121M+Total Funded
Average annual return across active loan portfolios
Connect with borrowers and build a portfolio that works for you
Lend directly, earn consistently
Built on real lending activity
Transparent returns from a marketplace where individual investors fund loans that banks often overlook or decline
10.6M+Interest paid
Total funded through the platform since launch
1.8K+Funded projects
Active investors building diversified loan portfolios
44.2K+Registered investors
Borrowers successfully funded and repaying loans
€2.0M +Provision Fund
Average time from loan listing to full funding
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.
How peer lending actually works
You fund loans, borrowers repay with interest, you reinvest or withdraw
Browse loan requests
Filter loans by selecting specific credit grades, loan purposes, and repayment terms that match your investment criteria
See what borrowers need funding for, their credit profile, and repayment terms before committing
Fund loans you choose
Start with small amounts
Invest as little as $25 per loan to spread risk across dozens of borrowers in different categories
Earn as borrowers repay
Monthly principal and interest
Payments arrive monthly and can be reinvested automatically or withdrawn to your linked account
Track each loan's status
Live updates on repayments
See which loans are current, late, or fully repaid with detailed performance metrics per investment
Reinvest or withdraw
Control your cash flow
Use repayments to fund new loans automatically or transfer funds out whenever you need liquidity
Manage risk with data
Historical default rates shown
Every loan grade shows past performance so you can adjust allocation based on risk tolerance
Why investors choose peer lending
Higher potential returns than savings accounts with control over where your money goes
0% Returns that can beat traditional fixed income
No fees for deposits, investments or withdrawals.
28,003 +Diversify across hundreds of individual loans
A growing community built around transparent investing.
€1,712 +Choose borrowers by purpose and credit profile
Average amount invested by active users each month.
€139 +Monthly cash flow from loan repayments
Average interest paid to active investors each month.
Featured loan opportunities
Active loan requests from verified borrowers ready for funding today
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.
Control what's in your portfolio
Filter loans by dozens of criteria before committing a single dollar
Credit grade
Choose risk level from A to G based on borrower credit scores and history
Loan purpose
Fund debt consolidation, home improvement, business, or other verified uses
Loan term
Pick 3-year or 5-year repayment periods depending on your liquidity needs
Interest rate range
Set minimum and maximum rates to match your return expectations and risk comfort
Employment status
Filter for borrowers with verified full-time employment or self-employment income
Debt-to-income ratio
Avoid overleveraged borrowers by setting maximum DTI thresholds in your criteria
Inquiries in last 6 months
See how many times a borrower has applied for credit recently
Delinquencies
Exclude borrowers with recent late payments or defaults on previous credit
Active marketplace stats
Live data from loan requests, investor activity, and repayment performance updated throughout each trading day
Explore loans
Platform performance overview
Aggregate metrics from all funded loans showing diversification, default rates, and typical investor portfolio composition
€12M+ +Secondary Market volume
Average number of loans per active portfolio
9,308+ +Secondary Market participants
Net return after defaults and fees
Start lending in three steps
Open an account, deposit funds, and begin selecting loans within minutes
Create your account
Takes about 5 minutes
Link your bank and deposit
Minimum $1,000 to start
Fund your first loans
Manual or auto-invest mode
Rewards for consistent investors
Lower fees and priority access to high-demand loans when you maintain an active portfolio
Reduced service fees
After 12 months of activity
Early loan access
Fund top-rated loans first
Dedicated investor support
Priority email and phone access
Quarterly performance reports
Custom portfolio analysis sent
Join the investor community
What peer lending is (and isn't)
Peer lending matches borrowers with individual investors who earn interest on repayments. However, borrowers may default, investments lack FDIC protection, and liquidating your investment quickly can be difficult if you need immediate access to funds.
What you should know before investing
Peer-to-peer lending involves genuine risk. Borrowers may default despite diversification, causing losses. Returns aren't assured, fees diminish profits, and early loan sales typically require accepting reduced prices. Invest only funds you can afford to lose or commit long-term.
- Default risk on every loan
- No FDIC or government insurance
- Limited liquidity on funded loans
- Fees reduce your stated returns
- Economic downturns increase defaults
- Not suitable for short-term goals
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about peer lending
P2P platforms typically offer annual returns ranging from 5% to 12%, significantly higher than traditional savings accounts or money market funds. Returns come directly from borrower interest payments rather than institutional spreads, allowing investors to capture value normally kept by intermediaries.
New investors often start with mid-grade loans (B to D range) that balance yield potential against default risk. Experienced portfolios frequently mix grades—allocating 30–50% to safer A-grade loans while exploring higher yields in lower grades with smaller position sizes.
Yes. Spreading investments across two or three P2P lenders reduces platform-specific risk and regulatory exposure. Each platform maintains independent loan pools and borrower networks, so diversification strengthens overall portfolio resilience.
Default rates vary by credit grade and platform, typically ranging from 1% to 5% annually across all grades. Most platforms maintain collections teams and may pursue recoveries; investors absorb losses on non-recovered amounts but retain any partial or recovered payments.
Funds are locked into loan terms (usually 3–5 years), though some platforms offer secondary markets where notes can be sold to other investors at discounts. Monthly repayments provide steady cash flow for reinvestment or withdrawal without waiting for loan maturity.
Interest earned on P2P loans is taxed as ordinary income at your marginal tax rate, while any loss from defaults may be deductible as a capital loss. Investors receive 1099-INT forms annually and should consult a tax professional regarding portfolio-specific treatment.