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The Top 10 P2P Lending Platforms Rating 2025: The best platforms compared

In 2025, P2P lending once again delivered excellent results and provided investors with strong, double-digit returns. The market continues to grow and more and more P2P platforms are being added – but which providers will still be worthwhile in 2025? We have compared the best platforms in Europe for you and present our top 10 list!

In brief:

Different P2P platforms offer different advantages (high interest rates, high security, fast availability, etc.)
New providers of P2P loans have made it into our list, while some platforms are no longer in the top 10 due to poor results.
The winner leads our Top 10 list by a narrow margin. But the last places are also extremely exciting.

Contents Hide

1 What are P2P lendings?

2 This is how we have rated the providers of P2P lendings

3 Conclusion: P2P lendings comparison with a new top position

What are P2P lendings?

P2P lending, also known as peer-to-peer lending, is a form of direct financing in which private individuals or companies borrow money directly from other private individuals; this type of lending usually takes place via online platforms that act as intermediaries and connect borrowers with potential investors.

Unlike traditional bank loans, no financial institution acts as an intermediary here. Instead, P2P platforms enable direct interaction between lenders and borrowers, allowing investors to achieve potentially higher returns compared to other investment products and thus easily build up a passive income. Borrowers, on the other hand, often gain access to more favourable interest rates and with less effort.

The way P2P lendings work is relatively simple:

The way P2P lendings work is relatively simple: borrowers post a request for a lending on a P2P platform, stating their financial needs and creditworthiness.
The details are first checked. Depending on the platform and the size of the lending, this is done more or less intensively.
Investors can now view these requests and decide whether they want to invest in these lendings.
Investors do not have to finance a P2P lending on their own, but can contribute a smaller amount. This allows the risk to be spread very well.
In return for their investment, investors receive regular interest payments from the borrower, which are processed via the platform.
At the end of the term, we receive the money lent back. In the event of payment defaults, the P2P platform takes care of collection.

Another advantage of P2P lending is the flexibility it offers both borrowers and investors. Borrowers can take out lendings for a variety of purposes, including consumer lendings, business lendings, mortgages and even specialised lendings for agricultural projects.

Investors, on the other hand, can diversify their portfolios according to their individual risk preferences and return targets. In addition, many P2P platforms have set up secondary markets where investors can sell their lendings early to create liquidity.

P2P lendings have established themselves as an attractive asset class in recent years and play an important role in our financial system!

Investors
Get a new asset class with P2P lendings that is Crisis-proof
– Promises high returns
– Generates regular cash flow
– Ideal for diversification

Borrowers
Have access to lendings through P2P, which often have lower interest rates
– Can be used flexibly
– Can have less bureaucratic hassle
– Are also accessible to disadvantaged and marginalised people

Are P2P lendings worth it at all?

The question of whether P2P lendings are worthwhile depends on several factors. These include, among others:

Your personal investment goals
Your willingness to take risks
Your financial framework
What other investments you have in your portfolio.

The returns you can expect when investing in P2P lendings are definitely attractive and outstrip the interest you receive on fixed-interest investment products, for example. For example, the popular broker Freedom24 currently offers a return of more than 7% on overnight money – an absolute record! However, P2P lendings can easily beat this figure.

Some P2P platforms even offer returns of between 10% and 19%! This means they even rival stocks and ETFs and can easily outperform a traditional 70-30 portfolio, for example.

Another key advantage of P2P lendings is the ease of diversification. Investors can spread their capital across a large number of lendings, which minimises the risk of losses. In addition, many platforms offer buyback guarantees, which further reduce the risk of lending default.

Nevertheless, some dangers remain:

In extreme cases, an entire P2P platform could go bust and you could lose some or all of your investment.
If the borrower defaults on payment and there is no buyback guarantee from the platform, you will have to wait for your money and possibly accept losses.
Wenn der Kreditnehmer mit der Zahlung in Verzug gerät und es keine Rückkaufgarantie von der Plattform gibt, musst du auf dein Geld warten und möglicherweise Verluste hinnehmen.
With most platforms, your invested capital is tied up for a longer period of time. For cases where you need money quickly, some providers have introduced secondary markets. Here you can sell P2P lendings to other investors, but usually at a loss.

These risks must be taken seriously. However, compared to the attractive interest rates and high flexibility offered by P2P lendings, they are manageable for most investors. The market for personal lendings is therefore likely to continue to grow in the future.

But this in turn presents investors with a problem: P2P platforms change their interest rates and other framework conditions, new providers are added, old acquaintances suddenly become unattractive due to innovations … the market is constantly on the move!

The only way to stay up to date and make sure you’re investing your capital in the best possible way is to use our P2P lending comparison!

This is how we have rated the providers of P2P lendings

The market for P2P lendings developed extremely well in 2024: New platforms have been added and the number of investors has grown strongly. This trend is certain to continue in 2025. Due to its size, it is worth making a direct comparison: which provider is the best, who has gained or lost ground and where are the general shortcomings?

We have developed our own rating system to provide a better overview. This makes it easy to compare P2P lending platforms with different offers and specialisations. We look at eight criteria with different weightings and each service provider can earn a maximum of 100 points.

The platforms are evaluated on the basis of these 8 criteria:

Category	Ideal value	Maximum points
Age	Over 5 years	5
Investors	More than 50,000	5
Audited Annual Report	Available	10
Profitability	Achieved profit	10
Regulation	Platform and lender regulated by supervisory authorities	10
Features	Secondary market, auto-invest, German interface, tax report available	20
Ability to pay	Full solvency and no defaults	20
Growth	Growth intact after the crisis and good current developments	20

Good to know:

The following valuation is a personal opinion and not investment advice.

1. Debitum

In our P2P platform comparison, Debitum clearly sets itself apart from the competition: it is the only provider to focus on business lendings. You have been able to lend your money to companies since 2018 and are currently rewarded with interest rates of 12 to 14 per cent.

Unfortunately, not too many investors are active here – and wrongly so! The platform has consistently paid out, even during past crises, but we can only award one out of five possible points for around 18,000 users.

Internally, things are going less well, as the audited annual financial statements show a loss of over 380,000 euros. However, this could be related to the recent strong growth. We should therefore keep a close eye on future developments.

Debitum has recently seen strong growth in the volume of deposits and the size of customer portfolios.

Debitum’s repayments have always worked flawlessly, even during the crisis. Only lendings from Ukraine, which currently make up around 1.8 per cent of the portfolio, have not yet been repaid due to the ongoing war. In our view, however, this does not stand in the way of a full score in terms of crisis resistance.

Overall, Debitum achieved an excellent 81 out of 100 possible points.

2. Viainvest

Viainvest is the subsidiary of the Via SMS Group, which grants lendings in Poland, Sweden, the Czech Republic, Latvia and Romania. Investors on the platform invest in consumer lendings and currently receive around 12% interest per year with a term of up to 6 months.

The latest results from Viainvest look very positive.

The company has been in existence since 2016 and has always paid out its more than 42,000 investors on time during this period. This is why it has been awarded the highest score in the ‘Age’ category and 4 out of 5 possible points for ‘Number of investors’.

The business figures show rising profits since the end of the coronavirus crisis. However, we are still waiting for the audited annual report for 2023 (although it is understandable that 2024 is not yet available), so we immediately deduct 5 points.

Both the platform and the Viainvest Group behind it are regulated by the financial supervisory authorities – a clear 10/10 in our P2P ranking. In terms of features, we unfortunately miss a secondary market. All investments must run until repayment; early resale is not possible. There is also no German translation, so only half points.

During the past crises, Viainvest has been a true anchor of stability in the P2P world and has always paid all investors on time – a great sign! Here you get the maximum score of 20/20.

The future prospects also appear positive and investment volumes are rising continuously. We award 15/20 in the growth category for this strong growth. Overall, Viainvest achieves a good score of 79 out of 100 points.

3. Monetfit Smartsaver

On Monefit, investors invest in consumer lendings from the Creditstar Group. The Creditstar Group has been active for decades and offers its lendings on the P2P marketplace Mintos, for example. However, its own platform Monefit Smartsaver for direct investment in P2P lendings is still quite young, meaning that it only receives 3 out of 5 possible points.

In terms of the number of investors, the company has also had to settle for just one point so far. However, thanks to the very rapid growth, future P2P lending comparisons should undoubtedly score more points here.

An audited annual report is worth a full 10/10 and shows an extremely high profit: Credistar Group earned an incredible €10 million in 2023, making it by far the most lucrative parent company in our comparison. This naturally scores full points for profitability.

In a comparison of P2P platforms, Monefit is clearly similar to its competitor Bondora: investors receive a fixed interest rate of 7.25 per cent per year, which is credited to them daily. You have access to your money at any time (but payout can take around 10 working days) and don’t have to wait for lending periods or anything similar.

You also have the option of paying your capital into a so-called ‘vault’. This increases the interest rate to up to 10.5 per cent per year, but also has a minimum term and is therefore no longer as easily accessible. Overall, the business model here is also ‘solid interest and fast availability’.

Monefit offers P2P lendings from different countries.

Although Monefit itself is not regulated as a platform, all lenders of the parent company Creditstar Group are regulated in their respective countries – as in the case of Bondora. This is why it also scores 5 out of 10 here. With the exception of the secondary market, the platform offers all relevant features – 15/20 points.

During the crisis years, the Creditstar Group was unable to service some lendings on the P2P platform Mintos on time. The arrears rose to over 9 million euros! However, the company was able to work its way out of this unfavourable situation and settle all debts – a good sign that the provider is capable of overcoming problems. We therefore award 15/20 for solvency.

All signs are currently pointing to growth – and this is working quite well, as the latest figures show. We therefore award full marks here. Overall, the Monefit Smartsaver scores a strong 79 out of a possible 100 points.

4. Swaper

Swaper leads our ranking of P2P platforms in terms of interest rates: up to 16 per cent is possible here! The provider has been present on the P2P market since 2016, but has attracted little attention and hardly any investors. It therefore scores full marks for age, but only 2 out of 5 for investors.

The annual financial statements, which score 10/10, show a small but significant profit of EUR 414,000. This also scores full points in the ‘Profitability’ category. It should be emphasised in particular that Swaper is focusing on growth and was still able to achieve a positive result.

The lending provider is regulated, but the platform itself is not. Here we award 5 out of 10 points. Investors will find all the important features, with the exception of a secondary market. However, it is possible to sell current lendings to Swaper, but we still only award 15 out of 20 points.

Past crises have not shaken the provider and all payouts have always been made on time, which is why full marks are awarded here too. There are still some unanswered questions regarding growth, such as regulation in the important Polish market. We therefore only award half the points in this category for the time being.

Overall, Swaper achieves a strong 76 out of 100 points.

5. Mintos

Mintos is a marketplace for P2P lendings and is one of the oldest and largest platforms in the industry. With this experience and over half a million users, it is not surprising that it easily scores full points in the categories

Age
Number of users
Annual report
Profitability
Regulation and
Features

cleared.

However, the interest offered is less attractive: only 10 per cent is currently available, although these results can fluctuate considerably. Investors probably also take a critical view of the interest rate, as there has been no significant growth for a long time – hence only five points from us.

The amount of capital under management has hardly changed since 2019 – not a good sign for the growth of the platform.

The default rate also remains comparatively high and recovery can sometimes take years. We therefore award a generous 10 points for solvency.

Overall, Mintos receives 75 out of 100 possible points, as in our last P2P lending comparison.

8. Bondora Go & Grow

Founded in 2008, Bondora is one of the oldest P2P lending platforms in our comparison and, with 225,000 investors and a profit of 3.3 million euros, it is also one of the most successful. This success is based almost exclusively on the ‘Bondora Go & Grow’ offering.

Here you get 6.75% interest (4% interest for new customers) per year. The payout is daily, you can withdraw your capital at any time and usually have it in your account the following day. Accordingly, you can get by without any features here. Only functions for depositing and withdrawing are available.

However, this ease of use seems to be one of the main reasons for the provider’s continued popularity. It is unlikely to be due to the interest rates, as these are significantly lower than those offered by competitors – putting them at the bottom of our P2P lending comparison.

In addition, it must be critically noted that the platform itself is not regulated, only the lending provider behind it. Furthermore, we have no insight into the lending portfolio, default rates or other important information. Bondora is and remains a black box – in view of its enormous size, this leaves an unpleasant aftertaste.

The rating is therefore as follows: Full points for age, number of investors, existing annual financial statements, features and for the profitability of the platform. Half points each for growth and crisis resistance. Overall, this is enough for a good 75 out of a maximum of 100 points.

Due to better interest rates, I am currently investing my capital in Monefit (obtained with this link*) instead of in Bondora. With Monefit I earn over 7.25% interest, which is significantly more than with Bondora. As a welcome bonus you will only receive €5 and 0.25% extra interest for 90 days on your investment via this link.

7. Lande

Lande is a platform for agricultural lendings that was launched in 2020. You lend your capital to farmers here and receive an average interest rate of 11 per cent in return. However, individual lendings are also available at 13 or even 14 per cent.

Lande offers a variety of different projects. Borrowers need the money for land, machinery, seeds or livestock.

Agricultural machinery, livestock or land, for example, with a low lending-to-value ratio, can be used as collateral. In theory, these assets can be sold quickly to pay off the debts. Unfortunately, due to the young age of the platform, it is not yet possible to say whether this will actually work in a crisis.

Fewer than 10,000 investors are currently active on Lande. An audited annual financial statement from 2023 is available and shows a small loss of 73,000 euros. The company was therefore not yet profitable in 2023 and therefore receives 0 points in this category. The report from 2024 has not yet been published.

The growth is good, but Lande is and remains a small platform. So you shouldn’t expect any miracles here, and we only award half the points. However, the regulation and features look very good and are rewarded with full points. Lande therefore scores a good 71 out of 100 points.

9. PeerBerry

Around 96,000 users are currently active on the PeerBerry platform, which was founded in 2017. They can invest in lendings from the ‘Aventus Group’. Rather than an actual group of companies, however, this is more of a loose association of lending providers.

Audited annual reports showing the group’s profitability are not available, so it remains completely unclear how the platform’s finances are doing. The lenders are regulated, but the platform itself is not.

During the various crises of recent years, PeerBerry has been able to benefit from its large financial reserves and has even repaid Russian and Ukrainian lendings in full. A special feature that other providers could take a leaf out of their book. Hence full marks for solvency.

Growth is also making a very good impression. After a temporary slump, the amounts financed have stabilised again and are now showing attractive growth.

Due to the lack of transparency, PeerBerry unfortunately only receives a weak 65 out of a possible 100 points.

Bonus: Maclear

As a little bonus, we would like to introduce another P2P platform that has piqued our interest and will certainly appear in the next P2P lending comparison: Maclear, a provider of business lendings from Switzerland.

The company shines with high interest rates of 14%, which can be increased to 19% for some projects, full regulation and excellent solvency. You can find out more about this exciting provider in our Maclear experience report.

If you had taken part in the regular P2P lending comparison, the rating would have been as follows:

9. Estateguru

Estateguru is the largest platform for property financing in Europe and investors can currently expect a return of 9%, provided there are no defaults. For a long time, Estateguru had an excellent market position in the P2P lending comparison and was very popular among investors. But then came the current property crisis!

Since 2022 at the latest, the entire property market has suffered greatly – and Estateguru was no exception. Currently 37 % of the portfolio in the so-called ‘active markets’ and even 70 % in the ‘inactive markets’ such as Germany consist of defaulted lendings, which is why our P2P lending comparison scores zero points in the ‘solvency’ category.

More than half of EstateGuru’s portfolio is currently in recovery.

In view of the ongoing problems, it is not surprising that things are not going well financially either. In 2023, the annual financial statements show a loss of a hefty 2.3 million euros (the annual financial statements for 2024 are not yet available). But still better than the previous year’s results: minus 5.9 million!

High costs of €3 for each withdrawal and a cheeky €10 per month for inactive accounts are extremely unpleasant, but we still award full points in terms of features.

Overall, Estateguru loses another five points since our last P2P lending comparison and achieves a meagre final score of 55/100.

Due to the high level of loan defaults currently at EstateGuru, I am currently investing my capital in Viainvest (obtained with this link*). With Viainvest I earn over 13% interest, which is significantly more than with EstateGuru. As a welcome bonus, you will only receive 1% cashback on your investment after 90 days via this link.

10. Ventus Energy

Ventus Energy is a new addition to our P2P lending comparison; the company only entered the market at the end of 2024 and therefore initially receives one point for its age and number of investors. Of course, there is also no annual report or profit yet.

It serves a very attractive niche on the credit market: power plants, solar systems and energy infrastructure. Investors receive an enormous 18 % interest rate, which can be increased even further with a 5 % cashback and other bonuses!

P2P loans comparison Ventus Energy products

Ventus Energy offers investments in a very attractive sector.

In return, however, they also have to invest at least 1,000 euros per lending, which is likely to deter many users. Features such as auto invest would make little sense against this background. We therefore only score 5 points in this category.

Growth has been very good and payments have always been made as planned. However, due to its young age, this is only of limited significance. We would like to give Ventus Energy significantly more points, but we will have to wait and see how things develop, which is why it currently only scores 52/100.

Conclusion: P2P lendings comparison with a new top position

After comparing all ten P2P platforms on the basis of all the important criteria, the following list emerges:

	Age	Investors	Audited annual report.	Profitability	Regulation	Feautures	Ability to pay	Growth	Total
Debitum	5	1	10	0	10	15	20	20	81
Viainvest	5	4	10	5	10	10	20	15	79
Monefit	3	1	10	10	5	15	15	20	79
Swaper	5	2	10	10	5	15	20	10	77
Bondora	5	5	10	10	5	20	10	10	75
Mintos	5	5	10	10	10	20	10	5	75
LANDE	5	1	10	0	10	20	15	10	71
Peerberry	5	5	0	0	0	15	20	20	65
Maclear	1	1	0	0	10	10	20	15	57
Estateguru	5	5	10	0	10	20	0	5	55
Ventus Energy	1	1	0	0	10	20	0	5	52

The leading platform for P2P lendings in the first quarter of 2025 is Debitum! Very good solvency and strong growth have made the difference and propelled the small platform to the top.

Second place is shared by Monefit Smartsaver and Vianinvest. The two providers have very different business models, but both are characterised by strong growth and good solvency.

Swaper also cuts an excellent figure and easily achieves third place. The P2P platform is very profitable and user-friendly, with a very good history of payouts.

The following positions are very close together, with scores between 70 and 75. These P2P platforms each have their own drawbacks, such as lower interest rates or less crisis resistance. However, depending on your financial goals and needs, they can be worthwhile.

Bringing up the rear are Estateguru and Ventus Energy.

However, the reasons for this seemingly poor ranking are very different: Ventus Energy is still an extremely young company that is taking part in our P2P lending comparison for the first time. A score of 52 points is a very good value, because in categories such as annual financial statements or age, you inevitably have to come away empty-handed.

Unfortunately, the same cannot be said for Estateguru – the opposite is true! It is a long-established company that unfortunately cannot reduce its enormous default rates. We therefore recommend investing here very cautiously or switching to other platforms!

FAQ – Frequently asked questions about the P2P lending ranking

1 How do P2P lendings work?

Bei P2P-Krediten stellen private Investoren ihr Geld anderen Privatpersonen oder Unternehmen zur Verfügung und erhalten dafür Zinsen. Der gesamte Vorgang wird von P2P-Plattformen eingefädelt und abgewickelt.

2. How many per cent in P2P lendings?

Sensible maximum values for P2P loans are around 5 % for security-conscious investors, 10 to 15 % for moderate risk and over 25 % for high risk. Also note the different risks of the individual platforms.

3. How secure is P2P?

P2P loans have shown in the past that they can withstand even severe crises. However, as with all high-yield investments, there is a fundamental risk that you should be aware of.

4. Are P2P lendings legal?

Investing in P2P loans is completely legal, it is a normal investment class. However, you must pay tax on the profits. In Germany, this is usually the final withholding tax of 25 %.

About our author

Aleks Bleck is the face of Northern Finance and was already a shareholder, lender and ETF investor at the age of 18. His focus is on P2P loans and passive ETFs. Aleks founded Northern Finance in 2017 while studying business administration in Lu00fcneburg.

He built up the YouTube channel alongside his main job in investment and corporate banking before finally focusing full-time on Northern Finance.

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