The Top 10 P2P Platform Rating 2025: The best P2P platforms compared
Our top 10 P2P platform rating – In times of falling interest rates and a shaky economy, peer-to-peer lending is a safe haven: it still offers high interest rates of over 17%! But there are dramatic differences between the many P2P lending providers.
In this latest edition of my popular P2P lending comparison, I show you which platforms will still be worthwhile in the summer of 2025.
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.
What are P2P lendings?
With peer-to-peer lending, or P2P for short, you use your own money to finance loans for other individuals or companies. This offers you numerous advantages:
- You receive very high interest rates, which can currently reach over 17% per year.
- The investment is made online via P2P providers, who take care of all the important steps for you.
- You don’t have to provide the entire loan amount yourself, but can contribute a smaller sum.
- This means that several investors finance a peer-to-peer loan and also share the risk.
Unlike traditional bank loans, there is no financial institution acting as an intermediary. Instead, P2P platforms enable direct interaction between lenders and borrowers.
In recent years, P2P lending has proven to be an attractive investment option compared to other investments. All three groups involved – investors, borrowers and P2P lending providers – benefit from this arrangement:
1. Investors
P2P platforms give investors like you and me the opportunity to diversify our portfolios and thus reduce risk. In past crises, peer-to-peer lending has performed very well even when stocks or ETFs have suffered heavy losses.
However, the main argument is undoubtedly the excellent interest rates: you receive regular payments that you can use to easily build up a passive income. It is a high-yield investment that easily outperforms most other investments!
2. Borrower
If you need money quickly and easily, for example in emergencies or for refinancing, P2P platforms are the right place for you. Borrowers receive the money much faster than from a bank, can use it flexibly and also provide alternative collateral.
The Lande platform, for example, allows farmers to use their machinery, livestock or future harvest as collateral. In this way, P2P providers also offer people who would have little chance of obtaining a loan from a bank the opportunity to obtain credit.
3. P2P lending providers
Of course, the platforms themselves do not come away empty-handed. They skim off a portion of the interest or charge additional fees to borrowers. This often generates profits of several million euros per year!
I myself had my first experiences with P2P lending over 10 years ago and have since received thousands of euros in interest. This regular income is an important pillar of my portfolio, which has grown to over €400,000 as a result!
This is how we have rated the providers of P2P lendings
The market for P2P lending is growing rapidly – both the number of investors and the number of providers available are continuing to increase. This can make it difficult to keep track of everything! Some platforms have also changed their focus over time, which makes the market even more confusing.
That is why I developed criteria for comparing P2P lending years ago. This system has proven itself time and time again!
Eight weighted criteria are used – some are worth a maximum of five points, while others are worth up to 20:
| 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 |
All reviews are based on real, verifiable data and my personal experience. With one exception, I am personally invested in all of the P2P lending providers featured! You can find out more about the amount I have invested and my results to date in my reviews, which I have linked to each platform for you.
P2P lending comparison: An overview of the top 10 best P2P platforms
The following list provides a brief introduction and rating of each P2P lending provider. The actual ranking follows at the end of this article.
Good to know:
The following valuation is a personal opinion and not investment advice.
Debitum Investments
As one of the few providers in the P2P lending comparison, Debitum Investments focuses on business loans. This makes the platform an extremely exciting investment for anyone looking to diversify their portfolio! Of course, you don’t have to forego high interest rates: 13% is currently possible here.
Unfortunately, only a few investors have taken advantage of this so far: Debitum has only accumulated 24,000 investors since its founding in 2018 – far too few for the high quality, in my opinion! This earns it full points for age, but only two points for user numbers.
Those who chose the platform were not disappointed: payouts always worked as expected, and with the exception of a secondary market, all important features are available. Full regulation, strong growth and an audited annual report round off the very good overall picture.
I have invested over €10,000 with Debitum Investments. You can find out how I invested my capital in my Debitum review.
Bondora
The Estonian P2P lending provider Bondora invented the concept that Monefit is celebrating great success with: Here, too, you don’t invest in individual loans, but make your money available directly to the company. The interest rate is 6%, the lowest in my P2P comparison.
Instead of high interest rates, the main arguments are high flexibility (you can withdraw your capital at any time) and increased security. The provider wants to become a fully-fledged bank and is therefore investing heavily and making large provisions. As a result, profits have shrunk recently, but in 2024 they still stood at an impressive 1.2 million euros.
This also seems to appeal to investors: almost half a million people are active on the P2P platform and, of course, give it full marks. It also achieves the maximum score for age (founded in 2008), audited annual financial statements, features and solvency.
Bondora itself is not regulated, but the lenders are. Due to a recent interest rate cut, I am also deducting 10 points in the ‘Growth’ category. Nevertheless, it is still enough for an impressive 85 points!
My own investment has experienced ups and downs in recent years and currently stands at €3,300. You can find out why this is and how I currently feel about Bondora in my Bondora review.
Lande
Lande has been enabling you to make your money available to farmers since 2020. This is a good thing, for which you are rewarded with an average interest rate of 11%. However, some projects offer up to 16%. Tangible assets such as machinery, livestock or land serve as collateral, which is beneficial to us as investors.
In the past, however, it was far too often necessary to sell this collateral, and this often took a very long time. This results in a point deduction for solvency. Slow growth and the low number of investors also result in point deductions.
Nevertheless, overall, this is a very good P2P lending provider that can hold its own against the competition! In 2024, it achieved a solid profit of €196,000 for the first time, giving it a good rating of 81 points.
Lande currently accounts for around €7,400 of my portfolio. Compared to other P2P lending providers, this is not overwhelming, but it is not a bad value. I particularly appreciate the good diversification that I get here! You can find more information in my Lande review.
Monefit Smartsaver
The third P2P lending provider I would like to introduce to you is Monefit. Here, you invest in consumer loans from the Creditstar Group, which has been operating successfully for decades and most recently posted a profit of over 8 million euros.
Unlike other platforms in my comparison, you do not invest in individual loans here, but make your capital available directly to the company. In return, you receive 7.5% interest and can withdraw your money at any time. Alternatively, you can tie up your assets for a longer period of time and increase your return to up to 10.5%.
Good to know:
While interest rates were falling everywhere, the opposite was true at Monefit! Business was so good that the interest rate was raised from 7.25% to 7.5%!
The offer makes a favourable impression in the evaluation: deductions are made due to its young age, the small (but rapidly growing) number of users and the lack of regulation of the platform itself. I also have to deduct points for the features, as there is no secondary market.
To be fair, however, I should mention that this is not necessary for automatic P2P lending. Only in the case of longer-term loans with 10.5% interest would an early sale be nice. In return, the savings plan offers a new and unique extra.
We must not forget the short-term payment difficulties during the COVID crisis: some loans offered on Mintos could not be serviced at that time. Although this affects Creditstar Group and not Monefit itself, I am deducting five points across the board.
The P2P lending provider has also convinced me for a long time: My investment currently stands at over €12,000 and will continue to grow in the future! You can find out more about my impressions so far in my Monefit review.
Vianinvest
Viainvest also falls into the category of ‘Good offer that receives little attention’. The interest rates offered by this P2P lending provider are slightly lower at 12%, but have been paid out on time since its foundation in 2016.
Here, you invest in loans from the SMS Group, which is active in Sweden, the Czech Republic, Latvia and Romania. The platform is profitable, but takes a long time to publish its annual reports – which costs it points!
There is also no secondary market and no German translation. Apart from that, however, it is an extremely reliable platform that has never disappointed its investors and definitely deserves its 79 points.
With only around €2,400, Viainvest is a smaller position in my portfolio. Nevertheless, I wouldn’t want to be without this provider: over the years, it has been a real anchor of stability and has earned me high interest rates! You can find out more about my success story in my Viainvest review.
Swaper
Swaper is another example of a P2P lending provider in my comparison that has not received the attention it deserves! Since 2016, investors have been reliably earning a very good 16% on consumer loans.
Nevertheless, it has only attracted around 10,000 investors, and it is unclear why there is such a lack of demand. It cannot be due to the company’s data: it recently posted a profit of 3.9 million euros, has always repaid all loans and offers all the important features (except for a translation).
Swaper loses a few points here and there due to minor deductions, primarily due to its lack of growth. As a result, despite its very high interest rates, it ultimately only manages a solid 77 points.
Swaper is a well-known name in my portfolio and currently accounts for almost €5,000. You can find out how my investment will develop in my Swaper review.
7.5%–10.5% interest
Mintos
The best known and largest P2P provider is Mintos. It is a marketplace for a wide variety of P2P products with a focus on consumer loans. The offering was recently expanded to include corporate bonds, a money market fund and real estate investments (via investments in real estate companies).
Bonds are interesting for many investors: even a high-quality broker such as Freedom24 only allows you to invest a minimum of €1,000 per bond. With Mintos, on the other hand, you can get started with as little as €50! This is a clear advantage for the P2P platform.
Founded in 2014, with over 600,000 users, audited annual financial statements, full regulation and all the features you would expect, it naturally scores full marks. Unfortunately, however, there was recently a loss of €2 million, which results in deductions. Points are also lost due to repayments that are not always optimal. Therefore, it only scores 75/100.
Mintos has also been part of my P2P portfolio for over 9 years. During this time, I have received over €1,100 in interest. You can find out what my current investment looks like and how it will develop in my Mintos review.
EstateGuru
The difference could hardly be greater: EstateGuru was once an excellent P2P lending provider for real estate loans that could easily compete with Debitum. A slight decline in demand for real estate in Germany – not even a real crisis – was enough to knock the platform off its throne.
Some investors have been waiting for years for the repayment of defaulted loans. New customers are not told about these problems. At the same time, spending on loan recovery has been reduced, which also does not make a positive impression – but at least ensures a small profit for the platform for the first time.
The promised 10.08% interest is likely to be unattainable in reality due to defaults. Therefore, I give zero points for solvency and only five for growth. Even full marks in the other categories do not make much difference: a weak result of 65/100.
I will continue to withdraw my capital and invest with other P2P lending providers. You can find out more about my mixed results in my EstateGuru review.
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.
Maclear
P2P lending providers are mainly based in the Baltic States. One exciting exception is the Swiss company Maclear! Here, you can take out business loans with interest rates of up to 16.5%, although the average is around 14%.
Unlike many other platforms in my comparison, you don’t have to worry about defaulted loans here: Maclear takes care of the payout and recovers the money itself. This is nice at first, but it also makes the provider vulnerable to crises!
The risk is exacerbated by the lack of an annual report. We have no insight into the internal finances and do not know how the company is doing! However, those who are willing to take risks can earn high interest rates with this young provider. In the P2P comparison, however, it only scores 63 points.
My current investment here is only €1,700, which I may increase as the platform matures. You can find out more in my Maclear review.
PeerBerry
PeerBerry has broken through the 100,000 user mark, making it one of the larger platforms in my P2P lending comparison. Investments are made in loans from the Aventus Group, a loose association of loan originators.
We do not receive any detailed insight into the group’s finances. Instead of an audited annual report, there are only reports from individual companies, which are of little significance. However, everything has gone well so far: investors have always received their interest payments – PeerBerry has even repaid loans from Ukraine out of its own pocket!
However, more and more investors seem to be critical of PeerBerry’s opaque structure: Investments have been declining sharply for some time and collapsed in 2025. Perhaps it is simply the modest interest rates of only 9% that have had a deterrent effect. In any case, it only scores 60 points in my P2P lending comparison.
I personally stay away from PeerBerry: it is the only platform in my comparison that I have not invested in myself! Due to the lack of transparency, this is unlikely to change anytime soon.
Ventus Energy
Ventus Energy is, in my opinion, the most exciting newcomer of recent years! This P2P lending provider offers investments in the energy sector, i.e. power plants, solar plants, infrastructure, etc. This is an exciting field that is not only suitable for diversification, but also generates excellent interest rates: 17% is currently possible here!
With a P2P bonus in the form of cashback, you can easily increase this amount to over 20%! This puts Ventus Energy at the top of my comparison. The very young platform (active since 2024) has attracted 3,000 users so far. Considering the very high minimum investment of €1,000 per loan, this is an impressive achievement!
Ventus Energy offers investments in a very attractive sector.
Of course, such a young and small platform cannot score particularly highly in my P2P lending comparison. Due to numerous deductions, it has to settle for 52 out of 100. However, Ventus Energy could still be worthwhile for risk-tolerant investors!
I myself have invested over €11,000 with Ventus Energy and earn €5.90 in interest every day! You can find out more about this highly lucrative investment in my Ventus Energy review.
Conclusion: Major changes in the comparison of P2P lending providers!
The P2P lending comparison for summer 2025 has a few surprises in store! Here is a look at the scores:
| Age | Investors | Audited annual report. | Profitability | Regulation | Feautures | Ability to pay | Growth | Total | |
| Debitum | 5 | 2 | 10 | 10 | 10 | 15 | 20 | 20 | 91 |
| Bondora | 5 | 5 | 10 | 10 | 5 | 20 | 20 | 10 | 85 |
| LANDE | 5 | 1 | 10 | 10 | 10 | 20 | 15 | 10 | 81 |
| Monefit | 3 | 2 | 10 | 10 | 5 | 15 | 15 | 20 | 80 |
| Viainvest | 5 | 4 | 5 | 10 | 10 | 10 | 20 | 15 | 79 |
| Swaper | 5 | 2 | 10 | 10 | 5 | 15 | 20 | 10 | 77 |
| Mintos | 5 | 5 | 10 | 0 | 10 | 20 | 10 | 15 | 75 |
| Estateguru | 5 | 5 | 10 | 10 | 10 | 20 | 0 | 5 | 65 |
| Maclear | 2 | 1 | 0 | 0 | 10 | 15 | 20 | 15 | 63 |
| Peerberry | 5 | 5 | 0 | 0 | 0 | 5 | 15 | 20 | 60 |
| Ventus Energy | 1 | 1 | 0 | 0 | 5 | 5 | 20 | 20 | 52 |
Debitum is once again the best platform for P2P lending in summer 2025! As usual, excellent repayment statistics, good growth and high transparency secure its top position.
However, there are some new entries in the rankings: Bondora scored points with its reorientation towards greater security, albeit at the expense of lower interest rates. The P2P giant with a long history offers everything that investors want.
Lande has fought its way into third place. The P2P provider for agricultural loans is doing a very good job – even if many investors have ignored the platform so far! Monefit, a direct competitor to Bondora’s business model, is also a young, small provider. However, the signs here point to growth, securing it fourth place.
ViaInvest, Swaper and Mintos are close together. You can also achieve good results here, but you have to accept compromises such as lower interest rates or less crisis resilience.
The picture is quite different at the bottom of the table: Maclear and Ventus Energy are up-and-coming platforms that have not yet been able to score too many points due to their young age. However, they offer very attractive deals that are sure to rise in the future!
PeerBerry and EstateGuru, on the other hand, make a poor impression. One due to its blatant lack of transparency, the other due to disastrous recovery statistics. You should stay away from these two P2P lending providers!
This P2P lending comparison only shows you the top 10 European platforms. New providers such as Indemo and Income Marketplace are added regularly and expand the range. This means that there is something for every type of investor and everyone can build up a passive income with P2P lending!
FAQ – Frequently asked questions about the P2P lending ranking
