending return over the last 12 months?
- The median portfolio returned 12.0% over the trailing twelve months, measured across 463 portfolios that were active in that window. It is a much shorter window than the all-time figure, so it moves faster when defaults cluster or platforms change their rates.
- Do P2P investors lose money?
- Some do. A quarter of tracked portfolios ended at 9.2% or below and a quarter at 15.2% or above, with the median at 11.7%. Defaults, platform failures and money stuck in recovery are the usual reason a portfolio lands in the lower quarter. Those portfolios are counted here rather than filtered out.
- How much uninvested cash sits in P2P portfolios?
- The median portfolio holds 2.4% of its balance as cash that earns nothing. It builds up from repayments waiting for a new loan, from deposits that arrive before there is anything to buy, and from platforms with little on offer. This is return you lose without a single loan defaulting.
- Where do these numbers come from?
- From transaction data that 1,745 P2P Dash users imported from their own platform accounts, covering 60 platforms. No surveys, no platform announcements. A platform only appears once at least 5 portfolios track it, and smaller cohorts are suppressed before they reach this site. Everything is recomputed nightly; this page shows the data as of July 29, 2026.
Inside P2P Dash
See your own numbers next to these
Import your platform exports and P2P Dash runs the same calculations on your portfolio: return, cash drag and flows per platform and per year.