European P2P Lending Platforms in 2021

We created an overview so you can make the best and safest investment possible. We might get a fee from referring when someone clicks through our website to one of the platforms we compare. In any case, this does not affect our recommendations or comparisons.

The P2P lending platforms listed operate in Europe, where an investor can start with as little a 10 EUR. Investments are either backed by a buyback guarantee or another form of collateral. When you open up an account, in most cases a bonus or promo code is available as well. 

A Selection of the Best European P2P Lending Platforms in 2021

Invest in business loans across Europe backed by real estate via P2P platform EstateGuru.

  • Bonus:  0.5% bonus over the amount invested during the first 90 days
  • Area of operation: Germany, Spain, Finland, the Baltics, others
  • Average annual return: 11.72%
  • Secondary market: available
  • Minimum investment amount: 50 EUR
  • Automatic investment to easily invest large amounts

EstateGuru is one of the best P2P platforms at this moment and has funded over 388 million EUR in loans (July 2021) with no loss of money for investors. Almost all loans are backed by first ranked mortgage and the amount of loans available is high, which makes it an interesting platform to invest with.

Invest in short-term and long-term consumer loans across Europe, with protection of a buyback guarantee on the Lendermarket platform.

  • Bonus: 1% for the first 90 days
  • Area of operation: Poland, Spain, Finland, the Baltics, others
  • Fixed annual return: 14%
  • Secondary market: not available
  • Minimum investment amount: 10 EUR
  • Automatic investment to easily invest large amounts

Lendermarket is a P2P platform created by Creditstar, a major finance company in Europe. Creditstar is regulated in the countries they operate in, have solid and consistent financial results and offer fairly high interest rates (in relation to the risks) to its investors. Definetely a platform to consider, it is in our Top 5 Platforms.

With P2P market leader Mintos you can invest in consumer and business loans worldwide, most of which are covered by a buyback guarantee.

  • No bonus available
  • Area of operation: worldwide
  • Average yearly return: 10.75%
  • Secondary market: available
  • Minimum investment amount: 10 EUR
  • Automatic investment to easily invest large amounts

Mintos is the most popular marketplace for investing in loans. It offers a wide variety of lending options, ranging from business loans to mortgages from over 60+ lenders. An outstanding platform, however the amount of loans and options available might be overwhelming for the starting investor. It is important to pick the right loan originators, the quality of them varies.

Invest in short-term consumer loans with VIAINVEST safeguarded with a buyback guarantee.

  • No bonus available
  • Area of operation: Poland, Spain, Romania, Philippines
  • Fixed annual return: 10.75%
  • Secondary market: not available
  • Minimum investment amount: 10 EUR
  • Automatic investment to easily invest large amounts

VIAINVEST offers consumer and business loans to invest in. An easy to use platform backed by a parent company that has a solid track record in finance. The amount of loans available can be limited sometimes and therefore less suitable for investors with large sums to invest.

Get as much as 12% annual return by investing in P2P consumer loans, all of them covered by a buyback at the PeerBerry marketplace.

  •  0.5% bonus over the amount invested during the first 90 days
  • Area of operation: Poland, Lithuania, Czech Republic, Asia
  • Fixed yearly return up to 12%
  • Secondary market: not available
  • Minimum investment amount: 10 EUR
  • Automatic investment to easily invest large amounts

PeerBerry mostly offers personal loans to invest in. The website is very neat and simple to use. The rates are fair, all loans come with a buyback guarantee and PeerBerry is backed by a profitable company. Definitely one of the better platforms in this area.

Earn on average 8-9% per year by investing in consumer loans, all of them backed by a buyback guarantee of the Placet Group.

  •  No bonus available
  • Area of operation: the Baltics
  • Fixed yearly return up to 9%
  • Secondary market: One Click Exit: immediately sell your investment and get your money instantly booked into your account
  • Minimum investment amount: 10 EUR
  • Automatic investment to easily invest large amounts

Moncera as a platform is fairly new and mostly offers personal loans to invest in. Additionally, you can invest in real estate as well. The rates are a little bit lower on average compared to its competitors, but you can sell your investment instantly if you feel the need to. Moncera is owned by the Placet Group, a solid and profitable group which also offers its loans on the Mintos.

Investing with Robocash gets an investor returns of around 12% annually. All investment opportunities are covered by a buyback.

  •  1% bonus over the amount invested during the first 90 days
  • Area of operation: Spain, Kazakhstan, Singapore, the Philippines.
  • Fixed yearly return up to 14%
  • Secondary market: not available. 
  • Minimum investment amount: 10 EUR
  • Investing with Robocash is fully automatic. You deposit the money and it will be invested based on the parameters set by the investor.

Robocash offers loans to invest in originating from Asia and Europe. Robocash is a very profitable company, has audited results and withstood the COVID19 crisis with relative ease. The returns are very competive and Robocash is clearly one of the platforms to consider when investing.

HeavyFinance is offering loans using farm equipment as collateral. Rates are very attractive, up to 14% on yearly basis.

  •  2% bonus over the amount invested during the first 30 days
  • Area of operation: the Baltics
  • Fixed yearly return up to 14%
  • Secondary market: available
  • Minimum investment amount: 100 EUR

Although HeavyFinance is rather new as a platform, and this form of P2P financing as well, the team behind it has more than sufficient expertise in this field. Also, there are plenty of loans to invest in and the risk-reward ratio is very attractive due to the solid collateral.

What do you think? Let us know in the comments section below!

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