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 2,078 real portfolios across 67 platforms.
What these numbers are based on
Every figure on this page comes from transactions imported by 2,078 users. Data through October 28, 2026.
- Investors on P2P Dash
- 2,078
- Users with imported platform data
- Combined portfolio value
- €120M
- All tracked portfolios added up, today
- Interest earned all-time
- €21.7M
- Over the whole imported history
- Platforms covered
- 67
- 67 of 80 platforms clear the data floor
What portfolios returned
The net return the middle portfolio reached, after defaults and fees.
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.
See returns by platform and year →Median net return (XIRR)
11.7%
Whole history · Based on 1,483 investor portfolios
- Median net return, last 12 months
- 11.7%
- Based on 584 investor portfolios
- Middle 50% of investors
- 9.1% – 15.3%
- A quarter of portfolios sit below, a quarter above
- Without cashback
- 10.0%
- The same median with sign-up and loyalty bonuses removed
- Median cash drag
- 2.2%
- Share of funds sitting uninvested
Year by year
How the return developed per calendar year.
Each bar is the median of one calendar year. Dark blue is the return without cashback, light blue on top is what bonuses added. The current year is not over yet.
10.9%
2015
11.8%
2016
11.3%
2017
11.1%
2018
11.3%
2019
9.6%
2020
9.1%
2021
8.0%
2022
9.8%
2023
10.3%
2024
12.1%
2025
11.5%
2026
Years with too few tracked portfolios are left out. 2026 is still running.
All years as a table
| Year | Median net return (XIRR) | Without cashback | Middle 50% | Median cash drag | Portfolios |
|---|---|---|---|---|---|
| 2026 | 11.5% | 9.9% | 9.1% – 14.7% | 1.0% | 1,154 |
| 2025 | 12.1% | 10.6% | 9.4% – 15.9% | 1.9% | 1,171 |
| 2024 | 10.3% | 9.6% | 8.1% – 13.0% | 2.4% | 788 |
| 2023 | 9.8% | 9.3% | 7.6% – 12.1% | 2.6% | 593 |
| 2022 | 8.0% | 7.7% | 6.7% – 10.1% | 1.6% | 470 |
| 2021 | 9.1% | 8.9% | 7.4% – 10.4% | 2.0% | 341 |
| 2020 | 9.6% | 9.4% | 7.8% – 11.6% | 2.1% | 249 |
| 2019 | 11.3% | 10.6% | 9.5% – 12.8% | 2.6% | 149 |
| 2018 | 11.1% | 11.0% | 10.0% – 12.7% | 2.8% | 92 |
| 2017 | 11.3% | 11.1% | 10.3% – 12.9% | 2.2% | 48 |
| 2016 | 11.8% | 11.8% | 10.4% – 13.1% | 2.0% | 19 |
| 2015 | 10.9% | 10.9% | 9.8% – 11.7% | 2.9% | 6 |
Where the money went
Whether investors moved more money onto the platforms or took it off, month by month.
Net capital added
+€39.1M
November 2025 to October 2026
Each bar is one month: deposits minus withdrawals across all tracked platforms, from transaction data rather than announcements. The 12 months behind the figure above are solid, the months before are faded.
What investors plan to do
Which strategy investors set for their platforms, and whether that changes.
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
- 27.6%
- Reinvest
- 19.9%
- Hold
- 23.3%
- Reduce
- 8.4%
- Exit
- 20.8%
4,867 stated intents
How the mood is shifting
The community score across all platforms, week by week, and how the strategies are split. A week runs from Monday to Sunday and shows up once it is over. The last 7 days sit next to it, so you see a turn without waiting a week.
How to read the charts: a flat line and columns of the same height mean the community has not changed its plans. That is a finding, not a glitch. The bars under the score show how many investors became more confident (up) or more cautious (down) that week.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
56
as of Oct 28, 2026
Last 7 days
0
- More cautious
- 55
- More confident
- 34
Oct 22 to Oct 28, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Oct 19 to Oct 25, 2026 | 56 | 4,830 | 34 | 50 | 128 | 12 | 28% | 20% | 24% | 8% | 21% |
| Oct 12 to Oct 18, 2026 | 56 | 4,714 | 28 | 48 | 73 | 36 | 27% | 20% | 23% | 8% | 21% |
| Oct 5 to Oct 11, 2026 | 57 | 4,677 | 36 | 61 | 129 | 4 | 28% | 20% | 23% | 8% | 20% |
| Sep 28 to Oct 4, 2026 | 57 | 4,552 | 50 | 65 | 138 | 4 | 28% | 21% | 23% | 8% | 20% |
| Sep 21 to Sep 27, 2026 | 57 | 4,418 | 42 | 59 | 71 | 5 | 28% | 20% | 23% | 9% | 20% |
| Sep 14 to Sep 20, 2026 | 57 | 4,352 | 35 | 48 | 112 | 9 | 28% | 20% | 23% | 8% | 20% |
| Sep 7 to Sep 13, 2026 | 57 | 4,249 | 31 | 47 | 101 | 26 | 28% | 20% | 23% | 8% | 20% |
| Aug 31 to Sep 6, 2026 | 57 | 4,174 | 46 | 57 | 151 | 36 | 28% | 20% | 23% | 8% | 20% |
| Aug 24 to Aug 30, 2026 | 57 | 4,059 | 12 | 32 | 48 | 5 | 28% | 20% | 23% | 8% | 21% |
| Aug 17 to Aug 23, 2026 | 57 | 4,016 | 30 | 49 | 106 | 10 | 28% | 20% | 23% | 8% | 20% |
| Aug 10 to Aug 16, 2026 | 57 | 3,920 | 31 | 28 | 111 | 6 | 28% | 20% | 23% | 8% | 20% |
| Aug 3 to Aug 9, 2026 | 57 | 3,815 | 42 | 36 | 108 | 4 | 28% | 20% | 23% | 8% | 20% |
| Jul 27 to Aug 2, 2026 | 57 | 3,711 | 34 | 72 | 115 | 8 | 28% | 20% | 24% | 9% | 20% |
How these numbers are made
Where the data comes from and what it is not.
- 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 October 28, 2026.
These figures are free to reuse under CC BY 4.0. Please credit P2P Dash and link back to this page.
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.
Questions about these numbers
- What is a realistic return on P2P lending?
- Across 1,483 tracked portfolios the median net return is 11.7% a year, after defaults and fees. Half of all portfolios sit between 9.1% and 15.3%. 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 11.7% over the trailing twelve months, measured across 584 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 9.1% or below and a quarter at 15.3% 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 2.2% 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.
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.