25 biggest P2P Apps in Europe (you won’t believe #9)

February 5, 2024

Investing in peer-to-peer (P2P) lending has become an exciting and accessible way for individuals like you and me to earn returns on our money. By directly lending to borrowers, we bypass traditional financial institutions, potentially leading to higher returns and more investment opportunities.

If you're keen to dive into the world of P2P lending, you're in the right place. I've scoured the market to bring you the top 25 P2P lending apps in Europe for 2024. Whether you're a seasoned investor or just starting out, these platforms offer a range of options to fit your investment strategy. This list is made by ranking the most reliable and easy-to-use platforms.

1. Mintos

Mintos makes it incredibly easy for investors to diversify their portfolios across multiple countries and industries. Currently, Mintos offers to invest in Loans, ETFs and Corporate Bonds. With a user-friendly interface and a wide range of loan types, it's a top choice for many. We have also created a Mintos review.

2. PeerBerry

This app stands out for its solid return rates and commitment to security. PeerBerry is a great option if you're looking for a straightforward, reliable investing experience.

3. Bulkestate

Focused on real estate projects, Bulkestate offers secure and profitable investment opportunities. Projects are selected by a team of experts in the real estate field.

4. Nectaro

Nectaro is a fairly new platform, but it is licensed with IBF License Nr. 27-55/2023/3, ensuring legal operation and compliance with EU regulations.

Regulated by the Central Bank of Latvia, providing investor protection and security. It has an easy to use and user-friendly webpage to manage your investments with just a few clicks.

Nectaro is backed by Dyninno Group, a company with a strong presence in various sectors across 50 countries, adding to the credibility of the platform.

Nectaro rewards you with a 1% Cashback on all investments during a 21-day period. So upon first investments, you start earning immediately.

5. Debitum Network

Debitum Network focuses on asset-backed lending, which significantly lowers default risks and creates a safe investment environment.

The platform offers a 90-day buyback guarantee on all loans and imposes a 15% penalty on delayed repayments by loan originators, enhancing investor protection.

High Expected Returns - 11.44% and a track record of zero defaults over five years. Has transparent loan originators.

6. Estateguru

Average return - 10.42%
Thousands of loans to businesses across Europe in the real estate property sector
Operates in 8 countries
Have the possibility to sell existing loans at any time allowing you to have an exit convenient strategy when you suddenly need money
They have an impressive Investor Community of over 150 000
Earn interest from 7% to 13%

7. Letsinvest

Letsinvest is a Lithuanian investment platform where a team of real estate experts and investing professionals has come together and handpicked reliable and secure real estate deals. The platform is protected by the Bank of Lithuania. You can start investing in as little as 500 euros.

8. Twino

TWINO has a proven track record and industry expertise being among the first European peer-to-peer lending platforms.

Loan securities are financial instruments backed by business loans issued to TWINO Group's Loan Originators based in Poland and Vietnam.

Have a community of over 20,000 retail investors from more than 30 countries.

Has established ourselves as a trusted market leader in continental Europe.

9. Winefortune

WineFortune allows you to invest in wines passively, offering different investment products according to the suitability of the investor's profile.

Their team of experts selects wines based on technical and fundamental analyses.

As an investor, you will have the freedom to decide in the future whether you want to realize your investment in money or physical wine bottles.

They have created an integration with Liv-ex, the largest B2B fine wine marketplace, which allows you to track the market price and create more liquidity for trading.

10. Loanch

You can invest in the Asian market and earn up to 13.6% Annually. This is a fairly new but very promising peer-to-peer platform. It also has a buyback guarantee. You can invest starting from 10€. Auto-Invest is a beautiful feature that you should be using.

11. Indemo

They offer 2 types of investments - Mortgage Loan Investments with interest of 10% per year and Discounted Debt Investments with interest 15.1%.

Investment opportunities from lending companies located in Spain.

You can choose either a passive investment approach or autoinvest feature.

12. Robo.cash

This fully automated platform offers investments in loans with buyback guarantees, making it a hassle-free option for earning passive income.

It is part of the financial holding company UnaFinancial, which is based in Singapore. The holding also owns other financial companies in Europe and Asia.

13. Lendermarket

You can invest as an Individual or company from the European Economic Area (or Switzerland) and earn up to 15% return annually.

All loans at Lendermarket come with a Buyback Guarantee.

14. Rendity

Users can access real estate investments in Austria and Germany.

With the introduction of a unique "Investor Wallet" - a personal clearing account—you can always have an overview and control over the capital you have invested.

15. Profitus

PROFITUS is one of the Baltic region's most ambitious and fastest-growing crowdfunding platforms.

The company's business is subject to the highest requirements maintained by the Bank of Lithuania.

The investment opportunities provided on the PROFITUS platform are always secured by a mortgage.

16. Brickstarter

Brickstarter focuses on vacation rental properties, which are the most profitable kind of assets.

It is 100% secure as a real estate asset is always your investment collateral.

You will receive monthly payments based on your property's performance, with no outstanding payments (they work with clients on a prepaid model). The minimum IRR is 10%.

17. Swaper

Swaper is a unique P2P loan marketplace that makes it easy to invest in pre-funded consumer loans from Poland and Spain and car leasing contracts from North Macedonia.

Investments offered on Swaper's marketplace pay up to 16% annual interest (includes unique loyalty bonus of +2%).

Swaper makes investing easy and simple through the Auto-Invest Portfolio tool, which You can easily set up with just one click.

18. Nibble Finance

You can access a high-yield debt investment portfolio with 8% guaranteed returns.

New Legal Strategy: Legal Strategy is designed to invest in portfolios consisting of consumer loans classified as B, CC, and C, which are in the process of pre-trial and judicial recovery. Since these loans have overdue debts and fines, the yield of this strategy reaches up to 14.5% per year.

19. Kviku Finance

Kviku is one of the fastest-growing peer-to-peer lending groups globally. It offers a € 20 sign-up bonus on your first investment when you invest €100. When borrowers are more than 30 days late, the platform will buy back the loan from an investor.

They are focusing on product and geographical diversification, with a current presence in Russia, Kazakhstan, Spain, Poland, and the Philippines. Investor returns can reach up to 15%.

20. HeavyFinance

HeavyFinance operates as a pure marketplace for agricultural loans.

It connects small and medium agricultural enterprises with a global retail investor community.

You can begin investing from only €100.

It originates agricultural loans in Portugal, Poland, Lithuania, Latvia, and Bulgaria to open one more major market in 2024.

21. LANDE

It also focused on financing agricultural loans, bringing together farmers with investors.

The platform was launched in 2020 and issued 1,5 M EUR in less than a year to help small and medium-sized farms develop and expand. Since the first operating year, there have been no defaulted projects.

Every published project on the platform is secured with land, machinery or grain;
Low LTV (based on the data, average LTV 42%); Loan to value ratio.
On the platform are only cherry-picked projects. Acceptance rate 5%;
For secured investments, they have partnered with LemonWay.

22. Income Marketplace

Income is a financial technology company that provides a next-generation global marketplace for investing in cash flow-producing assets, such as consumer and business loans.

Launched in 2020, the company enables You to invest in loans and earn great returns.

23. Bondster

Bondster is a Czech FinTech start-up that offers investments in loans.

They bring new opportunities for You who can easily earn attractive returns without in-depth knowledge of the financial market.

Bondster offers a new, credible alternative to traditional investment.

24. Loanch

Loanch is a peer-to-peer lending platform that facilitates investments in consumer loans issued by licensed lenders, primarily focusing on Southeast Asian markets.

Established in December 2022 in Hungary, it offers a space for investors, licensed lenders, and borrowers to interact outside of traditional financial institutions.

One of Loanch's notable features is its potential annual return rate of 13.6%. It allows investments with a starting amount as low as 10 EUR.

To secure investments made through the platform, Loanch offers a Guaranteed Buyback Obligation, which promises to reimburse investments along with the accumulated interest in cases of a payment delay exceeding 30 days.

25. Hive5

Hive5 follows the official EU organization’s list and has the right to supplement countries to the list at its discretion.

Earn by investing in loans and receive up to 14,5% per year. Get started with as little as 10€.

One of the fastest growing platforms in Europe.

Has features such as Auto Investment, investor security and others. Registered in Croatia.

Choosing the Right App for You

Before making any investment, it's important to do your homework. Each platform has unique features, risks, and opportunities. Consider diversifying your investments across multiple platforms to spread risk and explore different types of loans to find the best fit for your investment goals.

Evaluate Your Investment Goals: Consider your financial goals, risk tolerance, and preferred investment sectors. The best P2P lending app for you is one that aligns with your unique investment objectives.
Explore App Reviews: Read user reviews and expert opinions to learn from other investors' experiences and gauge the reliability, customer service, and overall performance of the P2P lending app you're considering.