20 platforms

Compare All 20 P2P Platforms Side by Side

Every European P2P lending platform in one table: stars, yields, minimums, licences and auto-invest. Filter by regulation, loan type or deposit - then read the full review.

The 30-second scan

The full comparison table

The table below shows every platform we track: star rating (our editorial opinion out of 5.0), group classification (Editors' favourites, Worth watching, Better skipped or Sponsored), advertised yield range, minimum deposit, licence type, auto-invest availability and year founded. Platforms in the Editors' favourites group score 3.5 stars or higher across the five checks; Worth watching platforms sit between 2.0 and 3.4 stars; Better skipped platforms fall below 2.0. The Sponsored listing (8lends) sits outside the rating system and is labelled Sponsored every time it appears.

Click any platform name to read the full review - including how the five checks scored, investor protection details, delivery track record, honest-yield analysis, transparency assessment, exit-option evaluation and our verdict on who it suits.

Stars Platform Group Yield Min Licence Auto Since
★★★★★ 4.8 Maclear Top pick Editors' favourites 14.5-14.9% EUR 50 Swiss SRO (AML) Yes 2022
★★★★☆ 4.5 InRento Editors' favourites ~11.8% EUR 500 ECSP (LT) No 2020
★★★★☆ 4.4 Mintos Editors' favourites 9-11% EUR 50 MiFID II (LV) Yes 2015
★★★★☆ 4.2 Capitalia Editors' favourites ~10.5% EUR 200 ECSP (LV) Yes 2017
★★★★☆ 4.1 Nectaro Editors' favourites ~14.9% EUR 10 MiFID II (LV) Yes 2016
★★★★☆ 3.9 PeerBerry Editors' favourites ~11% EUR 10 ECSP pending Yes 2017
★★★★☆ 3.8 Indemo Editors' favourites 21-22% EUR 10 MiFID II; Nasdaq CSD Yes 2022
★★★☆☆ 3.6 Robocash Editors' favourites 9-13% EUR 10 Unregulated Yes 2017
★★★☆☆ 3.5 Crowdpear Editors' favourites 10.6-14% EUR 100 ECSP (LT) No 2021
★★★☆☆ 3.1 Profitus Worth watching ~10% EUR 100 ECSP (LT) Yes 2017
★★★☆☆ 3.0 Lendermarket Worth watching 15.6-18% EUR 10 ECSP (IE) Yes 2019
★★★☆☆ 2.8 InSoil Worth watching ~13% EUR 100 ECSP (LT) - 2020
★★★☆☆ 2.7 Twino Worth watching 10-13% EUR 10 MiFID II (LV) Yes 2015
★★☆☆☆ 2.3 Hive5 Worth watching 12-14.5% EUR 10 Unregulated Yes 2022
★★☆☆☆ 1.9 Scramble Better skipped 12.4-25% EUR 10 Unregulated No 2020
★★☆☆☆ 1.8 EstateGuru Better skipped ~10.4% EUR 50 ECSP (EE) - 2013
★☆☆☆☆ 1.6 Debitum Better skipped ~11.4% EUR 10 MiFID II (LV) Yes 2017
★☆☆☆☆ 1.2 Reinvest24 Better skipped ~14.6% EUR 100 Unregulated - 2017
★☆☆☆☆ 1.0 Loanch Better skipped 13-14.5% EUR 10 Unregulated - 2022
Sponsored (outside the rating)
- 8lends Sponsored Sponsored up to 25% APR - - - -

Filter by licence regime

Regulation shapes what actually protects you when things go wrong. The strongest tier - MiFID II investment-firm licences - brings up to EUR 20,000 compensation on eligible claims (cash balances and certain instruments held by the investment firm), though no scheme covers borrower defaults. The second tier - ECSP crowdfunding licences - mandates disclosure and conduct rules but carries no compensation. Unregulated platforms operate outside EU financial-services law.

MiFID II investment-firm licence (up to EUR 20,000 compensation)

ECSP crowdfunding licence (conduct rules, no compensation)

Swiss SRO licence (AML oversight, no compensation)

Unregulated

Filter by loan type

Loan type shapes risk profile, recovery speed and yield structure. Real-estate loans carry tangible collateral but can take years to liquidate; SME loans offer faster cycles but higher default rates; consumer loans deliver short durations but depend entirely on originator creditworthiness or buyback promises.

Real estate (buy-to-let, development, bridge)

SME and factoring

Consumer loans and notes

Secured agricultural

Direct-to-consumer working capital

Filter by minimum deposit

Minimum deposits dictate who can start and how granular diversification becomes. Lower thresholds suit smaller portfolios; higher minimums often signal larger deal sizes or institutional co-investment structures.

EUR 10 minimum

Mintos (4.4 stars), Nectaro (4.1 stars), PeerBerry (3.9 stars), Indemo (3.8 stars), Robocash (3.6 stars), Lendermarket (3.0 stars), Twino (2.7 stars), Hive5 (2.3 stars), Scramble (1.9 stars), Debitum (1.6 stars), Loanch (1.0 stars).

EUR 50 minimum

Maclear (4.8 stars, Top pick), EstateGuru (1.8 stars).

EUR 100 minimum

Crowdpear (3.5 stars), Profitus (3.1 stars), InSoil (2.8 stars), Reinvest24 (1.2 stars).

EUR 200 minimum

Capitalia (4.2 stars).

EUR 500 minimum

InRento (4.5 stars).

Frequently asked questions

Maclear holds the highest rating at 4.8 stars out of 5, earning it our Top pick badge. The Swiss platform scores strongly on investor protection (Swiss SRO licence and AML oversight), delivery track record (one default covered in full), honest yields (14.5-14.9 percent realised), transparency (quarterly filings, disclosed ownership) and exit options (secondary market launching 2026). InRento follows at 4.5 stars as the EU's only ECSP-licensed buy-to-let platform with zero capital losses in five years.

The star rating is our editorial opinion based on five equal checks: investor protection (licence and what it truly covers), delivery track record (did investors get paid; how defaults were handled), honest yields (advertised versus realised gap), transparency (filings, ownership, disclosure quality) and exit options (secondary market, lock-ups, real liquidity). Each check carries 20 percent weight. We refresh the ratings monthly using regulator filings, platform disclosures and investor reports. Ratings are not investment advice - they frame the fit between a platform's structure and what actually protects you.

Mintos, Nectaro, Indemo, Twino and Debitum hold MiFID II investment-firm licences - the highest regulatory tier in the EU. This brings up to EUR 20,000 compensation on eligible claims (cash balances and certain instruments), though no scheme covers borrower defaults. InRento, Capitalia, Profitus, Crowdpear, InSoil, Lendermarket and EstateGuru operate under ECSP licences (European Crowdfunding Service Provider regulation), which mandate disclosure and conduct rules but carry no compensation scheme. Maclear holds a Swiss SRO licence covering anti-money-laundering oversight but no compensation. Robocash, Scramble, Reinvest24, Hive5 and Loanch remain unregulated.

The comparison table above shows each platform's minimum deposit and whether auto-invest is available. Platforms with EUR 10 minimums include Mintos, Nectaro, Indemo, PeerBerry, Robocash, Lendermarket, Twino, Hive5, Scramble and Debitum. Platforms with EUR 50 minimums are Maclear and EstateGuru. Higher thresholds: InRento EUR 500, Capitalia EUR 200, Crowdpear and Profitus and InSoil EUR 100, Reinvest24 EUR 100, Loanch EUR 10. Auto-invest is unavailable at InRento, Crowdpear, Indemo (manual selection only), PeerBerry (launching 2026), Scramble, EstateGuru, Reinvest24 and Loanch. All other rated platforms offer auto-invest portfolios.

Start with the platform that does this well

Maclear holds our highest rating at 4.8 stars - the only platform scoring above 4.5 on all five checks. Swiss oversight, one default covered in full, 14.5-14.9 percent realised yields, quarterly filings and a secondary market launching 2026.

New investors earn a EUR 30 bonus when the first EUR 1,000 is invested and held for 90 days.

Read the Maclear review