P2P Platforms – The ultimate p2p platform comparison table for investors

Last updated:Oktober 1, 2024

Welcome to the P2P platform comparison! With the multitude of P2P platforms for P2P lending, it’s easy for private investors to lose track.

Which is the best P2P platform?
Where is each platform based?
What are the interest rates for P2P loans, and where can I achieve the highest returns?
Is there a buyback guarantee?

To answer all these questions, you will find a P2P platform comparison here, containing the most important information about each P2P platform where I have invested. Additionally, there is a page with detailed tutorials for individual platforms.

Keep checking back regularly, as the lists in the P2P Platform Comparison will continuously grow and evolve over time. Before you start your search, always remember: There is no single best P2P platform. There is only the best P2P platform for you! Find the one that suits you best. Only then will you as an investor be happy with your investment. Now, enjoy the P2P platform comparison!

ᐅ Disclaimer
Please note my disclaimer. I do not provide any investment advice or make any recommendations. I am personally invested in all the P2P platforms I report on. All information is provided without guarantee. Past performance is not indicative of future results. All links to investment platforms are usually affiliate/advertisement links (possibly marked with *), where you can benefit, and I earn a small commission.

P2P platforms in which I am invested

In the following table, you will find the key information of my P2P platforms at a glance (e.g., rating, return, or bonus conditions). If you want to delve deeper into a P2P platform and understand its business model, I recommend checking out my P2P loan experiences.

Returns

WARNING! Average returns of P2P platforms, with possible variations in both directions!

Axia Funder	ca. 20 %
Bondora Go & Grow	6.75 % or 4 % flat with Bondora Go & Grow / Unlimited (Bondora Review)
Capitalia	ca. 10,4 %
Crowdpear	ca. 11,2 % (Crowdpear Review)
Debitum	ca. 14,8 % (Debitum Review)
Esketit	ca. 12,1 % (Esketit Review)
Estateguru	ca. 10,3 %
Fintown	ca. 8 – 15 % depending on project type
HeavyFinance	ca. 12 %
Income	ca. 13,8 % (Income Marketplace Review)
Indemo	ca. 15,0 % (Indemo Review)
InRento	ca. 8,9 %
Lande	ca. 10,9 % (Lande Review)
Lendermarket	ca. 15,6 % (Lendermarket Review)
Mintos	ca. 5,9 % (Mintos Review)
Monefit SmartSaver	ca. 7,25 – 9,96 % (Monefit SmartSaver Review)
Nectaro	ca. 12 – 13,5%
PeerBerry	ca. 11,6 % (PeerBerry Review)
Robocash	ca. 11,8 % (Robocash Review)
Twino	ca. 12 %
Ventus Energy	ca. 18 % (Ventus Energy Review)
Viainvest	ca. 13 % (Viainvest Review)

Buyback obligation

Here you can easily see which platform uses the popular buyback guarantee and when it takes effect (days after payment default).

Axia Funder	No
Bondora Go & Grow	No (however, funds are generally available daily)
Capitalia	No
Crowdpear	No
Debitum	Yes (90 days)
Esketit	Yes (60 days)
Estateguru	No
Fintown	No (but group guarantee)
HeavyFinance	No
Income	Yes (60 days)
Indemo	No
InRento	No
Lande	No
Lendermarket	Yes (60 days)
Mintos	Yes (depending on the chosen loan originator)
Monefit SmartSaver	No (however, funds are available within 10 days anyway)
Nectaro	Yes (60 days)
PeerBerry	Yes (depending on the chosen lender)
Robocash	Yes (30 days)
Twino	No, not necessary anymore due to the asset backed securities.
Ventus Energy	Yes (90 days)
Viainvest	Yes (60 days)

Minimum investment amount

Each platform has an entry barrier. On this page, you can immediately see how high it is.

Axia Funder	1.000 GBP
Bondora Go & Grow	1 EUR
Capitalia	200 EUR
Crowdpear	100 EUR
Debitum	10 EUR
Esketit	10 EUR
Estateguru	50 EUR
Fintown	50 EUR (but smaller amounts are also possible)
HeavyFinance	100
Income	10 EUR
Indemo	10 EUR
InRento	500 EUR
Lande	50 EUR (2 EUR on the secondary market)
Lendermarket	10 EUR
Mintos	50 EUR
Monefit SmartSaver	10 EUR
Nectaro	10 EUR
PeerBerry	10 EUR (50 EUR when using Auto Invest)
Robocash	1 EUR
Twino	1 EUR
Ventus Energy	1.000 EUR
Viainvest	50 EUR

Auto Invest

One of my favorite tools is the Portfolio Builder or Auto Invest. With this, you can almost fully automate your investment. However, not every platform has this feature.

Axia Funder	No
Bondora Go & Grow	Yes
Capitalia	Yes
Crowdpear	Yes
Debitum	Yes (however, temporarily deactivated due to regulation).
Esketit	Yes
Estateguru	Yes
Fintown	No
HeavyFinance	Yes
Income	Yes
Indemo	Yes
InRento	No
Lande	Yes
Lendermarket	Yes
Mintos	Yes
Monefit SmartSaver	Yes
Nectaro	No
PeerBerry	Yes
Robocash	Yes
Twino	Yes
Ventus Energy	Yes and no (compound interest can be reinvested automatically)
Viainvest	Yes

Loan type

On each P2P platform, there is a specific type of loan or project that the platform primarily offers. You can find these listed on the platform.

Axia Funder	Litigation Funding
Bondora Go & Grow	Consumer loans
Capitalia	Business loans
Crowdpear	Real estate loans
Debitum	Business loans
Esketit	Consumer loans
Estateguru	Real estate loans
Fintown	Real estate loans
HeavyFinance	Agricultural loans
Income	Consumer loans
Indemo	Real estate loans (defaulted)
InRento	Real estate loans
Lande	Agricultural loans
Lendermarket	Consumer loans
Mintos	Consumer loans
Monefit SmartSaver	Consumer loans
Nectaro	Consumer loans
PeerBerry	Consumer loans
Robocash	Consumer loans
Twino	Consumer loans
Ventus Energy	Bonds for power plants
Viainvest	Consumer loans

Loan term

Every P2P platform has different loan terms. Some investors prefer short-term investments, while others prefer long-term ones. Here, you can easily find your favorite platform based on your preferred loan term.

Axia Funder	12 – 24 months
Bondora Go & Grow	1 – 60 months (irrelevant for the investment).
Capitalia	12 – 24 months
Crowdpear	12 – 24 months
Debitum	0 – 12 months
Esketit	1 – 12 months
Estateguru	12 – 60 months
Fintown	6 – 60 months
HeavyFinance	6 – 36 months
Income	0 – 25 months
Indemo	12 – 36 months
InRento	24 – 120 months
Lande	8 – 24 months
Lendermarket	30 day bis 9 years
Mintos	1 – 120 months
Monefit SmartSaver	Loans of the “credit line” type with a variable term. However, the term is irrelevant for the investment.
Nectaro	12 – 24 months
PeerBerry	0 – 12 months
Robocash	1 – 24 months
Twino	6 months
Ventus Energy	2 – 3 years (but early exit possible)
Viainvest	6 months

Secondary market

On the secondary market, you can sell your investments and, therefore, it serves as a kind of ejector seat to quickly get rid of your P2P loans if necessary.

Axia Funder	Yes
Bondora Go & Grow	No (but also not necessary, as they are available daily).
Capitalia	No (paused due to the license, but will be back)
Crowdpear	Yes
Debitum	No
Esketit	Yes
Estateguru	Yes
Fintown	No
HeavyFinance	Yes
Income	No (but announced)
Indemo	No
InRento	Yes
Lande	Yes
Lendermarket	No
Mintos	Yes
Monefit SmartSaver	No (but also not necessary, as available after 10 days)
Nectaro	No
PeerBerry	No
Robocash	Yes
Twino	Yes
Ventus Energy	No, but early exit possible
Viainvest	No

Is registered in

Many of the modern P2P platforms in my comparison come from the Baltic states, but not all are registered there. Anyway, I always keep my eyes open to see where else there might be opportunities.

Axia Funder	United Kingdom
Bondora Go & Grow	Estonia
Capitalia	Latvia
Crowdpear	Lithuania
Debitum	Latvia
Esketit	Ireland
Estateguru	Estonia
Fintown	Czech Republic
HeavyFinance	Lithuania
Income	Estonia
Indemo	Latvia
InRento	Lithuania
Lande	Latvia
Lendermarket	Ireland
Mintos	Latvia
Monefit SmartSaver	Estonia
Nectaro	Latvia
PeerBerry	Croatia
Robocash	Croatia
Twino	Latvia
Ventus Energy	Estonia
Viainvest	Latvia

Founded

Most P2P platforms are still quite young. However, there are also a few “dinosaurs” among them, meaning some platforms that have been around for a long time.

Axia Funder	2018
Bondora Go & Grow	2009 (The parent company), the product has been available since 2018
Capitalia	2007 (platform operations since 2018)
Crowdpear	2021 (operating since 2022)
Debitum	2018
Esketit	2020
Estateguru	2014
Fintown	2022
HeavyFinance	2020
Income	2020
Indemo	2022 (operational since 2023)
InRento	2020
Lande	2019
Lendermarket	2019
Mintos	2015
Monefit SmartSaver	2006 (The parent company), the product has been available since 2022.
Nectaro	2023
PeerBerry	2017
Robocash	2017
Twino	2015
Ventus Energy	2024
Viainvest	2016

Rating

You can see the precise point allocation at a glance in a table here. The rating is a German one, however, most of the content should be very clear.

Last Updated 02.07.2024

1.	Mintos	37
2.	Capitalia, InRento	31
3.	Robocash	29
4.	Viainvest, Twino, Debitum, Lande, HeavyFinance	28
5.	Estateguru	27
6.	Bondora, Esketit, Crowdpear	24
7.	Peerberry	23
8.	Indemo	21
9.	AxiaFunder	17
10.	Income Marketplace	16
11.	Monefit SmartSaver	15
12.	Nectaro	12
13.	Fintown	7

Tutorial available?

Over time, I aim to provide basic information for each platform in the form of a tutorial. Here, you can check if there is already a tutorial available for your favorite platform and, if needed, access current information.

Axia Funder	No
Bondora Go & Grow	Yes (All information about Bondora)
Capitalia	No
Crowdpear	Yes (All information about Crowdpear)
Debitum	Yes (All information about Debitum)
Esketit	Yes (All information about Esketit)
Estateguru	No
Fintown	No
HeavyFinance	No
Income	Yes (All information about Income)
Indemo	Yes (All information about Indemo)
InRento	No
Lande	Yes (All information about Lande)
Lendermarket	Yes (All information about Lendermarket)
Mintos	Yes (All information about Mintos)
Monefit SmartSaver	Yes (All information about Monefit SmartSaver)
Nectaro	No
PeerBerry	Yes (All information about PeerBerry)
Robocash	Yes (All information about Robocash)
Twino	No
Ventus Energy	Yes (All information about Ventus Energy)
Viainvest	Yes (All information about Viainvest)

Bonus & Access

Many of the P2P platforms occasionally offer bonuses or cashback promotions. Sometimes, I can even negotiate them for you for a limited period. So, be sure to check back regularly. Typically, I also earn a small commission myself, but this doesn’t disadvantage you in any way and helps support the development of my blog. Thank you!

Axia Funder	No bonus, access through this link.
Bondora Go & Grow	Get 5 EUR for free upon signing up through this link.
Capitalia	No bonus, access through this link.
Crowdpear	1,0% of the invested amount after 90 days through this link. (from 17.09. – 31.10. there is an additional 10 EUR with the code AUTUMN24. Details of the promotion here)
Debitum	1% cashback after 90 days through this link.
Esketit	0.5% cashback after 90 days through this link.
Estateguru	0.5% cashback on your investment for the first 90 days through this link (code EGU31719).
Fintown	2% cashback on your first investment, which is paid out after 3 days, access here.
HeavyFinance	2% cashback after 30 days via this link.
Income	1% cashback (minimum 10 EUR for minimal investment) extra with the code HKJWPH, and starting from a 100 EUR investment. Register here.
Indemo	1.74% – 3.74% instant cashback depending on the investment amount via the “Fast Track” program. With the code “kredithai” you start directly with 2.24%. Access here.
InRento	20 EUR starting credit after the first investment when you sign up as a friend through this link.
Lande	3% cashback after 30 days till 31.10.2024. Register here.
Lendermarket	1% cashback after 60 days. Register here.
Mintos	15 EUR welcome bonus from EUR 1,500 investment, access through this link.
Monefit SmartSaver	0.25% cashback after 90 days through this link + 5 EUR start bonus.
Nectaro	1% on all investments during the first 21 days after registration through this link*.
PeerBerry	0.5% of the invested amount after 90 days through this link.
Robocash	No bonus, access through this link.
Twino	20 EUR bonus through this link with a minimum investment of 100 EUR.
Ventus Energy	1.0% of the invested amount after 60 days via this link*. (until 31.10.2024 there is a 5% early-bird bonus)
Viainvest	1.0% of the invested amount after 90 days through this link.

Loyalty programs

For some time now, several platforms have begun to establish loyalty programs for premium investors, so that you gain an additional advantage as your investment grows. Below, you can see which P2P platforms offer such programs.

Axia Funder	No
Bondora Go & Grow	No
Capitalia	No
Crowdpear	Yes (starting from an investment of 10,000 EUR, you get gradually increasing returns of 0.5 – 1%).
Debitum	No
Esketit	Yes (starting from 25,000 EUR for up to 1% higher returns. More information available).
Estateguru	Yes (benefits are available starting from a historical total volume of 100,000 EUR).
Fintown	Yes (from EUR 10,000 there are advantages in the VIP Club)
HeavyFinance	No
Income	No
Indemo	No
InRento	Yes, early access to projects from a total investment of EUR 50,000 + reduced secondary market fee (1.5% instead of 2.0%).
Lande	No
Lendermarket	No
Mintos	Yes (with an investment of 50,000 EUR, you get a dedicated account manager, etc.).
Monefit SmartSaver	Yes ((from EUR 10,000 0.27% more and then gradually up to 8.33%)
Nectaro	No
PeerBerry	Yes (starting from an investment of 10,000 EUR, you get gradually increasing returns of 0.5 – 1%).
Robocash	Yes (starting from an investment of 20,000 EUR, you get gradually increasing returns of 0.5 – 0.8%).
Twino	No
Ventus Energy	Yes (Founders Reward, 2% more for the first 100 investors who invest more than EUR 100,000)
Viainvest	No

Is the P2P platform regulated?

Here you can quickly see which P2P platform has subjected itself to regulation. Regulations protect you against fraud, and P2P platforms must adhere to certain guidelines set by official authorities.

Axia Funder	Yes (by the FCA)
Bondora Go & Grow	Not as a platform, but as a lending institution in several countries (example of the Estonian Financial Supervision Authority)
Capitalia	Yes (holder of ECSP license)
Crowdpear	Yes (by the Central Bank of Lithuania & holder of ECSP license).
Debitum	Yes (by the Latvian FKTK – Financial and Capital Market Commission).
Esketit	No
Estateguru	Yes (as a lender or crowdfunding operator in several countries, for example in Lithuania).
Fintown	No
HeavyFinance	Yes (by the Central Bank of Lithuania & holder of ECSP license).
Income	No
Indemo	Yes (by the Latvian FKTK – Financial and Capital Market Commission).
InRento	Yes (by the Central Bank of Lithuania).
Lande	No (application for European crowdfunding license is in progress).
Lendermarket	No
Mintos	Yes (by the Latvian FKTK – Financial and Capital Market Commission).
Monefit SmartSaver	Not as a platform, but as a lending institution in different countries.
Nectaro	Yes (by the Latvian FKTK – Financial and Capital Market Commission).
PeerBerry	No
Robocash	No
Twino	Yes (by the Latvian FKTK – Financial and Capital Market Commission).
Ventus Energy	No (but the power plants that are financed are).
Viainvest	Yes (by the Latvian FKTK – Financial and Capital Market Commission).

Is there a smartphone app?

Here you can quickly see which P2P platform offers a smartphone app.

AxiaFunder	No
Bondora Go & Grow	Yes
Capitalia	No
Crowdpear	No
Debitum	No
Esketit	No
Estateguru	No
Fintown	No
HeavyFinance	No
Income	Yes
Indemo	No
InRento	Yes (integrated in Paysera)
Lande	No
Lendermarket	No
Mintos	Yes
Monefit SmartSaver	No
Nectaro	No
PeerBerry	No
Robocash	No
Twino	Yes
Ventus Energy	No
Viainvest	No

Investing since

I have been investing in P2P loans since 2014, and over time, I have accumulated several of them in my portfolio. To better assess my experiences and to see when and where I have invested, here is an overview.

AxiaFunder	2022
Bondora Go & Grow	2015
Capitalia	2024
Crowdpear	2022
Debitum	2019
Esketit	2022
Estateguru	2017
Fintown	2024
HeavyFinance	2024
Income	2021
Indemo	2023
InRento	2022
Lande	2021
Lendermarket	2022
Mintos	2015
Monefit SmartSaver	2022
Nectaro	2023
PeerBerry	2018
Robocash	2017
Twino	2016
Ventus Energy	2024
Viainvest	2017

Withholding tax?

For some P2P platforms, you need a residency certificate to reduce or completely avoid withholding tax. Here is a list showing where you need a certificate, how much withholding tax is retained, and where there is none. Further guidance on how to handle each platform can always be found in the respective tutorials.

AxiaFunder	No certificate required, no withholding tax deduction.
Bondora Go & Grow	No certificate required, no withholding tax deduction.
Capitalia	Yes, you need a certificate to reduce the withholding tax to 10%, otherwise, you’ll pay 20%.
Crowdpear	Yes, you need a certificate to reduce the withholding tax to 10%, otherwise, you’ll pay 15%.
Debitum	No certificate required, a flat 5% withholding tax is deducted.
Esketit	No certificate required, no withholding tax deduction.
Estateguru	No certificate required, no withholding tax deduction.
Fintown	No certificate required, no withholding tax deduction.
HeavyFinance	Yes, you need a certificate to reduce the withholding tax to 10%, otherwise, you’ll pay 15%.
Income	No certificate required, no withholding tax deduction.
Indemo	No certificate required, a flat 5% withholding tax is deducted.
InRento	Yes, you need a certificate to reduce the withholding tax to 10%, otherwise, you’ll pay 15%.
Lande	No certificate required, no withholding tax deduction.
Lendermarket	No certificate required, no withholding tax deduction.
Mintos	No certificate required, a flat 5% withholding tax is deducted.
Monefit SmartSaver	No certificate required, no withholding tax deduction.
Nectaro	No certificate required, a flat 5% withholding tax is deducted.
PeerBerry	No certificate required, no withholding tax deduction.
Robocash	No certificate required, no withholding tax deduction.
Twino	No certificate required, a flat 5% withholding tax is deducted.
Ventus Energy	No certificate required, no withholding tax deduction.
Viainvest	No certificate required, a flat 5% withholding tax is deducted.

FAQ – P2P Platform Comparison: How do I find the right P2P platform?

The P2P platform comparison shows that there are damn many P2P platforms, and it’s very difficult to decide on just one in the end. Ultimately, though, many things don’t really matter as long as you consider some key factors. Here’s a list of questions that you frequently come across on the internet.

✅ Which P2P platform is the best?

It is impossible to say definitively because everyone has different goals. The largest and most popular platforms are typically Bondora, Mintos & Estateguru. To find the best P2P platform for you, the P2P platform comparison is the best starting point.

✅ What should I definitely consider when choosing a P2P platform?

Safety comes first. Pay particular attention to a long track record and the P2P platform ideally being regulated when making your selection. You can find good indicators in the P2P platform rating.

✅ What investment period do I pursue with P2P loans?

It is extremely important for you to know how long you want to tie up your money. If you invest in loans with a maturity of 2 years, but you only intend to park the money on the P2P platforms for the short term, it’s not ideal. In such cases, platforms like Monefit SmartSaver are more suitable.

✅ Which types of loans are important to me on P2P platforms?

Not everyone wants to invest in consumer loans, and that’s perfectly okay. Maybe someone also doesn’t want to invest in real estate loans because they are already well-positioned in that area. So, ask yourself where you want to invest precisely.

✅ How important is a stable cash flow to me in P2P loans?

Some loans only pay out the interest at the end of the term. However, many people use P2P loans to build a cash flow that supports them financially on the side or even finances their entire life. If you need a stable income, you must make your decision accordingly. For example, I am a big fan of Bondora Go and Grow.