121M+Total Funded
Average annual return across diversified P2P portfolios
P2P lending delivers competitive yields by connecting you directly to borrowers
Where your returns grow faster
Real returns investors are seeing
P2P platforms often show annual returns between 7% and 12%, though actual results depend on loan type and investor choices
10.6M+Interest paid
Typical time for first interest payment to arrive
1.8K+Funded projects
Minimum amount needed to start on most platforms
44.2K+Registered investors
Investors who spread across 50+ loans or more
€2.0M +Provision Fund
Platforms reporting returns over the past five years
Investors receiving payouts
Investors who received at least one interest payment each month.
Rated 4.5 / 5 based on 779 reviews. Showing our 4 & 5 star reviews.
What shapes your actual returns
Six factors that influence how much you earn from P2P investments
Loan grade selection
The equilibrium between potential dangers and beneficial outcomes creates strategic decisions that require careful evaluation of consequences.
Higher grades mean lower default risk but smaller returns. Lower grades can pay more but carry greater loss potential.
Portfolio diversification
Spread reduces impact
Investing small amounts across many loans helps smooth out defaults. Most experienced investors hold at least 100 loans.
Platform default rate
Historical performance matters
Check how often borrowers fail to repay. Lower default rates preserve more of your capital and interest income.
Reinvestment speed
Idle cash costs returns
Money sitting uninvested earns nothing. Auto-invest features help keep your capital working without manual effort.
Loan duration
Longer terms lock capital
Three-year loans may pay higher rates but tie up funds longer. Shorter terms offer flexibility at slightly lower yields.
Secondary market liquidity
Exit options vary widely
Some platforms let you sell loans early. Others require holding until maturity, which affects your ability to react.
Why P2P can deliver better returns
Direct lending cuts out traditional bank overhead, which means more interest flows to you instead of middlemen
0% No branch network to fund
No fees for deposits, investments or withdrawals.
28,003 +Lower operational overhead per loan
A growing community built around transparent investing.
€1,712 +Technology reduces processing costs
Average amount invested by active users each month.
€139 +Competition between borrowers benefits lenders
Average interest paid to active investors each month.
Top platforms by investor returns
Compare annual yields, default rates, and minimum investment amounts across leading P2P lending marketplaces
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years€8000
Start with €50
Average annual return17.6%
Earned return€460
Promotions€0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Tools that help you manage risk
Features worth checking before you commit capital to any platform
Loan performance data
Track defaults and repayment rates by loan type, grade, and borrower profile before choosing
Auto-invest filters
Set criteria for loan grade, term, and amount so your money deploys according to plan
Provision fund access
Some platforms maintain reserves to cover defaults, reducing individual loan losses
Buyback guarantees
Certain originators promise to repurchase delinquent loans after a set period
Secondary market availability
Sell loans before maturity if you need liquidity or want to exit positions
Diversification reports
Visual breakdowns show concentration risk across loan types, terms, and geographies
Payment schedules
See when interest and principal arrive so you can plan reinvestment timing
Historical return calculators
Model potential outcomes based on past platform performance and your allocation choices
Browse available loans now
Live marketplace listings show current interest rates, borrower profiles, and remaining funding needed for each loan opportunity
Explore loans
Real costs that eat into returns
Platform fees and potential losses reduce your gross yield. Here's what investors typically see after accounting for both
€12M+ +Secondary Market volume
Average platform service fee per year
9,308+ +Secondary Market participants
Typical default rate across mixed portfolios
Getting started takes three steps
Open an account and begin investing in under ten minutes
Create your account
Verify identity and link funding
Set investment criteria
Choose loan types and risk levels
Deposit and activate
Transfer funds and enable auto-invest
Rewards for active investors
Some platforms offer cashback, reduced fees, or bonus interest when you maintain consistent investment activity
Referral bonuses
Earn credits for inviting others
Volume discounts
Lower fees at higher balances
Loyalty interest boosts
Extra yield after investing for months
Early access to loans
Priority funding for top-tier borrowers
Join the investor community
Who this works best for
P2P investing suits people who can tie up capital for months or years, tolerate some defaults, and want higher yields than savings accounts. It's not a fit if you need guaranteed principal or instant access to funds.
What we share publicly
All loan performance data, default rates, recovery outcomes, and investor returns are available without logging in. We publish monthly reports on new originations, repayment status, and platform-wide statistics so you can verify claims before investing.
- Updated loan performance metrics
- Default and recovery rate history
- Investor return distributions by cohort
- Platform audit and compliance documents
- Originator financial health scores
- Secondary market pricing data
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about returns
P2P lending platforms commonly deliver annual returns between 7% and 12%, depending on the loan grades selected and portfolio composition. Actual earnings vary based on borrower creditworthiness, platform default rates, and individual risk tolerance. Diversified portfolios across 50+ loans tend to produce steadier results.
Higher-grade loans carry lower default risk but offer smaller interest payments. Lower grades provide bigger returns but expose investors to greater loss potential. Balancing grades across a portfolio helps optimize risk versus reward according to individual goals.
Spreading capital across many loans smooths the impact of individual defaults. Most successful investors hold 100 or more loans to reduce volatility and protect overall returns. Concentrated portfolios face higher loss risk when borrowers fail to repay.
Six key elements shape earnings: loan grade selection, portfolio diversification, platform default history, reinvestment speed, loan duration, and secondary market liquidity. Each factor interacts to determine whether capital grows steadily or faces friction. Investors who optimize all six typically exceed those focusing on just one or two.
Cash sitting uninvested generates zero interest. Platforms offering auto-invest features keep capital working continuously without manual intervention. Faster reinvestment cycles compound earnings over time, significantly boosting annualized returns compared to irregular manual investing.