Are you wondering which P2P platforms you want to invest in P2P loans on? Or are you looking for new platforms? Then you are in the right place.
We have graded and ranked several p2p platforms with each other.
In this article, we present you the best platforms:
The big platform review: 17 P2P platforms at a glance
We rated the platforms according to three criteria that, we believe, are essential for a good platform:
Security
Interest & Risk
Iunctions
If you want to know exactly how the criteria and points are made up, then you can read this here.
Now we come to the platforms, let's start with the first place.
#1 Mintos
Regulated and experienced platform with investor protection
Comparatively, high Ø interest rates of 12.32%
Free investing with automatic investment feature, 🛡️ buyback guarantee and 💶 secondary market
Mintos ranks #1 with 4.26 out of 5 stars, the current winner.
#2 NEO Finance
Regulated and experienced platform
Comparatively, high Ø interest rates of 14.83%
Free investing with automatic investment feature, 🛡️ buyback guarantee and 💶 secondary market
NEO Finance ranks #2 with 4.24 out of 5 stars, just behind Mintos.
#3 Bondora
Regulated and experienced platform
Invest for free with automatic investment function, 🛡️ buyback guarantee and 💶 secondary market
Comparatively, lower Ø interest rates of 9.00%
Bondora ranks #3 just behind Mintos and NEO Finance, with 4.2 out of 5 stars.
#4 Twino
Regulated and experienced platform with investor protection
Invest for free with automatic investment feature and 💶 secondary market
Comparatively, lower Ø interest rates of 10.00%
Without 🛡️ buyback guarantee
Twino scores 3.9 out of 5 stars.
#5 iuvo
Regulated and experienced platform
Invest for free with automatic investment function, 🛡️ buyback guarantee and 💶 secondary market
Comparatively, lower Ø interest rates of 9.20%
Iuvo scores 3.8 out of 5 stars.
#6 viainvest
Regulated and experienced platform with investor protection
Comparatively, high Ø interest rates of 13%
Free investing with automatic investment function and 🛡️ buyback guarantee
No 💶 secondary market
Viainvest scores 3.7 out of 5 stars.
#7 Profitus
Regulated platform
Invest for free with automatic investment function and 💶 secondary market
Comparatively lower Ø interest rates of 9.84%
Without 🛡️ buyback guarantee
Profitus scores 3.3 out of 5 stars.
#8 Swaper
Experienced platform
Comparatively, slightly higher Ø interest rates of 12%
Invest for free with automatic investment feature and 🛡️ buyback guarantee
Not regulated
No 💶 secondary market
Swaper scores 3.2 out of 5 stars.
#9 Robocash
Experienced platform
Comparatively, high Ø interest rates of 14.30%
Free investing with automatic investment feature, 🛡️ buyback guarantee and 💶 secondary market
Not regulated
Robocash scores 3.2 out of 5 stars.
#10 Lendermarket
Experienced platform
Comparatively, high Ø interest rates of 14.10%
Free investing with automatic investment feature and 🛡️ buyback guarantee
Not regulated
Without 💶 secondary market
Lendermarket scores 3.2 out of 5 stars.
#11 PeerBerry
Experienced platform
Ø interest rates of c. 11%
Free investing with automatic investment feature and buyback guarantee
Not regulated
Without 💶 secondary market
PeerBerry scores 3.2 out of 5 stars.
#12 Bondster
Experienced platform
Comparatively, high Ø interest rates of 13.70%
Free investing with automatic investment feature, 🛡️ buyback guarantee and 💶 secondary market
Not regulated
Bondster scores 3.2 out of 5 stars.
#13 EstateGuru
Experienced platform
Ø interest rates of c. 11%
Invest for free with automatic investment feature and 💶 secondary market
Not regulated
Without 🛡️ buyback guarantee
EstateGuru scores 3.2 out of 5 stars.
#14 Esketit
Comparatively, high Ø interest rates of 13.34%
Invest for free with automatic investment function, 🛡️ buyback guarantee and 💶 secondary market
Not regulated, less experienced platform
Esketit scores 2.7 out of 5 stars.
#15 Reinvest24
Comparatively, high Ø interest rates 16.89%
Invest for free with 💶 secondary market
Not regulated, less experienced platform
Without 🛡️ buyback guarantee
Reinvest24 scores 2.6 out of 5 stars.
#16 Rendity
Experienced platform
Not regulated
Comparatively, low Ø interest rates of 6.30%
Without 🛡️ buyback guarantee and 💶 secondary market
Rendity does not receive a recommendation from us, with 2.2 out of 5 stars.
#17 Nibble
Comparatively, slightly higher Ø interest rates of 12%
Invest for free with automatic investment feature and 🛡️ buyback guarantee
Not regulated, less experienced platform
No 💶 secondary market
Nibble does not receive a recommendation from us, with 1.8 out of 5 stars.
How did we rate?
We rated the platforms on three criteria: safety, interest & risk, and features.
The best platform offers high safety, the highest interest rates with calculable risks, and at the same time all the useful features we want to see in a platform.
40% Security
Regulated: 5 points, otherwise 0 points
Financed loans: 5 points for ≥ 500 million, 4 points for ≥ 300 million, 3 points for ≥ 100 million, 2 points for ≥ 50 million, 1 point below 50 million.
40% Interest & Risk
Ø interest rates: 5 points for highest interest rates, 4.9 - 1.1 points depending on value, 1 point for lowest interest rates (relative rating)
Warning signals (red flags): 5 points if at 0 warning signals, 1 point deduction per warning signal.
20% Features
Auto Invest: 5 points if available, 0 if not
Buyback Guarantee: 5 points if available, 0 if not
Secondary market: 5 points if available, 0 if not
Tax Report: 5 points if available, 0 if not
App: 5 points if available, 0 if not
Other considerations
When choosing the right platform, it's not just the return that matters. But also the safety, interest rates, risks and availability of features.
We looked at and evaluated all of these points for a P2P platform.
Successful investing in P2P loans means spreading your investment amount across multiple loans via the best platforms, and you can do that easily with our ranking.