There are hundreds of p2p lending platforms across all Europe. The biggest p2p lending markets are in the UK, Germany, France, and the Baltics. There are also some hidden gems in smaller markets like Finland, Slovakia or Bulgaria.

What kind of p2p lending platforms are on this list

The list below contains the most accessible and easy to register with platforms from Europe. All of them follow these 2 criteria:

  • the website is up and running and there are at least some loans available on the market
  • the registration is easy for anybody, at least from anybody inside the European Union

The hardest platforms to register to are the ones from the UK, even though the UK is the largest p2p lending market in Europe. Almost all of them would contact you by email and ask for a copy of ID documents and proof of address, even though this could be easily done on their website too. Some of them would ask for “certified” copies of your documents. I’ve removed those platforms from the list because there’s too much trouble to register with them.

ablrate logo

ablrate

Ablrate is a small p2p business lender from the UK, offering secured loans up to 15% interest rate.

The thing that makes ablrate interesting is its low default rate on the published loans.

Key features:

  • Type: P2P Business Lending
  • Launched: 2014
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 6% – 15%
  • Minimum investment: 1 GBP (100 GBP minimum deposit)
  • Currencies: GBP
  • Fees: no
  • Secondary market: yes
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Business, Property
  • Loan securities: asset-backed loans (property, equipment)

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abundance investment logo

Abundance Investments

Abundance offers for investment green projects, mainly renewable energy projects in the UK, that contribute to a better world.

The platform lets investors buy debentures and receive shares of the profits from the sale of green energy along with repayment of their initial investment.

Key features:

  • Type: P2P Business Lending
  • Launched: 2012
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 5% – 12%
  • Minimum investment: 5 GBP
  • Currencies: GBP
  • Fees: no
  • Secondary market: yes
  • Auto-invest: no
  • Accepts investors from: UK or EEA (European Economic Area) citizen
  • Loan types: Business
  • Loan terms: 2-20 years
  • Loan securities: debentures

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archover logo

ArchOver

ArchOver is a p2p business lending platform focused on loans secured by accounts receivable.

Since they started operations in 2014 they managed to fund loans worth of more than 100 million GBP. So far, only 4 of the funded loans defaulted

Key features:

  • Type: P2P Business Lending
  • Launched: 2013
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 6% – 8.5%
  • Minimum investment: 1000 GBP
  • Currencies: GBP
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes (through preset investment funds)
  • Accepts investors from: UK or EEA (European Economic Area) citizen
  • Loan types: Business
  • Loan securities: loans secured against Accounts Receivable
  • Bonus: 75 GBP if investing 5000 GBP in the first 90 days

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assetz capital

Assetz Capital

Assetz Capital is another UK p2p lending platform that offers investments in business and property loans. Every loan is secured by property, equipment or debentures.

You can invest manually and expect a return rate between 5.5% and 18%. You can also choose between one of the 5 types of automatic accounts and expect a rate between 3.75% and 6.25%.

Key features:

  • Type: P2P Business Lending
  • Launched: 2013
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 4% – 15%
  • Minimum investment: 0.01 GBP
  • Currencies: GBP
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes (through preset investment funds)
  • Accepts investors from: Worldwide
  • Loan types: Business, Property
  • Loan securities: loans secured by property, equipment or debentures
  • Bonus: 50 GBP if investing 1000 GBP

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bolden logo

Bolden

Bolden lets you invest in French SMEs (small and medium enterprises).

The available loans are unsecured, but the default rates are very low. The loans are rated from A to E and the estimated default rate ranges from 0.4% to 2.3% based on the risk rating.

Key features:

  • Type: P2P Business Lending
  • Launched: 2014
  • Headquarters: France
  • Average return: 7.25%
  • Minimum investment: 20 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: EEA, Canada, Australia, Japan, Singapore (no US)
  • Loan types: Business
  • Loan securities: no
  • Loan terms: 1-5 years
  • Bonus: 30 EUR when you invest 250 EUR

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bondora logo

Bondora

Bondora is an Estonian p2p lending platform that started in 2009. The platform is a big automatic investment tool where you set the level of risk you want to take, fund your account and let it run. The loans are split into risk categories from AA to F and they are unsecured consumer loans from Estonia, Finland and Spain.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2009
  • Headquarters: Estonia
  • Regulated by: Estonian Financial Supervision Authority
  • Average return: 10.6%
  • Minimum investment: 1 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: no
  • Loan terms: 3-60 months
  • Bonus: 5 EUR on registration

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bondster logo

Bondster

Bondster is a p2p lending platform offering a wide range of secured and unsecured loans from the Czech Republic: business, mortgage, personal, and short-term.

Key features:

  • Type: P2P Consumer Lending, P2P Business Lending
  • Launched: 2017
  • Headquarters: Czech Republic
  • Average return: 11%
  • Minimum investment: 5 EUR
  • Currencies: EUR, CZK
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer, Business, Mortgage
  • Loan securities: collateral, buyback guarantee
  • Loan terms: 20 days to 20 years

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Brickowner

Brickowner

Brickowner is a new real estate crowdfunding platform from the UK that lets you invest in property development and gain profit after the sale of the property.

Key features:

  • Type: P2P Property Lending
  • Launched: 2018
  • Headquarters: United Kingdom
  • Average return: 7% – 25%
  • Minimum investment: 100 GBP
  • Currencies: GBP
  • Fees: 3% fee at the time of investment and a 0.75% annual management fee
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide (except US citizen)
  • Loan types: Property
  • Loan securities: mortgage
  • Loan terms: 1-4 years

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brickstarter properties

Brickstarter

Brickstarter is a new real estate crowdfunding platform from Spain that focuses on buy-to-sell vacation rental properties.

Key features:

  • Type: Equity-based real estate crowdfunding
  • Launched: 2017
  • Headquarters: Spain
  • Average return: ~9%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no fees
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: EU
  • Investment types: Vacation rental properties
  • Investment terms: ~1 year

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british pearl

British Pearl

British Pearl is a real estate property crowdfunding platform from the UK. You can either invest in property development loans or buy shares of properties and receive income from rent or sale of the property.

Key features:

  • Type: Equity-based property crowdfunding
  • Launched: 2010
  • Headquarters: United Kingdom
  • Average return: 4% – 12%
  • Minimum investment: 50 GBP
  • Currencies: GBP
  • Fees: 2% fee when you invest; 20% success fee from the property sale (only on the price appreciation)
  • Secondary market: yes
  • Auto-invest: no
  • Accepts investors from: Worldwide (except US citizen)
  • Investment terms: 2-5 years

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bulkestate

Bulkestate

Bulkestate is an Estonian p2p lending platform that lets you invest in real estate development projects. The interest rates on the projects funded so far range from 13% to 19%.

Key features:

  • Type: P2P Property Lending
  • Launched: 2016
  • Headquarters: Estonia
  • Average return: 14.24%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide (except US citizen)
  • Loan types: Property
  • Loan securities: mortgage
  • Loan terms: 6-24 months

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creditfr logo

Credit.fr

Credit.fr is a large p2p business lending platform from France with more than 20.000 investors. The average loan duration is 41 months, and so far they’ve funded more than 500 projects, with a default rate of 7.5%.

Key features:

  • Type: P2P Business Lending
  • Launched: 2015
  • Headquarters: France
  • Average return: 7.56%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Business
  • Loan securities: no
  • Loan terms: 24-60 months

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crowdestate

Crowdestate

Crowdestate is an Estonian p2p businesss lending platform offering either real estate development loans with an average interest rate of 12% or high interest rate business loans with 16% – 20% interest rate.

Key features:

  • Type: P2P Business Lending, P2P Property Lending
  • Launched: 2014
  • Headquarters: Estonia
  • Average return: 18.31%
  • Minimum investment: 100 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide (except US citizen)
  • Loan types: Business, Mortgage, Property
  • Loan securities: mortgage
  • Loan terms: 6-36 months

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crowdestor logo

Crowdestor

Crowdestor is a p2p business lending platform based in Estonia. It offers investors the opportunity to invest in real estate, energy, transport and startup projects from as little as 50 EUR. The investment annual return rates are around 15%.

Key features:

  • Type: P2P Business Lending, P2P Property Lending
  • Launched: 2018
  • Headquarters: Estonia
  • Average return: 12% – 36%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide (except US citizen)
  • Loan types: Business, Mortgage, Property
  • Loan securities: mortgage, small provision fund
  • Loan terms: 3-24 months

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debitum network

Debitum Network

Debitum Network is a decentralized p2p lending marketplace from Latvia, that started offering business loans to worldwide companies in September 2018.

So far, it managed to finance loans worth a bit over 4.6 million EUR, and the platform already has more than 1.800 investors registered.

Key features:

  • Type: P2P Business Lending, Invoice Trading
  • Launched: 2018
  • Headquarters: Latvia
  • Average return: 8% – 12%
  • Minimum investment: 10 EUR (50 EUR minimum deposit)
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Business loans, Invoice financing, Trade financing
  • Loan securities: collateral, personal guarantees, buyback guarantee
  • Loan terms: 7 days to 3 years
  • Bonus: 10 EUR bonus when you invest at least 250 EUR on the platform

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dofinance logo

doFinance

DoFinance is a p2p lending platform offering consumer loans to its investors. It’s part of Alfa Finance group, and it only offers loans originated from lenders belonging to the same group (KreditCepat, TaniKredyt and Opoqa Finance).

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2016
  • Headquarters: Latvia
  • Average return: 5% – 11%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide (with an EU bank account)
  • Loan types: Consumer
  • Loan securities: buyback guarantee
  • Loan terms: 7 days to 5 years

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ekassa logo

Ekassa

Ekassa is a p2p lending platform offering consumer loans from Poland. While the platform only launched in 2018, its mother company has been doing operations since 2012.

You can either invest manually in individual loans or select one of their 2 investment plans (7.4% guaranteed income or 9-11% Profitable).

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2018
  • Headquarters: Estonia
  • Average return: 7.4% – 13%
  • Minimum investment: 10 EUR, 50 PLN
  • Currencies: EUR, PLN
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Loan types: Consumer
  • Loan securities: buyback guarantee
  • Loan terms: 1-12 months

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elevate logo

Elevate

Elevate is an equity-based real-estate crowdfunding platform from the UK that lets you invest in buy-to-let properties.

Key features:

  • Type: Equity-based Property Crowdfunding
  • Launched: 2015
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 4% – 15%
  • Minimum investment: 100 GBP
  • Currencies: GBP
  • Fees: 2-3% funding fee, 0.75% annual fee
  • Secondary market: yes
  • Auto-invest: no
  • Accepts investors from: Worldwide (manual process for non-UK investors)
  • Loan types: Property
  • Loan securities: mortgage

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envestio logo

Envestio

Envestio is a crowd investing platform based in Estonia. It offers investing opportunities from a wide range of industry sectors. The investments offered have a yearly interest rate between 12% and 22%.

Key features:

  • Type: P2P Business Lending
  • Launched: 2018
  • Headquarters: Estonia
  • Average return: 12% – 22%
  • Minimum investment: 1 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no (early exit possible by selling back loan to Envestio with 5% penalty)
  • Auto-invest: no
  • Accepts investors from: EU residents
  • Loan types: Business
  • Loan securities: collateral, buyback guarantee
  • Loan terms: 3-24 months
  • Bonus: 5 EUR on registration, 0.5% of the invested amount in the first 270 days

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EstateGuru giveaway

EstateGuru

EstateGuru is a peer to peer lending / real estate investment platform that offers short-term property-backed loans from Estonia, Finland, Latvia, Lithuania and Spain.

Key features:

  • Type: P2P Property Lending
  • Launched: 2013
  • Headquarters: Estonia
  • Average return: 12.22%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Loan types: Business, Development, Bridge, Refinancing
  • Loan securities: mortgage
  • Bonus: 0.5% cashback on all investments made in the first 3 months
  • Loan terms: 6-24 months

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fast invest logo

Fast Invest

Fast Invest is a peer to peer lending platform offering loans from multiple European lenders. It started in 2015 in the United Kingdom and it currently has more than 14.000 daily users.

You can invest either manually or create an automatic profile and return rates are around 14%.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2015
  • Headquarters: United Kingdom
  • Average return: 14%
  • Minimum investment: 1 EUR
  • Currencies: EUR, PLN
  • Fees: no
  • Secondary market: no (early exit possible by selling back the loan to Fast Invest and losing the accrued interest)
  • Auto-invest: yes
  • Accepts investors from: EU residents (no UK residents)
  • Loan types: Consumer
  • Loan securities: buyback guarantee
  • Loan terms: 1-12 months

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fellowfinance logo

Fellow Finance

FellowFinance is a p2p lending platform from Finland. It offers consumer loans from Finland, Denmark, Germany, Sweden and Poland. It also offers business loans and invoice financing in Finland.

The loan terms vary from 1 to 10 years for consumer loans and from 14 days to 3 months for invoice finance.

The interest rates available vary based on the selected market. The ones from Germany range from 5% to 8% (based on a rating star from 1 to 5). The ones from Poland range from 32% to 55%.

If the loan payments are more than 90 days late, they have a buyback rate ranging from 30% for Poland consumer loans to 70% for Finland consumer loans.

There’s a secondary market where you can sell your loans for a 1% fee and an auto-invest tool that manages your investment for you.

Key features:

  • Type: P2P Consumer Lending, P2P Business Lending
  • Launched: 2014
  • Headquarters: Finland
  • Regulated by: Finnish Financial Supervision Authority
  • Average return: 10%
  • Minimum investment: 1 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Loan types: Consumer, Business, Invoice Financing
  • Loan securities: no
  • Loan terms: 14 days to 10 years

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finbee logo

Finbee

FinBee is a Lithuanian p2p lending platform offering private or business loans with interest rates range from 14% to 23%.

The loans are from Lithuania or the Czech Republic and are split into 5 risk categories (A*, A..D).

You can choose to sell your investments on the secondary market after the first loan instalment has been paid.

Key features:

  • Type: P2P Consumer Lending, P2P Business Lending
  • Launched: 2015
  • Headquarters: Lithuania
  • Average return: 18%
  • Minimum investment: 5 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Loan types: Consumer, Business
  • Loan securities: no
  • Loan terms: 1-5 years

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fixura

Fixura

Fixura is a p2p lending platform from Finland that launched in 2010. You can invest in p2p loans with an average return rate of 8.3%. There’s only an automatic tool for investing, you can’t handpick the loans you want to invest.

The big minuses the platform has is that the minimum deposit is 1000 EUR. Additionally, when you deposit funds, you’ll pay 2% in some subscription fee. You’ll pay another 0.9% fee when you make an investment in a loan. And you’ll pay another 4 EUR when you make a withdrawal to your account.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2010
  • Headquarters: Finland
  • Average return: 7.9%
  • Minimum investment: 1000 EUR
  • Currencies: EUR
  • Fees: 2% at deposit; 0.9% transaction fee; 4 EUR withdrawal fee
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: no

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flender

Flender

Flender is an Irish p2p lending platform that offers business loans to invest in. The interest rates typically offered are between 8% and 12%. It has more than 6000 investors on the platform with an average return rate of 10.4% and 0.95% default rate on loans so far.

Key features:

  • Type: P2P Business Lending
  • Launched: 2015
  • Headquarters: Ireland
  • Average return: 10.4%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Business
  • Loan securities: collateral
  • Loan terms: 1-3 years
  • Bonus: 5% bonus on all investments made in the first 30 days

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fundingsecure

FundingSecure

FundingSecure is another UK p2p lending platform started in 2012 that lets you invest in asset-backed loans.

The loans offered have a 6-month term and the interest rates range from 10% to 15%, depending on the level of risk associated. The minimum investment in a loan is 25 GBP.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2012
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 12% – 16%
  • Minimum investment: 25 GBP
  • Currencies: GBP
  • Fees: no
  • Secondary market: yes
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Consumer, Property
  • Loan securities: collateral (property, jewelry, cars, art)
  • Loan terms: 1-3 years

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grupeer logo

Grupeer

Grupeer is a peer to peer lending platform from Latvia that offers business loans and real estate development loans. The loans have an average return rate of 14% and all of them have a buyback guaranteed policy.

Key features:

  • Type: P2P Business Lending, P2P Property Lending
  • Launched: 2012
  • Headquarters: Latvia
  • Average return: 11% – 14%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Business, Property
  • Loan securities: collateral, buyback guarantee
  • Loan terms: 1-4 years

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homegrown

Homegrown

Homegrown is a UK property crowdfunding platform that lets you invest in residential and mixed-use property development projects.

When the property is sold, you get a share of the profit, based on the amount you invested in.

Key features:

  • Type: P2P Property Lending
  • Launched: 2015
  • Headquarters: United Kingdom
  • Average return: 13.4%
  • Minimum investment: 500 GBP
  • Currencies: GBP
  • Fees: 5% investing fee; 15% profit fee
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide (no US citizen)
  • Loan types: Property
  • Loan securities: asset-backed securities
  • Loan terms: 18-36 months

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housers

Housers

Housers is a real estate crowdlending platform from Spain. You can invest in development loans, buy to sell properties or buy to rent properties and gain income from rent.

The properties offered on the website are from Spain, Portugal and Italy.

Key features:

  • Type: P2P Property Lending
  • Launched: 2016
  • Headquarters: Spain
  • Average return: 4% – 10%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: 10% fee on the profit made; tax is deducted automatically
  • Secondary market: yes
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Property
  • Loan securities: mortgage
  • Loan terms: 1-5 years
  • Bonus: 50 EUR bonus after the first investment (valid until end of May 2019)

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investly

Investly

Investly is an invoice finance platform from Estonia. You can invest in invoices from SMEs (small and medium enterprises) in the UK and Estonia. The interest rates for the invoices range between 8% and 15%.

Key features:

  • Type: Invoice Trading
  • Launched: 2013
  • Headquarters: Estonia
  • Average return: 8% – 10%
  • Minimum investment: 10 EUR
  • Currencies: EUR, GBP
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: residents of EEA (European Economic Area)
  • Loan types: Invoice Financing
  • Loan securities: no
  • Loan terms: 15-180 days

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iuvo group

Iuvo Group

Iuvo Group is an Estonian p2p lending platform that functions as a marketplace where other loan originators can publish their loans and let investors buy parts of them.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2017
  • Headquarters: Estonia
  • Regulated by: Financial Supervision Commission of Estonia
  • Average return: 8%
  • Minimum investment: 10 EUR, 10 BGN, 25 RON
  • Currencies: BGN, EUR, PLN, RON
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: buyback guarantee
  • Loan terms: 7 days – 2 years

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klear lending

Klear

Klear is a Bulgarian p2p lending platform launched in November 2016. It offers consumer loans to Bulgarian citizens and accepts investments from any person living in the EU.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2016
  • Headquarters: Bulgaria
  • Average return: 5% – 8%
  • Minimum investment: 2 BGN
  • Currencies: BGN
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Loan types: Consumer
  • Loan securities: no

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kuetzal

Kuetzal

Kuetzal is a new crowdlending platform from Estonia offering the possibility to invest in business loans with good interest rates.

Key features:

  • Type: P2P Business Lending
  • Launched: 2018
  • Headquarters: Estonia
  • Average return: 10% – 21%
  • Minimum investment: 100 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Business
  • Loan securities: buyback guarantee
  • Loan terms: 1-4 years
  • Bonus: 0.5% cashback on investments made in the first 180 days

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landlordinvest

LandlordInvest

LandlordInvest is a p2p lending platform where you can invest in loans from landlords based in the UK.

The loans offered are either buy to let mortgages or bridge loans. The interest rates vary from 7% to 20%.

Key features:

  • Type: P2P Property Lending
  • Launched: 2016
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 5% – 12%
  • Minimum investment: 100 GBP
  • Currencies: GBP
  • Fees: no
  • Secondary market: yes
  • Auto-invest: no
  • Accepts investors from: EU residents
  • Loan types: Property
  • Loan securities: mortgage
  • Loan terms: 1-4 years

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lendahand

Lendahand

Lendahand is a special crowdfunding platform from the Netherlands. It offers business loans for small and medium companies from emerging countries at interest rates ranging from 3% to 7%.

The platform is more about the impact you make in the world than about the profit you can make. It believes that by providing fair and transparent support to entrepreneurs in emerging countries it will help to create new jobs and enable people there to improve their access to basic needs.

Key features:

  • Type: P2P Business Lending
  • Launched: 2011
  • Headquarters: Netherlands
  • Average return: 3% – 5%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Business
  • Loan securities: no
  • Loan terms: 6-48 months

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lenndy

Lenndy

Lenndy is a Latvian p2p lending platform that offers loans with interest rates at 12% – 15%. The loan types offered are personal loans, business loans, mortgage loans, invoice financing and secured car loans.

Some of the loans come with a buyback policy, which means the loan originator will buy back the loan if the payments are more than 60 days late.

There is no secondary market, but you can sell your investment back to the platform for a 5% fee.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2016
  • Headquarters: Latvia
  • Average return: 12.8%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: buyback guarantee
  • Bonus: 10 EUR bonus when investing at least 100 EUR

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linkedfinance

LinkedFinance

LinkedFinance is Ireland’s largest p2p lending platform. Since it launched in 2013 if offered loans worth more than 75 million EUR to more than 1800 businesses in Ireland. It offers business loans with interest rates typically ranging from 6% to 17.5%, depending on the risk level (graded from A+ to Y).

Key features:

  • Type: P2P Business Lending
  • Launched: 2016
  • Headquarters: Ireland
  • Average return: 8.5% – 15%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: 1.2% annual service fee
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide (with EU bank account)
  • Loan types: Business
  • Loan securities: no

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lookandfin

Look&Fin

If you’re interested in diversifying your p2p portfolio with business loans from Belgium, Look&Fin is the best choice for you.

Key features:

  • Type: P2P Business Lending
  • Launched: 2016
  • Headquarters: Belgium
  • Average return: 4% – 12%
  • Minimum investment: 100 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide (with EU bank account)
  • Loan types: Business
  • Loan securities: no

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mintos

Mintos

Mintos is the biggest p2p lending marketplace in Latvia. It currently has more than 300.000 loans available on the primary market and a similar number on the secondary market.

Currently, Mintos aggregates loans from 60 lending companies. The loans are from all over the world with interest rates from 5% to 18%. The loans offered are in different currencies: EUR, GBP, USD, PLN, DKK and a few others.

The loan types offered are short-term, personal, car, mortgage loans, business loans, agricultural loans, invoice financing. Most of the loans offered come with a buyback policy, meaning if the borrower is more than 60 days late with the payments, the loan is bought back by the loan originator.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2015
  • Headquarters: Latvia
  • Average return: 11.89%
  • Minimum investment: 10 EUR
  • Currencies: EUR, CZK, RUB, PLN, RON< SEK, etc.
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide (with EU bank account)
  • Loan types: Consumer, Business
  • Loan securities: buyback guarantee
  • Loan terms: 7 days to 10 years
  • Bonus: 1% bonus of the average balance in the first 90 days

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monestro

Monestro

Monestro is a p2p lending marketplace from Estonia offering unsecured consumer loans to its investors with high interest rates.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2016
  • Headquarters: Estonia
  • Average return: average interest 26.5% (not including defaults)
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: residents of EEA (European Economic Area)
  • Loan types: Consumer
  • Loan securities: no
  • Loan terms: 6-24 months

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monethera-logo

Monethera

Monethera is a small p2p business lender from Estonia, offering business loans up to 22% interest rate.

While the platform is new and untried, it’s worth a look due to the high interest rates offered and the fact that all loans come with a buyback guarantee.

Key features:

  • Type: P2P Business Lending
  • Launched: 2019
  • Headquarters: Estonia
  • Average return: 18% – 22%
  • Minimum investment: 1 EUR (100 EUR minimum deposit)
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide (except US, China and blacklisted countries for EU)
  • Loan types: Business, Property, Green Energy
  • Loan securities: buyback guarantee (with a 5% fee)

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neofinance logo

Neo Finance

Neo Finance is a peer to peer lending platform from Lithuania that offers a wide range of loan types: consumer loans, refinancing, house repair, car, health costs, real estate purchases, travel and others.

When investing your money, you can choose to get a lower return and put part of the expected gains in a provision fund. If the loan payments are late, they’ll be paid from that provision fund. Also, Neo Finance will buy back bad loans from you at 50% to 80% rate, depending on the risk level of the loan.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2016
  • Headquarters: Lithuania
  • Average return: 12% – 18%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: 0.29 EUR on withdrawing funds
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: EEA residents
  • Loan types: Consumer
  • Loan securities: provision fund, buyback guarantee
  • Loan terms: 1-60 months
  • Bonus: 25 EUR on registration

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october

October

October is a p2p business lending platform from France. While the defaults rate is very low, the interest rates are not very attractive.

Key features:

  • Type: P2P Business Lending
  • Launched: 2014
  • Headquarters: France
  • Average return: 5.81%
  • Minimum investment: 20 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Business
  • Loan securities: no

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omaraha

Omaraha

Omaraha is an Estonian p2p lending company that offers secured and partially secured (60%) loans from Estonia, Finland and Slovakia. The loans are consumer loans with terms up to 60 months, with rates offered to borrowers between 8% and 50%.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2012
  • Headquarters: Estonia
  • Average return: 14%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: EU resident
  • Loan types: Consumer
  • Loan securities: partial buyback guarantee

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peerberry logo

PeerBerry

PeerBerry is a peer to peer lending marketplace from Latvia launched in November 2017. They offer short-term loans from the Czech Republic, Latvia, Poland, Georgia, Ukraine, Kazakhstan and Moldova. The loans offered are only in EUR and have a usual return between 10-12%. All the loans come with a buyback guarantee, that also covers the accrued interest.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2017
  • Headquarters: Estonia
  • Average return: 12%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Loan types: Consumer
  • Loan securities: buyback guarantee

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pretup

Pretup

Pretup is a French p2p lending platform that offers for investment business loans with an average rate of 8.34%.

Key features:

  • Type: P2P Business Lending
  • Launched: 2015
  • Headquarters: France
  • Average return: average rate of 8.34%
  • Minimum investment: 20 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: EU residents
  • Loan types: Business
  • Loan securities: no
  • Bonus: 15 EUR bonus when investing 200 EUR (with referral code “MCYW7V8Z”)

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profitus

Profitus

Profitus is a real estate crowdfunding platform from Lithuania. It lets you invest in real estate development projects with good interest rates.

Key features:

  • Type: P2P Property Lending
  • Launched: 2018
  • Headquarters: Lithuania
  • Average return: 10.76%
  • Minimum investment: 50 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Property
  • Loan securities: mortgage

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property partner logo

Property Partner

Property Partner is a real-estate crowd investing company based in the UK that buys and rent real estate properties. You buy shares in a property that the platform either already owns or plans to buy. Later, you receive a share of the rental income in the form of a monthly dividend.

You can choose to either invest manually in one of the properties available or choose one of the 3 standard investment plans with expected returns from 6.5% to 8.5% or more.

Key features:

  • Type: Equity-based property crowdfunding
  • Launched: 2014
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 4% – 10%
  • Minimum investment: 1 GBP
  • Currencies: GBP
  • Fees: 2% fee on all investments
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Investment types: Buy-to-sell properties, Rental properties, Development loans

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rendity

Rendity

Rendity is a real-estate crowdfunding platform from Austria that lets you invest in real-estate development loans. Loans are rated on a risk scale and based on that an interest rate is offered.

Key features:

  • Type: P2P Property Lending
  • Launched: 2015
  • Headquarters: Austria
  • Average return: up to 7%
  • Minimum investment: 500 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Property
  • Loan securities: mortgage

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reinvest24

Reinvest24

Reinvest24 is a real estate crowdfunding platform that lets you buy shares of commercial and residential properties from the Baltic countries and receive a rental income. Net rental yields on the properties funded so far range from 6% to 15% per year.

Key features:

  • Type: Equity-based Property Crowdfunding
  • Launched: 2018
  • Headquarters: Estonia
  • Average return: up to 15%
  • Minimum investment: 100 EUR
  • Currencies: EUR
  • Fees: 2% investment fee
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Investment types: Buy-to sell, Buy-to-let, Development Loans
  • Loan securities: mortgage

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robocash

Robocash

Robo.cash is a peer-to-peer lending platform based in Croatia that offers short-term consumer loans to its investors.

The loans currently available come with a 12% interest rate and all have a buyback guarantee. The buyback guarantee means if a loan is late by 30 days, Robo.cash buys back the loan from the investors and also pays the interest owed for the late period.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2017
  • Headquarters: Croatia
  • Average return: 12%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes (you cannot invest manually)
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: buyback guarantee

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rontgen

Rontgen

Röntgen is a crowd investing platform where retail investors can invest in premium real estate projects.

Key features:

  • Type: P2P Property Lending
  • Launched: 2017
  • Headquarters: Lithuania
  • Average return: 7% – 12%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: EU residents
  • Loan types: Property
  • Loan securities: mortgage

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savy

Savy

Savy is a p2p lending platform from Lithuania that links directly borrowers to loan investors. The currently available interest rates range between 12% and 55%, depending on the risk grade. Savy splits the loans into 5 risk categories, from A to E. The risk of default for loans ranked A is lower than 1.62%, the risk for class E loans is between 27.2% and 100%.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2014
  • Headquarters: Lithuania
  • Average return: 24.16%
  • Minimum investment: 5 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: no

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swaper

Swaper

Swaper is a Latvian p2p lending marketplace offering short-term consumer loans to its investors with a 12% interest rate.

The loans offered on the platform are pre-funded unsecured consumer loans from its parent company (Wandoo Finance Group). They all come with a buyback guarantee. For short-term loans, the buyback guarantee kicks in after 30 days, and for long-term ones, after 60 days. The buyback includes also the accrued interest for the late period.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2016
  • Headquarters: Latvia
  • Average return: 12.6%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: buyback guarantee
  • Bonus: 2% extra income when you invest more than 5000 EUR

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tessin

Tessin

Tessin is a real estate crowdfunding platform from Sweden. You can either invest in development projects or buy shares in rental properties.

The minimum investment depends on the project and it’s usually a bit high (at least 20.000 SEK ~ 2000 EUR).

Key features:

  • Type: P2P Property Lending, Equity-based Property Crowdfunding
  • Launched: 2014
  • Headquarters: Sweden
  • Average return: 7-12%
  • Minimum investment: 20.000 SEK
  • Currencies: SEK
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Property
  • Loan securities: mortgage

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tfgcrowd

TFG crowd

TFG Crowd is one of the newest p2p lending marketplaces from Europe. Registered in Estonia, it has offices in Tallinn, Riga, London and Berlin.

The project domains include real estate, restaurants, cosmetics, pharmaceuticals, logistics.

Key features:

  • Type: P2P Business Lending
  • Launched: 2019
  • Headquarters: Estonia
  • Average return: 5-17%
  • Minimum investment: 100 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: Worldwide
  • Loan types: Business
  • Loan securities: buyback guarantee

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thehousecrowd

TheHouseCrowd

TheHouseCrowd is a real estate crowdfunding platform from the UK that lets you invest either in loans or in buy-to-let properties.

Key features:

  • Type: P2P Property Lending, Equity-based Property Crowdfunding
  • Launched: 2012
  • Headquarters: United Kingdom
  • Regulated by: FCA
  • Average return: 5.5% – 10%
  • Minimum investment: 1000 GBP
  • Currencies: GBP
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Property
  • Loan securities: mortgage

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twino logo

Twino

Twino is a Latvian-based peer-to-peer lending marketplace that started in 2009 and focuses on unsecured consumer loans. It offers loans from Poland, Georgia, Denmark, Russia, Kazakhstan, Georgia and Spain.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2009
  • Headquarters: Latvia
  • Average return: 8% – 12%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: buyback guarantee

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unilend

Unilend

Unilend is one of the biggest p2p business lending platforms from France with more than 15.000 active investors

Key features:

  • Type: P2P Business Lending
  • Launched: 2013
  • Headquarters: France
  • Average return: 5% – 10%
  • Minimum investment: 20 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: no
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Business
  • Loan securities: no

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ViaInvest

ViaInvest

ViaInvest is a Latvian p2p lending platform that offers consumer loans from Europe at around 11% interest rate.

The loan types offered are short-term loans, instalment loans and credit lines. Most of the loans come with a buyback guarantee, which means the loans are repurchased by the loan originator if the payments are late for 30 days.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2016
  • Headquarters: Latvia
  • Average return: 9% – 11%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer
  • Loan securities: buyback guarantee

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viventor

Viventor

Viventor is a p2p lending platform from Latvia that offers pre-funded loans from European loan originators.

The amount of loans available is decent, and currently, there are 600 available loans on the primary market and around 4000 on the secondary market.

The interest rates range from 8% to 15% and most of the loans come with a buyback guarantee or payment guaranteed policy.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2015
  • Headquarters: Latvia
  • Average return: 10% – 14%
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: Worldwide
  • Loan types: Consumer Loans, Business Loans, Invoice Financing, Mortgage-backed Loans, Line of credit, Pawnbroking Loans
  • Loan securities: buyback guarantee

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zltymelon

ZltyMelon

ZltyMelon (yellow melon) is a p2p lending platform from Slovakia that was launched in 2012. It offers consumer loans from Slovakia and the Czech Republic with interest rates between 7% and 40%.

If you don’t want to invest manually in loan auctions or buy loans on the secondary market, you can also use the automatic investment tool on the website.

Key features:

  • Type: P2P Consumer Lending
  • Launched: 2012
  • Headquarters: Slovakia
  • Average return: 10% (average after including defaults)
  • Minimum investment: 10 EUR
  • Currencies: EUR
  • Fees: no
  • Secondary market: yes
  • Auto-invest: yes
  • Accepts investors from: EU residents
  • Loan types: Consumer
  • Loan securities: no/li>

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2 Comments

Jorge · July 24, 2019 at 7:22 pm

Why is there no Nordstreet and EvoEstate?

    Daniel · July 25, 2019 at 11:36 am

    Good idea.

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