Best Peer to Peer Lending Platforms

Best Peer to Peer Lending Platforms (graded and ranked)

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

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.

Invest on Mintos now

#2 NEO Finance

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.

€10 bonus on NEO Finance

#3 Bondora

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.

€5 bonus on Bondora

#4 Twino

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.

€20 bonus on Twino

#5 iuvo

iuvo group

  • 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.

Invest now on iuvo

#6 viainvest

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.

invest now on viainvest

#7 Profitus

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.

Invest now on Profitus

#8 Swaper

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.

Invest now on Swaper

#9 Robocash

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.

1% cashback on Robocash

#10 Lendermarket

Lendermarket Logo

  • 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.

1% cashback on Lendermarket

#11 PeerBerry

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.

Invest now on PeerBerry

#12 Bondster

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.

Invest now on Bondster

#13 EstateGuru

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.

0.5% cashback on EstateGuru

#14 Esketit

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.

1% cashback on Esketit

#15 Reinvest24

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.

Invest now on Reinvest24*

#16 Rendity

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.

Invest now on Rendity

#17 Nibble

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.

1% cashback on Nibble

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.

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Last updated on 14 November 2022