Top 10 P2P Lending Platforms in Europe - August 2026

This is the CrowdIndex ranking for August 2026: the ten highest-scoring platforms out of the 44 we now cover, in score order, with what changed for each of them over the summer and the one risk we would want you to read before you open an account. Scores come from our six-dimension methodology and are the same numbers you see on each platform’s review page; the position is nothing more than the rank the score earns. We rescore monthly, so treat this as a dated snapshot rather than a permanent verdict.

Before the list, the disclosure that matters: CrowdIndex earns commissions from several of the platforms below, including Maclear at #3. The platform at #1, InRento, does not pay us, but platforms above and below it in the wider ranking do, so the ranking is not independent in the way a subscription-funded publication’s would be. What we can promise is that every number here links to a source and that the risks are stated as plainly as the strengths.

TL;DR

August 2026 top three by CrowdIndex score: InRento 8.6, Mintos 8.5, Maclear 8.4. The gap between them is two tenths of a point, and each sits at the top for a different reason: track record, scale, and yield.
Seven of the ten hold an EU licence: Mintos, Nectaro and Indemo under MiFID II, InRento, Capitalia, Raize and Crowdpear under ECSP. PeerBerry and Robocash have no licence; Maclear is supervised by a Swiss SRO for anti-money-laundering only.
The biggest August numbers: Mintos with 28.8% of its portfolio in recovery, PeerBerry with 100% performing, Maclear with EUR 13.81 million invested in July across 18 projects.
Realised or advertised yields range from 5.9% after losses at Raize to 14.5 to 14.9% at Maclear and 21.6 to 22.4% at Indemo. The higher the number, the more of this article you should read before investing.
Seven of the ten have a secondary market. Nectaro, Indemo and Robocash do not, so on those three your money is committed until the loan repays.

How this ranking is built

Each platform in our coverage is scored from 0 to 10 across six dimensions: regulation and investor protection, default and recovery record, originator or borrower structure, operational track record, fees and net yield, and liquidity and user experience. The dimensions and their weights are documented on our methodology page. The list below is sorted by that score. Editor’s Pick is a badge that attaches to whatever platform holds #1; it is not a separate category.

Two things this ranking is not. It is not a ranking by yield: a platform advertising 22% can sit below one advertising 11% if the structure behind the 22% is weaker. And it is not a ranking by size: Mintos has funded roughly 125 times more than InRento and sits one place below it.

For the full list of all 44 platforms, including the ones we tell readers to avoid, see the home page ranking and Safest P2P Platforms Europe.

The top 10 at a glance

#	Platform	Score	Regulator	Advertised or realised yield	Cumulative funded	Secondary market
1	InRento	8.6	Bank of Lithuania (ECSP)	~11.8%	EUR 98.9M+	Yes, 2% seller fee
2	Mintos	8.5	Latvijas Banka (MiFID II)	~9 to 11%	EUR 12.4B+	Yes, 0.85% seller fee
3	Maclear	8.4	PolyReg (Swiss SRO, AML only)	14.5 to 14.9% realised	EUR 99.6M+	Yes, 2.5% seller fee
4	Capitalia	8.3	Latvijas Banka (ECSP)	~10.5%	EUR 117M+	Yes, 2% seller fee
5	Nectaro	8.2	Latvijas Banka (MiFID II)	~14.9%	EUR 46.6M+	No, planned 2027
6	PeerBerry	8.1	None (ECSP application pending)	~11%	EUR 3.35B+	Yes, 0% fee, 6-month hold
7	Raize	7.9	CMVM (ECSP)	5.90% after losses	EUR 116M	Yes
8	Indemo	7.8	Latvijas Banka (MiFID II)	21.6 to 22.4% realised	EUR 31M+	No, expected 2026
9	Robocash	7.5	None	9 to 13%	EUR 1.3B+	No
10	Crowdpear	7.3	Bank of Lithuania (ECSP)	10.6%, up to 14%	EUR 46.3M+	Yes, 2% seller fee

Sources: the CrowdIndex review of each platform, linked in each section below, and the platform dossiers listed at the end. Figures are the latest each platform had published as of 8 September 2026.

1. InRento - 8.6 - Editor’s Pick

InRento is a Lithuanian buy-to-let platform licensed under the EU crowdfunding regulation by the Bank of Lithuania. It has funded about EUR 98.9 million since 2020, pays investors roughly 11.8% a year from rental income and property appreciation, and has recorded no investor capital loss in five years of operation [source: InRento-full SS5-6]. Minimum investment is EUR 500, higher than most of the list, and there is a secondary market with a 2% seller fee.

It holds #1 because it is the only platform in the top ten that combines a real EU licence, a clean five-year loss record and a product where the collateral is a rented property rather than a promise from a lending company. That combination is rare, and the score reflects it.

The risk to read first: this is a single-asset-class platform, and that asset class is concentrated in Lithuanian property. If your goal is to spread money across consumer loans, SME loans and real estate, InRento is one line in that spread, not the whole of it. Liquidity on the secondary market is limited by investor accounts, so plan for the loan term. Full review: InRento.

2. Mintos - 8.5

Mintos is the largest platform in Europe by a wide margin: more than EUR 12.4 billion funded since 2015, over 700,000 registered investors, a MiFID II investment-firm licence from Latvijas Banka with an investor compensation scheme up to EUR 20,000, and a product range that now spans loan Notes, bonds, ETFs, real estate and a BlackRock money-market fund [source: Mintos-full SS3, SS5-6]. Long-term reviewers report about 9% net after defaults, against the ~11% headline.

What changed this summer is the recovery number. As of September 2026, 71.2% of the Mintos loan portfolio is performing as expected and 28.8% is in recovery [source: P2P Empire, Mintos review, September 2026]. Most of that is the legacy of originators that failed in 2020 and 2022, but 2026 added a new case: more than EUR 61 million exposed to Nera Capital, a UK legal-funding originator, after a solvency review of the law firms it financed, which we covered in Mintos Nera Capital Crisis 2026.

The risk to read first: the marketplace model. Mintos does not lend; it lists Notes backed by loans from third-party lending companies, and when those companies fail the platform licence does not cover you. Read Loan Originator Risk Explained before choosing originators. Full review: Mintos.

3. Maclear - 8.4 - our affiliate partner, and the highest yield in the top ten

Maclear is a Swiss platform that lends directly to small and medium-sized businesses, mostly on 12 to 16 month bullet loans, at realised yields of 14.5 to 14.9%. It has funded EUR 99.6 million and more since 2022, and has recorded one default in its history, Vibroedil in Italy, where investors were repaid in full from the founders’ personal funds rather than from collateral or the provision fund [source: Maclear-full SS5-6, SS18; What Happens When P2P Loan Defaults].

The summer numbers are the strongest the platform has published. In July 2026 investors placed EUR 13.81 million across 18 projects, 4,207 investors were active, and EUR 6.06 million came back in principal and interest as 75 projects repaid [source: Maclear, July 2026 investor update, 4 August 2026]. The secondary market, which we analysed in P2P Lending How to Exit Early, cleared every listing between June 2025 and March 2026 with a median time to sell of about three hours, on the platform’s own figures. The provision fund passed EUR 2 million in May 2026, an investor leaderboard launched in July, and deposits became instant with personal virtual IBANs in June.

Why Maclear is #3 and not #1

Two things keep Maclear behind InRento and Mintos on our score, and both are on the company side rather than the loan side. First, supervision: PolyReg is a Swiss self-regulatory organisation that covers anti-money-laundering compliance only. It is not an investor protection regime, there is no compensation scheme, and Maclear is not FINMA-licensed. Second, the accounts: Maclear’s 2024 financial statements, published in June 2026, are unaudited, show negative equity of CHF 87,026, and record EUR 9.18 million of investor funds as the company’s own liabilities, which we set out in How to Read P2P Platform Accounts. The loan book has performed; the operating company has not yet proved it can stand on its own. Size positions for that.

Disclosure: CrowdIndex earns a commission if you open a Maclear account through the link below. That relationship does not change the score above, which is the same on every page of this site. Read our full Maclear review | Visit Maclear

4. Capitalia - 8.3

Capitalia is a Latvian SME lender licensed under ECSP, with EUR 117 million funded, about 10.5% average returns, a EUR 200 minimum and a secondary market with a 2% seller fee and no discount pricing [source: Capitalia-full SS5-6]. It is one of the few platforms in the segment with European Investment Fund backing through InvestEU.

The risk to read first: 12.9% of the active portfolio was in recovery in May 2026, which P2PMarketData describes as high for the segment, while the realised capital loss rate is 1.18% [source: Capitalia-full SS18]. Those two numbers together mean recoveries do happen but take time, so the risk is liquidity, not only loss. Full review: Capitalia.

5. Nectaro - 8.2

Nectaro is a Latvian MiFID II investment firm offering consumer and business loans at around 14.9%, with a EUR 10 minimum, EUR 46.6 million funded and no investor loss since launch in October 2023 [source: Nectaro-full SS3, SS5-6]. It is the best-licensed platform in the top ten to pay a yield near Maclear’s.

The risk to read first: both of Nectaro’s loan originators belong to the Dyninno Group, which also owns the platform, so every loan is a related-party loan; there is no secondary market until 2027 at the earliest; and the operating company lost EUR 1.42 million in 2025 while growing revenue fivefold. Full review: Nectaro.

6. PeerBerry - 8.1

PeerBerry is the second-largest platform in the ranking, with EUR 3.35 billion funded, 118,000 investors and about 11% returns on short consumer loans [source: PeerBerry-full SS6]. As of September 2026 its portfolio is 100% performing with nothing in recovery, and short-term loans have grown to 19.5% of the book from 7% at the start of the year [source: P2P Empire, PeerBerry review, September 2026]. The secondary market launched on 15 January 2026 with a 0% fee and a six-month holding period.

The risk to read first: more than 83% of loans come from Aventus Group, and PeerBerry’s largest shareholder is also Aventus’ CEO. The platform has no MiFID II or ECSP licence; an ECSP application is pending. The clean record is real, and it rests on one group’s balance sheet. Full review: PeerBerry.

7. Raize - 7.9

Raize is Portugal’s largest crowdlending platform, licensed by the CMVM under ECSP, with EUR 116 million funded to Portuguese SMEs, 73,000 investors and a EUR 20 minimum. The 2025 default rate under the ECSP reporting article was 0.17% [source: CrowdIndex-Raize At a Glance and Things to Watch]. It is new to our coverage this quarter and enters directly in the top ten.

The risk to read first: the net yield. Raize reports 5.90% after losses, and its retail price list charges 10% of gross monthly interest on the standard plan, so the number you keep is closer to a bond fund than to the rest of this list. The 2025 default figure also looks better than the book’s full history, since our arithmetic on the platform’s own tables gives 1.55% in 2023 and 3.60% in 2024. Full review: CrowdIndex-Raize.

8. Indemo - 7.8

Indemo is a Latvian MiFID II investment firm with an unusual product: Notes backed by Spanish non-performing mortgages bought at a discount, with returns realised when the property is sold or the debt settled. Thirteen completed deals have returned an average of about 23% over 13.6 months, and the platform advertises 21.6 to 22.4% [source: Indemo-full SS5-6]. EUR 31 million funded, EUR 10 minimum, no losses to date.

The risk to read first: every Spanish position depends on one servicer, Taurus Iberica, with no backup, and there is no secondary market, so a position is locked until the foreclosure completes. The operating company lost EUR 693,000 in 2025. Highest yield in the ranking, highest concentration of a single operational dependency. Full review: Indemo.

9. Robocash - 7.5

Robocash lists short consumer loans from the UnaFinancial group at 9 to 13%, with EUR 1.3 billion funded since 2017, a EUR 10 minimum and a 30-day buyback on late loans [source: Robocash-full SS5-6]. It ranks in the top ten on track record: no investor has lost capital, and the group’s originators have honoured the buyback through every stress period so far.

The risk to read first: 100% of loans come from originators owned by the platform’s own parent, there is no licence and no compensation scheme, the group’s CFO has confirmed there is no legally binding group guarantee, and the parent’s debt-to-equity ratio rose from 11.3 to 25.1 between 2023 and 2024. No secondary market. Full review: Robocash.

10. Crowdpear - 7.3

Crowdpear is a Lithuanian ECSP-licensed real-estate lender, with EUR 46.3 million funded, returns of 10.6% average and up to 14%, no capital loss to date, a EUR 100 minimum and a secondary market with a 2% seller fee and a counter-offer feature buyers like [source: Crowdpear-full SS5-6].

The risk to read first: its three shareholders are the same people who own PeerBerry, so the two platforms are one management cluster; and more than 95% of funded projects are in Lithuania. A well-run platform with a narrow footprint. Full review: Crowdpear.

What moved in August, and what did not

The order of the top three did not change over the summer, and the two-tenths gap between them is smaller than the difference a single audited annual report would make. Maclear would move up if its 2025 accounts arrive audited with positive equity. Mintos would move up if the recovery share fell back under 20%. InRento stays where it is as long as the loss record stays at zero.

Below the top three, the entry of Raize is the main structural change, a reminder that a low-yield, fully licensed, profitable SME lender can outscore higher-yield platforms with weaker structures. PeerBerry’s clean 100% and Maclear’s record July are the two operating data points of the month; Mintos’ 28.8% in recovery and Capitalia’s 12.9% are the two to keep watching.

If you are choosing your first platform from this list, Best P2P for Beginners explains how to start with EUR 50 to 500. If you already hold several, Diversified P2P Portfolio covers how to weight them.

FAQ

Which is the best P2P lending platform in Europe in August 2026?

By CrowdIndex score, InRento at 8.6 out of 10, followed by Mintos at 8.5 and Maclear at 8.4. The three differ in kind: InRento is a licensed buy-to-let lender with no losses in five years, Mintos is the largest marketplace with a MiFID II licence and 28.8% of its book in recovery, Maclear pays the highest realised yield of the three at 14.5 to 14.9% under Swiss SRO supervision that covers anti-money-laundering only.

How does CrowdIndex rank P2P platforms?

Each platform is scored 0 to 10 on six dimensions: regulation and investor protection, default and recovery record, originator or borrower structure, operational track record, fees and net yield, and liquidity. The ranking is the score order. Editor’s Pick is the badge attached to #1, not a separate assessment. Scores are reviewed monthly and updated the same day when a default, regulatory action or audit finding changes the picture.

Are the highest-yield P2P platforms the safest?

No, and this list shows it. The three highest yields in the top ten are Indemo at 21.6 to 22.4%, Maclear at 14.5 to 14.9% and Nectaro at 14.9%; they rank 8th, 3rd and 5th. The lowest yield, Raize at 5.90% after losses, ranks 7th. Yield is one of six dimensions, and the others measure how likely you are to receive it.

Which platforms in the top 10 have an EU licence?

Seven of ten. Mintos, Nectaro and Indemo are MiFID II investment firms licensed by Latvijas Banka, with an investor compensation scheme. InRento, Crowdpear (Bank of Lithuania), Capitalia (Latvijas Banka) and Raize (CMVM) hold EU crowdfunding (ECSP) licences. Maclear is supervised by a Swiss SRO for anti-money-laundering only. PeerBerry and Robocash hold no licence, though PeerBerry has an ECSP application pending.

Does CrowdIndex get paid by the platforms it ranks?

Yes, by some of them. We earn commissions when readers open accounts through our links on several platforms, including Maclear at #3. InRento at #1 does not pay us. Platforms both above and below any given position may be paying partners, so the ranking is not independent of commercial relationships; the scores are, in the sense that the same score appears on every page regardless of the link. Full detail on our disclosure page.