121M+Total Funded
Average annual return for active lenders
Connect with borrowers and skip the bank fees
Lend directly, earn better returns
How the platform performs
Real figures from lenders and borrowers using the platform to fund loans and earn returns on their investments
10.6M+Interest paid
Loans funded through the platform
1.8K+Funded projects
Average time to fund a loan request
44.2K+Registered investors
Default rate across all loan categories
€2.0M +Provision Fund
Active investors currently lending on the platform
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 to peer lending works
The basic process from signup to first loan
Create your account
Create an account as either a lender to provide funds or as a borrower to request financing
Verify your identity and link your bank account to start participating in the marketplace
Browse available loans
Filter by risk and return
Review borrower profiles, credit grades, and loan purposes before choosing where to invest
Fund loans or request one
Start with any amount
Lenders can invest small amounts across multiple loans while borrowers get competitive rates
Track your portfolio
Monitor payments in real time
See monthly repayments, track returns, and reinvest earnings to compound your interest
Auto-invest option
Set criteria and automate
Define your risk level and investment size then let the system match you with suitable loans
Secondary market access
Sell loans before maturity
Exit early by listing your loan parts on the secondary market if you need liquidity
Why lenders choose this approach
The main reasons investors prefer peer to peer lending over traditional savings accounts
0% Higher returns than most savings accounts
No fees for deposits, investments or withdrawals.
28,003 +Choose your own risk level
A growing community built around transparent investing.
€1,712 +Diversify across hundreds of loans
Average amount invested by active users each month.
€139 +Support real people and businesses
Average interest paid to active investors each month.
Featured loan categories
Browse by purpose, credit grade, or loan term to find investments matching your strategy
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 to manage your investments
Features that help you control risk and optimize returns
Portfolio diversification calculator
See how spreading investments affects your overall risk exposure and potential returns
Risk grade filters
Sort loans by credit score, income verification, and repayment history before investing
Auto-sell on secondary market
Automatically list underperforming loans for sale to free up capital for better opportunities
Custom watchlists
Save interesting loans and get alerts when similar opportunities match your criteria
Repayment schedules
View exact dates and amounts for upcoming payments across your entire loan portfolio
Tax reporting dashboard
Export earnings statements and loss documentation formatted for your tax filing needs
Performance analytics
Compare your actual returns against platform averages and your target benchmarks
Reinvestment settings
Choose whether repayments automatically fund new loans or accumulate in your cash balance
Explore the loan marketplace
Search active loan requests by amount, purpose, interest rate, and borrower credit profile to build a portfolio matching your investment goals
Browse loans
Platform growth indicators
Key metrics showing how the marketplace has expanded and how lenders are performing compared to traditional investment options
€12M+ +Secondary Market volume
Year-over-year growth in total loans funded
9,308+ +Secondary Market participants
Lenders who reinvest their returns automatically
Get started in three steps
From signup to first investment in under 10 minutes
Verify your identity
Link bank and confirm details
Deposit your first amount
Fund your lending account
Select loans to fund
Manual or auto-invest mode
Rewards for active lenders
Earn bonus rates and priority access to premium loans based on your lending activity and portfolio size
Priority loan access
See new loans first
Rate boost for large portfolios
Extra return percentage
Referral bonuses
Earn when friends invest
Lower secondary market fees
Reduced selling costs
Join the lender community
What peer to peer lending actually means
You directly fund loans to individuals or businesses. They repay you with interest, which becomes your profit. No bank takes a percentage. The platform simply matches lenders with borrowers and manages transactions.
What we show before you invest
Every loan listing includes borrower credit grade, verified income status, debt-to-income ratio, loan purpose, and full repayment history if they've borrowed before. You decide what level of risk fits your goals. We don't hide the default rates or late payment statistics.
- Credit score and verification status
- Full repayment schedule with dates
- Historical default rates by grade
- Borrower employment and income check
- Loan purpose and use of funds
- Secondary market liquidity for that grade
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about lending
Active lenders on the platform earn an average annual return significantly higher than traditional savings accounts. The exact figure depends on loan selection and risk tolerance, but competitive returns are achieved through diversified lending across multiple borrowers.
The platform funds loan requests within a short average timeframe, allowing borrowers to access capital rapidly. Funding speed depends on loan amount, borrower profile, and current investor activity on the marketplace.
Historical default rates across all loan categories remain low, reflecting the platform's credit assessment and borrower vetting process. Risk varies by loan grade, with higher-risk categories typically offering better returns to compensate investors.
Yes. The secondary market allows lenders to sell their loan portions before maturity if liquidity is needed. Pricing on the secondary market reflects current interest rates and remaining loan terms.
Set your desired risk level and investment amount once, and the system automatically matches you with eligible loans meeting your criteria. This removes the need for manual loan selection while maintaining your specified investment parameters and preferences.
Banks charge fees and offer minimal interest on savings, while peer-to-peer lending connects savers directly with borrowers for better rates on both sides. Investors control where their money goes and borrowers access competitive rates without institutional overhead.