#01
Maclear review 2026 - Swiss SRO supervision (AML-only, no investor compensation). Up to 14.9% yields. CEO covered single default. CrowdIndex 9.2/10.
Avg. Return
14.5–14.9%
Min Invest
€50
Auto-invest
Yes
Regulator
SRO · CH
Since
2022
Invest in real European businesses. Transparently. The best P2P lending platforms in Europe, ranked.
Every European P2P platform ranked by what actually matters - regulators, audits, defaults, recovery. So you know exactly where your capital goes.
44
European P2P platforms reviewed in this index
120+
Sources behind every published rating
Monthly
Scores refreshed - same-day on material news
✓19 platforms researched before launch 🇪🇺Across 14 countries
P2P in 60 seconds
What peer-to-peer
investing actually is.
You lend small amounts to many borrowers via an online platform, in exchange for monthly interest. Typical EU yields in 2026: 6% to 15%. But so is the regulation. So is the protection.
Read the full beginner's guide- 01 Real interest. Monthly.
Most platforms pay interest monthly. Compounded across a year, returns usually outpace EU savings accounts by 4-10 percentage points.
- 02 The licence is the product.
From full MiFID-II (€20,000 protection) to AML-only SRO (no protection) to fully unregulated. The label "P2P" tells you very little on its own.
- 03 Five risks. Not one.
Borrower default, platform insolvency, regulation, illiquidity, concentration. A good platform addresses all five - not just the first.
- 04 Diversify by platform.
Most experienced EU investors split €1,000-€5,000 across 4-5 platforms - and cap the asset class at 20-30% of net worth.
The CrowdIndex · September 2026
Every European P2P platform.
Ranked. Reviewed. Rescored monthly.
Six weighted dimensions: regulation, default & recovery, originator structure, fees, operational track record, liquidity. Tier 1-2 are core. Tier 3-4 are caution.
Tier 1 · Core holdings
#02
InRento review 2026 - only ECSP-licensed buy-to-let crowdfunding in EU. 0% capital loss in 5 years. Fortune-profiled CEO, niche Lithuanian focus.
Avg. Return
~11.8%
Min Invest
€500
Auto-invest
No
Regulator
ECSP · LT
Since
2020
#03
Mintos review 2026 - €600M+ AUM, full MiFID II licence with €20K investor compensation. CrowdIndex Score 8.7/10. Lower yields, regulated under EU investment-firm rules.
Avg. Return
~9–11%
Min Invest
€50
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2015
Tier 2 · Highly rated
#04
Capitalia review 2026 - first EU crowdfunding platform under InvestEU guarantee (€15M EIF). ECSP-licensed, audit-clean Baltic SME focus.
Avg. Return
~10.5%
Min Invest
€200
Auto-invest
Yes
Regulator
ECSP · LV
Since
2017
#05
Nectaro review 2026 - MiFID II IBF licence, €20K investor compensation, 14.91% realised yield 2025. Dyninno Group related-party flow is the trade-off.
Avg. Return
~14.9%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2016
#06
PeerBerry review 2026 - €51M Ukraine military loans repaid in full; secondary market live 2026. Concentration with Aventus Group is the trade-off.
Avg. Return
~11%
Min Invest
€10
Auto-invest
Yes
Regulator
ECSP pending
Since
2017
#07
I
Indemo review 2026 - distressed Spanish mortgages, 23% avg returns on 13 completed deals. MiFID II + NASDAQ CSD custody. Rietumu Banka pedigree.
Avg. Return
21.6–22.4%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2022
#08
Robocash review 2026 - consistent buyback on 30-90 day consumer loans, 10-12% yields. 100% concentration with Robocash Group is the structural risk.
Avg. Return
9–13%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2017
#09
Crowdpear review 2026 - Lithuanian ECSP-licensed RE platform, ISO 27001 certified. Profitable 2024. Cap-table 100% overlap with PeerBerry is the risk.
Avg. Return
10.6%, up to 14%
Min Invest
€100
Auto-invest
No
Regulator
ECSP · LT
Since
2021
Tier 3 · Use with caution
#10
Profitus review 2026 - €273M cumulative, zero reported capital losses. ECSP-licensed. Negative FY24 equity raises sustainability questions.
Avg. Return
~10%
Min Invest
€100
Auto-invest
Yes
Regulator
ECSP · LT
Since
2017
#11
Lendermarket review 2026 - Central Bank of Ireland ECSP licence. 100% Creditstar single-originator concentration. Buyback depends on Creditstar solvency.
Avg. Return
~15.6%, up to 18%
Min Invest
€10
Auto-invest
Yes
Regulator
ECSP · IE
Since
2019
#12
InSoil review 2026 - April 2025 rebrand of HeavyFinance. ECSP, EIF €20M cornerstone, EU climate angle. Realised yields ~4.5% below advertised.
Avg. Return
~13.1% advertised
Min Invest
€100
Auto-invest
-
Regulator
ECSP · LT
Since
2020
#13
Twino review 2026 - Latvijas Banka MiFID II IBF since 2021, €1.125B cumulative. Russia exposure not fully closed; Trustpilot 2.4-3.0.
Avg. Return
10–13%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2015
#14
H
Hive5 review 2026 - Ruptela Group concentrated ownership, no financial licence. CEO claimed profitability while financials showed losses. Tier-3 caution.
Avg. Return
12–14%, up to 14.5%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2022
Tier 4 · High caution & avoid until resolved
#15
S
Scramble review 2026 - Estonia/UK direct-to-consumer brands, unregulated claims-assignment model. Innovative but not stress-tested. Tier-3 high caution.
Avg. Return
12.4–25%
Min Invest
€10
Auto-invest
No
Regulator
Unregulated
Since
2020
#16
E
EstateGuru review 2026 - once tier-1 EU RE P2P, now 60.2% portfolio in recovery. ECSP-licensed but Trustpilot 1.4/5. Workout phase, not growth.
Avg. Return
~10.4%
Min Invest
€50
Auto-invest
-
Regulator
ECSP · EE
Since
2013
#17
D
Debitum
Use with caution Riga, Latvia SME notes, forest land, agricultural land, invoice finance, gaming royalties 3.5 /10Debitum review 2026 - Karsten Aichholz March 2026 investigation: 34¢ insider margin, 87% family-network portfolio, 5 CEOs in 3 years. Tier-4 risk.
Avg. Return
~11.4%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2017
#18
Reinvest24 review 2026 - three regulator alerts (EFSA, CNMV, Norway). Withdrawals frozen since Feb 2024. 1-person ops team. Active wind-down.
Avg. Return
~14.6% claimed
Min Invest
€100
Auto-invest
-
Regulator
Unregulated
Since
2017
#19
Loanch review 2026 - Fingular Group platform tied to ex-Cashwagon CEO. Investigative cluster on Russia-laundering patterns. 100% conflict of interest.
Avg. Return
13–14.5%
Min Invest
€10
Auto-invest
-
Regulator
Unregulated
Since
2022
#20
Afranga
Watch closely Sofia, Bulgaria Corporate loans to consumer and vehicle lending companies, backed by those companies' loan books 5.6 /10Afranga review 2026 - a real Bulgarian ECSP licence, no buyback, and about 96% of investor money going to lending companies controlled by the platform's own owner and his two partners.
Avg. Return
8–16% target
Min Invest
€10 per loan
Auto-invest
No
Regulator
ECSP · BG
Since
2020
#21
Income Marketplace
Watch closely Tallinn, Estonia Consumer, car, leasing and business loan claims from third-party non-bank lenders, plus UK litigation funding 5.6 /10Income Marketplace review 2026: no licence, named on a Latvijas Banka warning list, junior share and cashflow buffer explained, ClickCash recovery still open.
Avg. Return
Up to 15%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2020
#22
Lande review 2026 - Bank of Latvia ECSP licence, farm loans secured on land and machinery, 41% average LTV. No buyback and self-owned collateral agents are the trade-offs.
Avg. Return
12.29%
Min Invest
€50
Auto-invest
Yes
Regulator
ECSP · LV
Since
2020
#23
Iuvo
Watch closely Tallinn, Estonia (operations in Sofia, Bulgaria) Consumer, business, credit cards, car title 5.0 /10Iuvo review 2026 - named on the Bank of Latvia unlicensed-services list, roughly 94% of volume from parent group MFG, Kviku and CBC losses still unresolved.
Avg. Return
5–15%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2016
#24
October (ex-Lendix) review 2026. The platform stopped lending in 2024 and cannot be joined. Lender accounts move to EvenFi in September 2026. What is left, explained.
Avg. Return
3.22% net IRR
Min Invest
€20
Auto-invest
Yes
Regulator
Licence in wind-down
Since
2014
#25
WiSEED
Use with caution Balma (Toulouse), France Real-estate bonds, unlisted company equity, renewable energy 4.0 /10WiSEED review 2026: AMF licence FP-2023-33, but the operator entered receivership in October 2025, was sold to Advenis, and reports negative equity and a prudential capital breach.
Avg. Return
9.52% coupon
Min Invest
€100
Auto-invest
No
Regulator
AMF · FR
Since
2008
#26
ClubFunding
Paris, France Real-estate developer bonds (in fine, 12 to 36 months), plus equity, structured products, SCPI and tax-relief products through group entities 6.3 /10ClubFunding review 2026. A real AMF licence and EUR 1.9bn financed, but only 22% of the outstanding book is still on its original repayment schedule.
Avg. Return
10.57% coupon
Min Invest
€1,000
Auto-invest
None found
Regulator
AMF · FR
Since
2014
#27
Homunity
12 rue Jacquemont, 75017 Paris, France Property developer bonds issued through single-purpose vehicles, bullet repayment (capital and interest at maturity), typically 12 to 24 months 5.8 /10Homunity review 2026. Real AMF licence FP-2023-31 and Tikehau ownership, but 175 of 667 projects are over six months late or in insolvency while the default line still reads zero.
Avg. Return
9.20% coupon
Min Invest
€1,000
Auto-invest
None found
Regulator
AMF · FR
Since
2014
#28
La Premiere Brique
91 cours Charlemagne, 69002 Lyon, France Direct loans to property developers and property traders (promotion, marchand de biens, refinancing), typically 12 to 24 months. A separate rental-property product launched more recently and is excluded from the performance table 6.4 /10La Premiere Brique review 2026. AMF licence FP-2023-15, EUR 1 minimum, and a rare published 9.28% default rate. But 81 projects sit in insolvency proceedings while definitive losses still read zero.
Avg. Return
11.4% gross
Min Invest
€1
Auto-invest
Yes
Regulator
AMF · FR
Since
2019
#29
BienPreter review 2026: AMF crowdfunding licence FP-2023-38, 12.42% net IRR, EUR 418.8M funded. Why its reported 0.00% default rate needs a closer look.
Avg. Return
12.42% net IRR
Min Invest
€20
Auto-invest
-
Regulator
AMF · FR
Since
2017
#30
Recrowd review 2026. Suspended from new loan intermediation by Banca d'Italia since July 2025, fined EUR 26,000 in June 2026, and disclosing a 37.65% default rate for 2025.
Avg. Return
10.3% avg gross
Min Invest
€250
Auto-invest
Not confirm…
Regulator
ECSP suspended
Since
2018
#31
Trusters
Via Legnano 28, 20121 Milan, Italy Short-term loans to Italian property developers, fixed rate, repayment at maturity 5.7 /10Trusters review 2026. A genuine Consob ECSP licence and vintage-level statistics, but no loss line at all: 80 of 529 projects have passed 90 days late and only one is called a default.
Avg. Return
10.3% claimed
Min Invest
€250
Auto-invest
No
Regulator
ECSP · IT
Since
2017
#32
Walliance
Viale della Costituzione 16, Trento, Italy, with an operating office in Milan Italian and French property development financed in three legal forms: equity in a project company, bonds, and direct loans. A small renewables line (4 of 206 projects) sits alongside 6.6 /10Walliance review 2026. Consob ECSP licence, EUR 206.9M financed, and one of the few European platforms that publishes both an Article 20 default rate and a real final-loss figure. On its own numbers, 27% of all capital ever financed sits in projects more than three months late.
Avg. Return
8.1–12.6%
Min Invest
€500
Auto-invest
No
Regulator
ECSP · IT
Since
2016
#33
Ener2Crowd
Via Antonio Kramer 21, 20129 Milan, Italy (registered office moved from Corso Indipendenza 1 on 08.09.2025) Loans to Italian and Spanish companies for energy efficiency, renewables and environmental projects, plus a smaller equity line 5.2 /10Ener2Crowd review 2026. A real Consob ECSP licence and a genuine Article 20 default disclosure, which is exactly how you can watch the rate go from 0.65% to 6.51%.
Avg. Return
8.06% coupon
Min Invest
From €300
Auto-invest
No
Regulator
ECSP · IT
Since
2018
#34
Re-Lender
Use with caution Potenza (registered office), Italy; operating offices Milan and Madrid Lending crowdfunding for reconversion projects: real estate, industrial, ecological, technological 2.0 /10Re-Lender entered voluntary liquidation in February 2026 and stopped all new campaigns. No Consob suspension or revocation. Open positions moved to run-off. What investors need to know.
Avg. Return
~9% avg rate
Min Invest
€50
Auto-invest
No
Regulator
Licence in wind-down
Since
2019
#35
EvenFi
Watch closely Barcelona, Spain (licensed entity) / Bergamo, Italy (operating parent) SME business loans, real estate, renewable energy, venture debt 4.8 /10EvenFi (ex-Criptalia) review 2026. CNMV-authorised ECSP, EUR 20 minimum, and a self-published 28.6% project default rate. October's lenders arrive in September.
Avg. Return
Up to 12%
Min Invest
€20 per project
Auto-invest
Yes
Regulator
ECSP · ES
Since
2018
#36
GoParity
Lisbon, Portugal Impact crowdlending: renewable energy, agrifood, social economy, blue economy 5.7 /10GoParity review 2026. Real CMVM ECSP licence, a genuine Article 20 default disclosure, and a 23.25% default rate in the 2025 window. What the impact numbers do and do not prove.
Avg. Return
5.4% repaid only
Min Invest
€20
Auto-invest
Yes
Regulator
ECSP · PT
Since
2017
#37
Raize review 2026. Active, CMVM authorised, and one of the most detailed default disclosures in Europe. The catch is a 10-12% fee on your interest plus 28% tax.
Avg. Return
5.90% after losses
Min Invest
€20
Auto-invest
Yes
Regulator
ECSP · PT
Since
2014
#38
Urbanitae review 2026. CNMV-authorised ECSP, passported into 15 EEA states, EUR 610M funded. Its 0% default line covers loans only, which is under half the book.
Avg. Return
12.2% repaid only
Min Invest
€500
Auto-invest
No
Regulator
ECSP · ES
Since
2019
#39
Civislend
Madrid, Spain Real estate development loans to professional promoters, secured on the asset 7.0 /10Civislend review 2026. CNMV ECSP register no. 8, EUR 393M funded across 191 projects, EUR 250 minimum. Its arrears data lives inside one undated screenshot.
Avg. Return
10–13%
Min Invest
€250
Auto-invest
No
Regulator
ECSP · ES
Since
2016
#40
Housers
Use with caution Madrid, Spain Real estate lending (current); equity and participative loans (legacy, discontinued) 3.4 /10Housers (now Crowpire) review 2026. The CNMV licence is current, but 60% of the 2023-2025 book is past maturity, there are no open deals, and Italy's CONSOB fine was upheld on appeal.
Avg. Return
7.45% achieved IRR
Min Invest
€300 per project
Auto-invest
No
Regulator
ECSP · ES
Since
2015
#41
Bondora review 2026: the retail marketplace is gone, only Go & Grow remains, now spun off as Go&Grow OU. Up to 6% capped, no product-level licence.
Avg. Return
Up to 6% p.a.
Min Invest
None
Auto-invest
Automatic
Regulator
Unregulated
Since
2008
#42
VIAINVEST review 2026: Latvijas Banka investment firm licence, €20,000 investor compensation, asset-backed notes. Every loan comes from VIA SMS Group.
Avg. Return
Up to 13.3%
Min Invest
€50
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2016
#43
Esketit
Watch closely Zagreb, Croatia (operations from Riga, Latvia) Business, consumer, distressed debt, mortgage 5.6 /10Esketit review 2026: no licence, most loan originators owned by the founders, liquidity frozen during the Croatia move. Zero investor losses since 2021.
Avg. Return
~11%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2020
#44
Swaper
Watch closely Tallinn, Estonia Consumer and business claim rights from one originator group 4.6 /10Swaper review 2026: no financial licence, named on a Latvijas Banka warning list, one originator group, no default data published. Rates 10-16%.
Avg. Return
10–16%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2016
Guides
Start here.
Five essential reads on P2P investing in Europe - beginner basics, the risk picture, the EU regulation landscape, what "safe" actually means, and where to go after Mintos.
Guide
Where to Invest in Europe in 2026: 7 Realistic Options
Where to invest in Europe 2026 with 3% inflation and 2% deposit rates. Seven asset classes ranked by real return - portfolio templates for €10K, €50K, €100K.
Guide
Bank Savings Alternatives Europe 2026 - 7 Options That Beat 2%
Bank savings pay 2% while inflation eats 3%. Seven Europe-based alternatives ranked by risk-adjusted return - with the trade-off behind each.
Guide
How to Realistically Earn 10-15% a Year in Europe (2026)
Realistic 10-15% annual returns from Europe in 2026 - concrete portfolio math for €10K, €50K and €100K, plus what's actually possible without lying.
Guide
Bitcoin Mining Investment in 2026: How to Earn 20%+ APR Without Buying ASICs
Bitcoin mining is consolidating around low-tariff, multi-site operators ahead of the 2028 halving. We break down the niche, the economics, and a live opportunity paying 20.9% APR.
Guide
Premium Strawberry Investment in Georgia 2026: Geothermal Greenhouse Paying 22.9% APR
Caucasus markets import 30% of their winter strawberries. One Georgian greenhouse operator is solving that with geothermal year-round production - and lenders can earn 22.9% APR on the expansion.
Methodology
Six dimensions. Externally verifiable.
Every CrowdIndex score is the weighted average of six independent ratings - each anchored to public filings, audited statements, regulator records, and direct verification.
Full methodology →- 25%Regulation & protectionECSP, MiFID, SRO, or none - and what each actually guarantees an investor.
- 20%Default & recovery historyDefault rate, recovery yield, time to recovery. Verified against filings, not platform claims.
- 15%Originator structureSkin-in-the-game, conflict-of-interest, related-party loan concentration.
- 15%Operational track recordAudited financials, years operating, regulatory findings, management stability.
- 15%Fees & net yieldRealised yield after defaults and fees - not the headline advertised rate.
- 10%Liquidity & UXSecondary market depth, exit timing, interface usability, support quality.
FAQ
The questions readers actually ask.
Five most-asked CrowdIndex questions. For platform-specific details, every review has its own FAQ section addressing the questions readers send us about that particular platform.
How does CrowdIndex rank P2P platforms?
We score on six dimensions - regulation & protection, default & recovery, originator structure, operational track record, fees & net yield, liquidity & UX - each anchored to externally-verifiable evidence. Full breakdown on the methodology page.
Are P2P investments safe?
P2P investing is high-risk and capital can be lost. Different regulatory regimes provide very different protections - see our safety guide for what compensation schemes actually cover.
Does CrowdIndex earn affiliate fees?
Yes - some platforms pay us referral commission when investors sign up through our links. We rank platforms before negotiating any commercial relationship, and we’ve publicly downgraded sponsors when the evidence warranted it. Read the full disclosure.
How often is the ranking updated?
Scores are rescored monthly. We publish a same-day update when material news affects a platform - a default, regulatory action, ownership change, or audit finding.
