{"id":272909,"date":"2026-08-13T09:00:00","date_gmt":"2026-08-13T09:00:00","guid":{"rendered":"https:\/\/northern.finance\/unkategorisiert\/the-big-p2p-loan-comparison-the-top-10-best-p2p-platforms-2024\/"},"modified":"2026-10-07T18:47:04","modified_gmt":"2026-10-07T18:47:04","slug":"p2p-platform-rating","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/p2p\/p2p-platform-rating\/","title":{"rendered":"P2P Lending Comparison 2026: The 10 Safest Platforms"},"content":{"rendered":"\n

The P2P sector has developed very positively <\/strong>in recent years and is becoming increasingly professional. Nevertheless, failures such as that of Ventus Energy<\/strong> are causing uncertainty amongst investors.<\/p>\n\n\n\n

So which P2P platform is the safest<\/strong>? In today\u2019s 2026 P2P lending comparison, alongside tried-and-tested criteria such as age, number of investors and profitability, we place a particular focus on the issue of security.<\/p>\n\n\n\n

This gives you a clear overview of all the key details for your future investments and enables you to better assess which P2P platforms<\/strong> are worth considering for you.<\/p>\n\n\n\n

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In brief:<\/strong><\/p>\n

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  • The P2P sector is becoming increasingly established and is gaining ever greater levels of security and trust.<\/li>\n
  • Investors should nevertheless be aware that even the safest P2P platforms carry risks. The higher the interest rates, the higher the risk is usually.<\/li>\n
  • The top three P2P platforms are characterised by their consistency and are among the established providers in the market, trusted by thousands of investors.<\/li>\n
  • Which is the best P2P platform depends on the type of investor and their individual investment objectives. There are various suitable options available, ranging from those for investors who prioritise security to those for investors who prioritise returns.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n

    How P2P lending works: Key information for investors<\/h2>\n\n\n\n

    P2P lending is often regarded as an alternative form of investment<\/strong>, from which investors hope to earn more attractive interest rates than, for example, from traditional instant-access savings accounts \u2013 and often do.<\/p>\n\n\n\n

    Due to the strong growth of the P2P sector, many investors are becoming increasingly interested in starting to invest themselves. However, it is important to understand how P2P lending actually works. This includes understanding the advantages<\/strong> over other investment options, as well as the associated risks<\/strong>.<\/p>\n\n\n\n

    How P2P loans work:<\/strong><\/p>\n\n\n\n

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    • P2P (peer-to-peer) loans are loans in which private or institutional investors lend money to borrowers via an online platform. In return, investors receive interest on their invested capital.<\/li>\n\n\n\n
    • This is how it works: A borrower applies for a loan.<\/li>\n\n\n\n
    • A lender or a lending company finances this loan.<\/li>\n\n\n\n
    • The loan is passed on to investors, in full or in part, via a P2P platform.<\/li>\n\n\n\n
    • Investors receive regular interest payments as long as the loan is repaid as agreed.<\/li>\n\n\n\n
    • Depending on the product and platform, investors often receive between 6% and 10% interest per year.<\/li>\n<\/ul>\n\n\n\n
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      Good to know: <\/strong><\/p> \n

      P2P platforms differ from traditional instant-access savings accounts. These are not bank deposits, but investments in companies or loans that are not covered by statutory deposit protection. <\/p> \n<\/div><\/div><\/div>\n\n\n\n

      The Northern Finance P2P lending comparison works according to these criteria<\/h2>\n\n\n\n

      The Northern Finance P2P lending comparison is now in its sixth round: I have been independently analysing and evaluating the leading platforms since 2020. The ranking is updated several times a year, so you\u2019ll always find the most up-to-date information.<\/strong><\/p>\n\n\n\n

      What sets this comparison apart is that I personally invest large sums with the individual providers and evaluate them from an investor\u2019s perspective. No dry financial jargon, just a focus on the aspects that really matter!<\/strong><\/p>\n\n\n\n

      To do this, I use eight categories<\/strong> that provide excellent insight into the opportunities and risks:<\/p>\n\n\n\n

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

      A perfect P2P platform could score a maximum of 100 points. All ratings are based on genuine, verifiable data and my personal experiences.<\/strong> You can find out more about the amounts I\u2019ve invested and my results so far in my reviews, which I\u2019ve linked for you for each platform.<\/p>\n\n\n\n