P2P lending platforms

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

Abundance Investments

If saving the planet is part of your priorities, Abundance Investment helps you do this and also gives you a nice profit.

United Kingdom
Green Energy, Social Housing
Launched

2012

Min investment

50£

Investors

6000

Loans funded

101 million £

Avg. returns

7%

Investors from

UK, EEA and Switzerland

Assetz Capital

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

United Kingdom
Property-Backed and Business Loans
Launched

2013

Min investment

Investors

Loans funded

Avg. returns

4% - 13%

Investors from

Global

Bonus5€ registration bonus

Bondora

Bondora is a big automatic p2p investment tool where you set the level of risk you want to take, fund your account and let it run.

Estonia
Consumer Loans
Launched

2009

Min investment

1€

Investors

126,000

Loans funded

373 million €

Avg. returns

10%

Investors from

Global

Bonus1% bonus on all investments made in the first 90 days

Bondster

Bondster is a p2p lending marketplace from the Czech Republic, offering 13% returns to its investors. It acts as an intermediary between lending companies (loan originators) and investors.

Czech Republic
Consumer Loans
Launched

2017

Min investment

5€

Investors

9300

Loans funded

43 million €

Avg. returns

13%

Investors from

EU

Brickowner

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

United Kingdom
Development Loans
Launched

2018

Min investment

100£

Investors

2000

Loans funded

11 million £

Avg. returns

7% - 12%

Investors from

Global, no US

Bulkestate

Bulkestate is one of the newer players on the real estate crowdfunding landscape in the Baltics. It offers investors loans secured by real estate mortgage with a period of 12 to 24 months.

Latvia
Property-Backed Loans
Launched

2016

Min investment

50€

Investors

?

Loans funded

?

Avg. returns

13%

Investors from

Global

Coinloan

CoinLoan is the first P2P lending platform for cryptoassets backed loans. Borrowers get money without selling cryptoassets. Investors offer loans and earn competitive returns. Overcollateralization ensures full repayment on time.

Estonia
Crypto-backed consumer loans
Launched

2018

Min investment

100€

Investors

?

Loans funded

?

Avg. returns

10%

Investors from

EEA

Crowdestate

Crowdestate is a real estate crowdfunding platform based in Estonia. You can either finance or get funding for a real estate development project.

Estonia
Property-Backed Loans
Launched

2014

Min investment

100€

Investors

42,000

Loans funded

87 million €

Avg. returns

12%

Investors from

Global, no US

Crowdestor

Crowdestor is one interesting p2p business lending platform where you can invest in real estate, energy, transport and startup projects from as little as 50 EUR with 15+% annual return rates.

Latvia
Business Loans
Launched

2018

Min investment

50€

Investors

10,000

Loans funded

25 million €

Avg. returns

15%

Investors from

EEA

Debitum Network

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

Latvia
Business Loans, Invoice Financing
Launched

2018

Min investment

10€

Investors

4,700

Loans funded

18 million €

Avg. returns

10%

Investors from

Europe, Asia

Bonus0.5% bonus on all investments made in the first 90 days

EstateGuru

EstateGuru is a p2p lending/real estate investment platform that offers short-term property-backed loans from Estonia, Finland, Latvia, Lithuania, Spain and UK.

Estonia
Property-Backed Loans
Launched

2014

Min investment

50€

Investors

49,000

Loans funded

206 million €

Avg. returns

10%

Investors from

Global

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.

Finland
Consumer and business loans
Launched

2014

Min investment

1€

Investors

16,000

Loans funded

630 million €

Avg. returns

10%

Investors from

EU

FinBee

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

Lithuania
Consumer Loans, Business loans
Launched

2015

Min investment

5€

Investors

15,000

Loans funded

30 million €

Avg. returns

14%

Investors from

EEA

Bonus5% bonus on all investments made in the first 30 days

Flender

Flender is a p2p lending platform that offers loans for Irish small and medium enterprises. Since they started in 2015, they’ve raised more than 22 million EUR in loans and generated for their 5000+ investors an average return of 9.9%.

Ireland
Business Loans
Launched

2015

Min investment

50€

Investors

5300

Loans funded

22 million €

Avg. returns

10%

Investors from

Global, no US

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.

Spain
Property-backed loans, Green energy
Launched

2015

Min investment

50€

Investors

>100,000

Loans funded

108 million €

Avg. returns

Investors from

Global, no US

Iban Wallet

Iban Wallet is an online investment platform which allows users to invest in different accounts with different interest rates and terms by offering a hassle-free, passive management experience.

Spain
Managed Fund
Launched

2018

Min investment

1€

Investors

?

Loans funded

?

Avg. returns

3% - 6%

Investors from

EU

Investly

Investly is one of the few European p2p lending platforms that deal only with invoice financing.

Estonia
Invoice Financing
Launched

2015

Min investment

10€

Investors

3,000

Loans funded

40 million €

Avg. returns

10%

Investors from

EEA

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.

Estonia
Consumer Loans
Launched

2016

Min investment

10€

Investors

19,000

Loans funded

118 million €

Avg. returns

9%

Investors from

Global

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.

Bulgaria
Consumer Loans
Launched

2016

Min investment

10€

Investors

Loans funded

7 million €

Avg. returns

8%

Investors from

EU

Bonus20€ bonus after investing 100€; 1% loyalty bonus on investments over 1000€

Kviku Finance

Kviku Finance is part of Kviku Group of online lending companies with operations in Russia, Kazakhstan, Ukraine, Spain, Poland and Philippines.

Cyprus
Consumer Loans
Launched

2020

Min investment

10€

Investors

Loans funded

Avg. returns

12%

Investors from

EU

Bonus25€ discount with code DRAT-QXAX-AX27 used at registration

Lendahand

Lendahand is using impact investing as a way to eradicate poverty. By enabling SMEs to be the drivers of their local economies, it's creating a sustainable solution that goes beyond charitable giving.

Netherlands
Business Loans
Launched

2012

Min investment

50€

Investors

7000

Loans funded

80 million €

Avg. returns

5%

Investors from

Global

Bonus1% bonus on all investments made in the first 60 days

Lendermarket

Lendermarket is a P2P investment platform, where we connect investors to loans issued by our partner Creditstar Group - one of Europe’s leading digital consumer finance companies

Ireland
Consumer Loans
Launched

2019

Min investment

10€

Investors

Loans funded

Avg. returns

14%

Investors from

Global

Bonus10€ bonus on registration

Lenndy

Lenndy offers the option to invest in business or personal loans with interest ranging from 11%-15% per year. Most of the loans are secured by a buyback guarantee.

Latvia
Consumer Loans
Launched

2016

Min investment

10€

Investors

7000

Loans funded

Avg. returns

12%

Investors from

EEA

LinkedFinance

LinkedFinance is Ireland’s largest p2p lending platform. It offers business loans with interest rates typically ranging from 6% to 17.5%, depending on the risk level (graded from A+ to Y).

Ireland
Business Loans
Launched

2013

Min investment

50€

Investors

25,000

Loans funded

135 million €

Avg. returns

8.5% – 15%

Investors from

EU

Bonus0.5% bonus on all investments made in the first 90 days

Mintos

Invest in loans and start earning passive income. Connect with thousands of opportunities around the globe on our marketplace.

Latvia
Consumer Loans
Launched

2015

Min investment

10€

Investors

300,000

Loans funded

5.2 billion €

Avg. returns

12%

Investors from

Global, no US/UK

Moncera

Moncera is a new p2p lending platform created by Placet Group, a company with more than 15 years of experience in the consumer loans market.

Estonia
Consumer Loans
Launched

2020

Min investment

10€

Investors

1,500

Loans funded

Avg. returns

Investors from

Bonus1% bonus on all investments made in the first 90 days

Neo Finance

Neo Finance is the leading p2p consumer lending platform in Lithuania. While not very popular, it’s the most transparent and safest platform in the Baltics.

Lithuania
Consumer Loans
Launched

2015

Min investment

10€

Investors

11,000

Loans funded

51 million €

Avg. returns

10%

Investors from

EEA

Nibble

Nibble is a recently launched p2p consumer lending platform under its parent company, IT Smart Finance Group.

Spain
Consumer Loans
Launched

2020

Min investment

10€

Investors

Loans funded

200,000 EUR

Avg. returns

12%

Investors from

Global

Bonus0.5% – 1% loyalty bonus when investing more than 10.000 EUR

PeerBerry

PeerBerry is a new peer to peer lending platform that has its first birthday in October 2018. They offer EUR short-term loans at a usual return between 10-12%.

Latvia
Consumer Loans
Launched

2017

Min investment

10€

Investors

20,000

Loans funded

230 million €

Avg. returns

12%

Investors from

EEA

Profitus

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

Lithuania
Property-Backed Loans
Launched

2018

Min investment

100€

Investors

Loans funded

13 million €

Avg. returns

10%

Investors from

Global

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.

Austria
Property-Backed Loans
Launched

2015

Min investment

500€

Investors

3200

Loans funded

35 million €

Avg. returns

7%

Investors from

Global

Robo.cash

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

Croatia
Consumer Loans
Launched

2017

Min investment

10€

Investors

?

Loans funded

138 million €

Avg. returns

12%

Investors from

Europe

Savy

Savy is a p2p lending platform from Lithuania that links directly borrowers to loan investors. 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%.

Lithuania
Consumer loans
Launched

2014

Min investment

5€

Investors

27,000

Loans funded

419 million €

Avg. returns

20%

Investors from

Global

Bonus2% loyalty bonus when investing more than 5000 EUR

Swaper

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

Latvia
Consumer Loans
Launched

2016

Min investment

10€

Investors

?

Loans funded

150 million €

Avg. returns

12%

Investors from

EEA

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).

Sweden
Property-backed loans
Launched

2012

Min investment

20.000 SEK

Investors

52,000

Loans funded

215 million €

Avg. returns

8%

Investors from

Global

TFG Crowd

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

Estonia
Business Loans, Invoice Financing
Launched

2019

Min investment

100€

Investors

?

Loans funded

7 million €

Avg. returns

17%

Investors from

EEZ

Bonus10€ discount on your first investment

Trine

Trine is a small crowdlending platform from Sweden, founded in 2015. It finances only companies that sell, distribute or install solar-powered systems. Its declared goal is to help bring electricity to more than 1 billion people that currently lack access to it.

Sweden
Green Energy
Launched

2015

Min investment

25€

Investors

10,000

Loans funded

33 million €

Avg. returns

7%

Investors from

EEA

Twino

Twino lets you invest in unsecured consumer loans from Poland, Georgia, Denmark, Russia, Kazakhstan, Georgia and Spain.

Latvia
Consumer Loans
Launched

2009

Min investment

10€

Investors

18,000

Loans funded

600 million €

Avg. returns

10%

Investors from

Global

Bonus15€ bonus after the first 50€ investment

ViaInvest

ViaInvest is the offspring of VIA SMS Group and the loans issued on the platform are coming from lenders belonging to the same group.

Latvia
Consumer Loans
Launched

2016

Min investment

10€

Investors

10,000

Loans funded

?

Avg. returns

11%

Investors from

EEA

Viventor

Viventor is a Latvian marketplace lender offering highly attractive returns to its p2p investors. Since I started investing, my annual return has been 14%

Latvia
Consumer Loans
Launched

2015

Min investment

10€

Investors

7700

Loans funded

132 million €

Avg. returns

14%

Investors from

Global, no US

Zlty Melon

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%.

Slovakia
Consumer Loans
Launched

2012

Min investment

10€

Investors

Loans funded

16 million €

Avg. returns

10%

Investors from

EU