Best P2P Lending Platforms In Europe

Best P2P Lending Platforms

#1 – Mintos

As expected, Mintos receives the crown as being the best peer-to-peer lending platform in Europe along with being my personal favorite. There is simply no way around Mintos if you decide to invest in p2p lending. They are by far the biggest platform not only by the sheer number of loans but also by the number of loan originators they work with. It has the best diversification, functionality, and reporting. They have financed well over 2 billion worth of loans so far. I have been using them since January 2018 and I have returns well over 12%.

I couldn’t recommend Mintos enough and if you are just starting with peer-to-peer lending this is the way to go. I have also tried withdrawing a small amount as a test and it was fast and easy. In Mintos, you can invest in loans with rates as high as 14% but don’t forget to diversify among many originators to spread the risk and don’t be afraid to buy loans with lower rates for the sake of security. I personally stick with rates between 11% and 13%.

Mintos Register Page

Mintos Pros

  • High Rates (Up to 15.1% with buyback guarantee)
  • Largest Platform
  • Unparalleled Diversification opportunity
  • Almost all their loans come with buyback guarantee (currently, only 137 out of 350,000 without the guarantee)
  • Minimum investment only 10€

Mintos Cons

  • Some of the loans come without buyback guarantee but they are very limited and not a real issue. (I just had to put something on the “con” list)

Click here to sign up to Mintos and get an exclusive 1% bonus for any investment you make during the first 90 days.

A full review of Mintos is also available here.

Best p2p platform Mintos Banner

#2 – Grupeer

Grupeer is a similar platform vs Mintos but it is mainly focused on business loans and development projects. I am pretty impressed with it and its loan performance. Even though all loans come with buyback guarantee I have never had any of the loans default for it to matter. Rates are slightly higher than Mintos too. Most of the loans are at 13%-14% range and they also have periodic cashback campaigns that you can take advantage of.

Grupeer Landing Page

Grupeer Pros

  • Higher rates than its competitors
  • Loan Performance
  • Frequent cashback campaigns
  • All loans came with buyback guarantee
  • Minimum investment only 10€

Grupeer Cons

  • No secondary market

Click here to sign up with Grupeer

A full review of Grupeer is also available here.

Best p2p platform Grupeer Banner

#3 – ViaInvest

ViaInvest comes third in this competition. All four loan originators on the platform come from the same mother company called VIA SMS Group. For some people that is a turnoff but when the company is this profitable in the markets that it is operating in I can’t complain too much. The company posted an operating profit of over 9.1 million euros for 2018 up from 6.2 million in 2017 while improving its balance sheet.

The rates offered by the platform are up to 11%. As you can see, ViaInvest doesn’t offer such high rates as Mintos or Grupeer but it still made the list for the reasons presented above. Most of the loans on the platform are

ViaInvest Sign Up Process 1

ViaInvest Pros

  • Run by a seasoned and profitable mother company
  • Simple to use
  • All loans came with buyback guarantee
  • Minimum investment only 10€

ViaInvest Cons

  • Lower interest than its competitors

Click here to sign up to ViaInvest and earn a 10€ bonus after signing up using this link and investing at least 50€.

A full review of ViaInvest is also available here

Best p2p platform ViaInvest Banner

#4 – RoboCash

I was contemplating whether I should give the last position in this list to PeerBerry, FastInvest or Swaper but I decided to go with RoboCash. I decided to with RoboCash because it provides better rates than PeerBerry and more transparency than FastInvest. The platform operates only through their “robot investor” meaning that you can only invest through auto-invest but it actually works great since all loans have rates equal to 12% and manual picking is pointless as all of them are short term.

RoboCash Front Page

RoboCash Pros

  • All loans come with buyback guarantee
  • Simple to use
  • 12% fixed rate for all loans
  • Minimum investment only 10€

RoboCash Cons

  • Only auto-invest (no manual investing, that can be a “pro” for some people)

Click here to sign up with RoboCash

A full review of RoboCash is also available here.

Best p2p platform robocash Banner

Best Business CrowdLending Platforms

#1 – Envestio

Their proven track record, high rates and zero default rate make Envestio the frontrunner of this list. While the platform does not have a large variety of loans to invest in and you should definitely expect some cash drag but it does offer some pretty interesting projects. Rates are high and they all come with a partial Buyback Guarantee up to 90% of the principal amount. To learn more about Envestio’s buyback guarantee you can read my full review.

Envestio Home

Envestio Pros

  • Very attractive yields (Up To 21%)
  • Interesting projects
  • Great loan performance
  • 1€ minimum investment meaning you can invest your interest payments even if they are low (Although minimum deposit is 100€)
  • Very attractive sign up bonus

Envestio Cons

  • Very low liquidity. Loans are published in the platform and are funded within the first hour of going public. You will get an email when the loan goes public but you need to act fast and have fund uninvested in the platform.

Click here to sign up to Envestio and get an exclusive 0.5%+5€ bonus for any investment you make during the first 270 days.

A full review of Envestio is also available here.

Best p2p platform envestio Banner

#2 – Crowdestor

Very similar to Envestio, Crowdestor is a business crowdlending platform. Their yields are high and loan performance is great. The only reason that this platform is the second on the list is that is newer than Envestio and although they still have zero default rate it is still a new platform to draw any conclusions from this. They also have a buyback fund but it is rather small compared to the number and amount of outstanding loans currently on the platform.

Crowdestor Pros

  • Very attractive yields (Up To 21%)
  • Cashback campaign for new investors
  • Interesting projects
  • Great loan performance
  • Fairly Liquid
  • Minimum investment only 50€

Crowdestor Cons

  • Small buyback fund

Click here to sign up to Crowdestor and get an exclusive 0.5% bonus for any investment you make during the first 180 days.

A full review of Crowdestor is also available here.

Best p2p platform crowdestor Banner

#3 – Kuetzal

A pretty new (est. Nov 2018) but very promising business crowdlending platform. Rates on Kuetzal are as high as 21% but sometimes they publish projects with lower rates like 10%. Most of the loans on the platform come with “investment buyback” which means that if the borrower fails to make payments for the loan Kuetzal will buy the claim from you after max 60 days.

kuetzal sign up promo page

Kuetzal Pros

  • Some loans have high rates (Up to 21%)
  • Interesting projects
  • Great loan performance
  • They add new projects regularly
  • Very attractive sign up bonus

Kuetzal Cons

  • Some loans have low rates (The lowest rates is 10%)
  • New platform established in November 2018
  • Minimum investment in a single loan is 100€

Click here to sign up to Kuetzal and get an exclusive 0.5% bonus for any investment you make during the first 180 days. Also, don’t forget to use code “P2PINCOME” during sign up to receive 15€ free for your first investment. The bonus is credited right after sign up. Also, during the summer of 2019 they have cashback promo for large investments.

A full review of Kuetzal is available here.

Best Real-Estate CrowdLending Platforms

#1 – CrowdEstate

CrowdEstate is the leader in this category. It provides the best rates, track record, a secondary market and it was established in January 2014. The only issue with the platform is the same one that I have with Envestio, loans are funded extremely quickly and that gives a chance to some investors to take advantage of the low liquidity and flip the loans for an astronomical premium. Lately, they are introducing projects more regularly.

CrowdEstate Home Page

CrowdEstate Pros

  • Great track record since January 2014
  • Very attractive yields (Around 15-16%)
  • Interesting projects
  • Secondary market

CrowdEstate Cons

  • No buyback guarantee (As usual with real-estate crowdlending)
  • Low liquidity.
  • Some investors take advantage of the low liquidity and sell their loans to the secondary market at an astronomical premium.

To sign up to CrowdEstate click here.

A full review of CrowdEstate is also available here.

Best p2p platform crowdestate Banner

#2 – BulkEstate

BulkEstate is talking the second place vs CrowdEstate because it offers the same features as CrowdEstate apart from the secondary market and that is very important in my book. The platform was established in December 2016 and it has a very good track record and offers high rates too.

BulkEstate Front Page

BulkEstate Pros

  • Great track record
  • Very attractive yields (Around 15-16%)
  • Interesting projects
  • Minimum investment in a single loan is 100€

BulkEstate Cons

  • No buyback guarantee (As usual with real-estate crowdlending)
  • Low liquidity
  • No secondary market
  • Minimum investment in a single loan is 100€

To sign up to BulkEstate click here.

A full review of BulkEstate is also available here.

Best p2p platform BulkEstate Banner

#3 – EstateGuru

The third place on the list is occupied by EstateGuru. The reason is that the yield offered by its competitors is lower. It has a great track record and no funds have been lost in any project on the platform. The platform was established in December 2014

EstateGuru Home Page

EstateGuru Pros

  • Great track record (Since established in 2014)
  • Interesting projects
  • Cashback offer to sign up
  • Minimum investment only 50€

EstateGuru Cons

  • Lower yields than its competitors (Around 10-12%)
  • No secondary market

Click here to sign up to EstateGuru and get an exclusive 0.5% bonus for any investment you make during the first three months.

A full review of EstateGuru is also available here.

Best p2p platform EstateGuru Banner

That is my list of the best crowdlending platforms in Europe. Let me know what you think in the comments below.

5 Replies to “Best P2P Lending Platforms In Europe”

    1. Hello Anon, Housers has an average annual yield of 7.50% which is not enough for me to invest at this point. I have also read some not so good things about the platform so I will steer clear, at least for now.

      Like

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