There are many European p2p lending platforms that let investors gain good interest rates for their money. Some of the ones I like the most are on this list.

While p2p lending involves by default a certain risk (like borrower default), different platforms come with different risk profiles.

Based on how the loan is given to the borrower, we can split the platforms in 2 groups:

  • loan originators – borrowers apply on these platforms for loans and investors are funding them
  • marketplaces – platforms where multiple loan originators come and publish their loan portfolio and wait for investors to fund them

Based on the types of loans these platforms offer, they can be split in 3 main categories:

  • focused on consumer loans – offering loans to private persons for different reasons
  • offering business loans – funding businesses operations and expansions
  • focused on real estate development loans

Many platforms are a mix of these 3: Mintos and Viventor offer both consumer and business loans, Crowdestate and Grupeer offer both business and property loans.

How are investors protected

Some p2p lending platforms offer investor protection with policies like buyback guarantees of payment guarantees. This means that if the loan defaults or the payments are late by a number of days, the p2p lending platform will either give your money back or cover the missed payments until the borrower restarts paying his loan again.

Other offer loans backed by assets: real estate, company assets, etc. In case of default, the p2p lending platform handles the debt collection procedure and at least part of the funds will return to the investor.

Other platforms offer unsecured loans with better interest rates to the investors, 20% or more, and advise investors to diversify their investment portfolio into multiple loans. With enough diversification, even if a few loans default, you should still make a profit.

P2p lending platforms are also regulated by financial authorities. They need to implement specific rules like keeping investors funds separated from the company assets and ensuring that in the case of bankruptcy the loans will be taken over by an administrator.

Top 10 European p2p lending platforms

There are many European platforms that provide peer to peer loans to everyday investors. Some of the ones I like and I’m currently invested in are below (in alphabetical order).


Mintos is the biggest p2p European lending platform. It has hundreds of thousands of loans on its platform for you to choose from. More than 2 billion EUR worth of loans were funded on the platform so far.

Mintos acts as a marketplace where loan originators (other lending companies) offer their pre-funded loans to investors. Each loan originator has its own Mintos rating, based on their financial stability and history.

mintos how it works. Mintos, a european p2p lending platform

How the Mintos marketplace works.

The loans offered have interest rates around 10-16% and most come with a buyback guarantee policy for loans that are 30 or 60 days late.

If you’re just starting p2p investing, Mintos is the usual first platform to go to. You can read more about them here.


Grupeer is a Latvian p2p business lending company that has real-estate development loans along with more generic business loans.

Since it started in 2017, Grupeer managed to finance loans of around 50 million EUR. It currently has more than 12.000 investors on its platform, coming from 80 countries.

They launched their platform in 2017 and they accept investors from all over the world (so they say). The interest rates offered range between 11% and 14% and the minimum investment is 10 EUR.

All loans have a buyback guarantee, meaning the loan originator will buy back any loan from you that is late with the interest payments for more than 60 days.

Grupeer acts as a marketplace where other lending companies publish their loans and let investors invest in them. The 15 loan originators on the platform are lending companies across Europe that offer loans to either people or businesses. The loans published on Grupeer are already pre-funded, so the investors earn interest from the first day they invest money into a loan.

The main pain point when investing in Grupeer is that they don’t have a secondary market and you can’t exit your investment before the loan matures.

I’ve started investing in Grupeer loans at the end of 2018. So far, my annual returns are at 13.5%. You can read more about Grupeer and view details about my portfolio in my review here. You can also visit directly their website.


Envestio is a p2p business lending platform based in Estonia. It offers investing opportunities from a wide range of industry sectors. The investments offered have a yearly interest rate between 15% and 22%.

Besides the good interest rates, Envestio also offer a buyback guarantee on its projects. This means that in case of default, investors receive instantly 80% of their invested funds. For the rest of 20%, they can either wait for the debt collection procedure to finalize and receive their full amount, or get half of the sum instantly.

Envestio doesn’t have a secondary market, but lets you sell your investment back to them for a 5% fee.

I’ve been investing in Envestio loans since the end of last year, and so far all the payments have come in time. Some of the projects already matured and I’ve received my investment back.

What I currently don’t like about Envestio is that the number of available loans is relatively small, and they all get funded quickly. Quick enough that most of the time I don’t get the chance to invest in any of them. But this is a passing phase, and it’s a side effect of their large success.


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

They launched their website in 2013 and they only accept investors from the EEA or Switzerland. The minimum investment is 50 EUR, and the average annual returns are around 11%.

The projects offered are relatively safe. They’re all backed by real estate property and the LTV (loan-to-value) ratio has an average of 58%.

I like that they’re transparent and publish annually their financial statements. They also publish regular updates about their future plans and projects.

The main pain when investing in EstateGuru is they don’t have a secondary market. Although they did say it should be available this July (2019).

If you want to open an account with them and use my referral link (in fact, any referral link), they’ll offer you a 0.5% bonus for all investments done in the first 3 months. You can read more about them in this review.


Crowdestate is a real estate crowdfunding platform based in Estonia that launched its website in 2014.

You can invest in the real estate market through credit loans or invest in business loans and mortgage-backed loans.

All real estate development projects offered on the platform are ended with the sale of the property. Some of the projects might close earlier than the expected term, if specific conditions are met, like “a 30% increase in the value of the property”.

The minimum investment in a project is 100 EUR, and they accept investors from all over the world (except the US). The loan terms are between 6 months and 3 years, and the average annual returns for investors are around 18%.

Things I like about Crowdestate

  • they have a very liquid secondary market
  • they offer a constant flow of projects
  • you have an auto-invest tool
  • they’re very transparent and publish annually their financial reports

Of course, they also have negative sides. You can read more about them in my review. Or you can just visit their website and have a look at it.

Fast Invest

Fast Invest is a UK p2p lending platform that offers consumer loans in EUR and PLN at around 13% interest rate. It also has a buyback policy that states that they will buy back the loan from you if it’s more than 3 days late.

Fast Invest doesn’t have a secondary market, but in case you need your funds fast you can sell your investment back to them. The only disadvantage to this is that you lose all the interest received on the loans you’re selling ahead of time.

If you’re interested in Fast Invest, you can read more about them here.

Neo Finance

Neo Finance is a Lithuanian company that offers all sorts of loan types: consumer loans, house repairs, real estate purchases, refinancing loans, etc. The returns for investors are around 14%.

Neofinance has a slightly different buyback policy than other platforms. If the loan is late or it defaults, it will buy it from you at around 50-80% of its value. The rebuy per cent depends on the risk profile of the loan. Neofinance does have however a concept named “Provision fund”, where you can automatically put a certain per cent of your potential profits. If the loan payments are late, the payments you are owed will be covered from that Provision fund.

What makes Neofinance special is that it operates under an unlimited e-money institution. This means you have your own EUR IBAN account in a Lithuanian bank when you open an account with them. You can use that account for all sorts of stuff unrelated to Neofinance loans. You can make payments, deposits, withdrawals from other accounts, etc. This also means that if Neofinance goes bankrupt for some reason, your money is safe in a bank.

If you want to learn more about Neo Finance, you can read my review here.


Viventor launched their platform in 2015 and they offer consumer loans, business loans, invoice financing or loans secured by real-estate, issued by 3rd party loan originators across Europe.

All loans are in EUR currency, and the loan term ranges from 1 month to 5 years.

The interest rates range from 6% to 15% and most of the loans come with a buyback guarantee or payment guaranteed policy.

Learn more about Viventor here.


PeerBerry is a p2p lending platform that is only 2 years old. It offers short-term loans at about 10-13% interest rate. It also has a buyback guaranteed policy so if the loan payments are more than 60 days late PeerBerry will buy back from you the loan and pay you the interest owed.

There are a few things I don’t like about PeerBerry, like the fact that it doesn’t have a secondary market or any other way to sell your investments before loan maturity. This is not really an issue if you only invest in short-term loans.

Read more about PeerBerry here.


Robocash 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, buys back the loan from the investors and also pays the interest owed for the late period.

The nice thing about Robocash is that it requires zero maintenance from you. You just fund your account, set up an auto-invest profile, and everything else is taken care of. You don’t even have the option to invest manually in a loan.

If you’re interested in Robocash, read more about them here.

TFG Crowd

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

The minimum investment is 100 EUR and the usual loans come with an interest rate of 15% – 17%. All loans are covered by a buyback guarantee. This means that if the loan payments are late by more than 30 days, TFG Crowd will buy back the loan from the investors and also pay the accrued interest.

As a downside, TFG Crowd doesn’t have a secondary market, so it’s impossible to sell your investment before the loan matures. Typical loan terms are up to 2 years, so it’s a long time to lock your funds.

You can read more about TFG Crowd in this review.


Monethera is another new player in p2p business lending town. It offers loans with interest rates up to 22%, all covered by a buyback guarantee. The minimum investment in each loan is 100 EUR.

You don’t have a secondary market, but you can sell your investment back to Monethera for a 5% fee. It’s less than ideal, but at least you have a way for exit.

In case of borrower default, Monethera pays investors immediately 80% of the invested principal. For the remaining 20%, they can either wait for the debt collection process to finalize (which might take more than a year) and receive the full amount, or take half of it immediately and forget the remaining 10% of the loan.

If you’re interested to learn more about Monethera, you can find more details here.


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

The interest rates range from 10% to 21% and the loan terms range from 1 to 4 years. What makes Kuetzal appealing is the fact that it offers these business loans under a buyback guarantee, which means in case of default the projects will be bought back by Kuetzal from investors.

Kuetzal doesn’t have a secondary market, although this missing feature is endemic to most of the business crowdlending platforms from Europe.

You can read more about Kuetzal here.


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 9 million EUR in loans and generated for their 6000+ investors an average return of 10.4%.

The loan amounts range from 15.000 EUR to 150.000 EUR and the loan terms are up to 3 years.

The minimum investment in a loan is 50 EUR, and the loans don’t come with a buyback guarantee. There’s also no secondary market, so you can’t exit your investment before the loan matures.

Flender is a good option if you want to diversify your portfolio by investing in Irish businesses. You also receive a 5% cashback bonus on all investments made in the first 30 days, when you use a referral link (like this one).

If you want to learn more about Flender, you can read my review here.

Assetz Capital

Assetz Capital is a crowd investing platform from the UK that lets investors earn interest by investing in secured business loans. 

There’s no minimum investment and while the loans are not covered by a buyback guarantee, most of the investment options available are covered by a provision fund.

Assetz Capital is one of the safest p2p business lending platforms to invest in the UK. The downside is that the interest rates in the UK are a lot smaller than the ones in the Baltics.

The manual investments offer an average return for its investors of around 8% per year. The currently available interest rates are between 4.5% and 11.9%, so the 8% return assumes a diversified portfolio and also takes into account the defaults.

The automatic investment setups offer a cap to 6.25% on the annual return. Lower than the manual investment options, although for now, I prefer the auto-invest funds.

You can read more about Assetz Capital here.

Debitum Network

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

The average interest rate for the loans available is 10%, and the minimum amount to invest in a loan is 10 EUR.

All loans available are secured with some assets and most of them come with a buyback guarantee. Depending on the loan originator, some of the loans are bought back while paying back the principal and accrued interest, while others only pay back the principal.

The main downside when investing in Debitum Network is the lack of a secondary market. Your funds are stuck on the platform until the loan matures or defaults.

One other downside is that the interest rates currently offered, at around 10%, are a lot smaller than what most of the Baltics platforms offer right now.

Read more about Debitum Network here.


Do you want to invest in real estate, energy, transport and startup projects from as little as 50 EUR with 15% annual return rates?

Crowdestor is the answer. This little real estate crowdfunding platform based in Estonia publishes on its website secured loans with interest rates that vary from 12% to 36%.

It used to be one of the higher risk platform in the Baltics, with high interest rates and no buyback guarantee. They recently added a buyback guarantee fund that intends to cover at least partially any future defaults.

You can read more about Crowdestor here.


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.

They mostly invest in renovation projects around Riga, and the projects are usually small and get funded quickly. It’s one of the best property lending platforms to invest in the Baltics, but it doesn’t have an auto-invest and you need to be online at the exact hour a certain project starts funding in order to get a piece of the pie.

The minimum investment is 50 EUR, and the usual projects have a return ranging from 12% to 17%.

If you want to learn more about them, you can read my review here.


doFinance is a p2p lending platform offering consumer loans with interest rates ranging from 5% to 11%. All loans are covered by a buyback guarantee and the minimum investment is 10 EUR.

At 11% interest rate, is a bit hard to invest right now in doFinance, while other Baltics platforms offer 12% to 15% rates for similar products.

In any case, it’s a good platform to consider when diversifying your portfolio. You can read more about them here.


Similar to doFinance, ViaInvest is another Baltics p2p lending platform that offers loans with an 11% interest rate. All loans are covered with a buyback guarantee and the minimum investment is 10 EUR.

Again, while it’s a good platform to invest in, the current interest rates are not competitive with the offers from other similar platforms.

They do offer a bonus of 10 EUR when you invest at least 50 EUR, so that might boost up a bit your initial returns. You can use my referral link to get the bonus. If you want to learn more about them, you can read my review here.


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