Best P2P Lending Platforms

Best P2P Platforms In Europe April 2025

Are you looking for Europe's best P2P lending platforms in 2025? Look no further. We have reviewed and tested over 50 different Peer-to-peer lending platforms in Europe. This article lists 11 of the best P2P lending platforms offering investors the highest yield while keeping their investments safe.

Best Performing P2P Platforms

This table reviews the portfolio performance of Europe's best P2P lending platforms. The lower the amount "In Recovery," the better, the lower your investment risk and the higher the chance you will receive the advertised return.

When the percentage of "funds in recovery" is high, it negatively impacts both returns and liquidity. Funds in recovery represent money that neither you nor the platform can currently access, making it unavailable for withdrawals or reinvestment.

To optimize returns, it's advisable to limit exposure to platforms with a substantial portion of funds in recovery or to be very selective about the specific loans you invest in on a given P2P platform.

Additionally, some peer-to-peer lending platforms lack transparency regarding performance-based data, which makes it difficult to assess the overall performance of their portfolios.

It’s crucial to remember that monthly performance can vary, and understanding these fluctuations can help in making informed investment decisions. To identify the best P2P lending platforms, we recommend considering additional factors like liquidity, transparency, track record, and safety mechanisms. 

Our independent reviews of P2P lending platforms take all these variables into account, providing a comprehensive evaluation. If you're interested in seeing our actual returns from P2P lending, you can explore our detailed P2P lending portfolio.

When reviewing and scoring P2P lending platforms, we use our expertise and monitor more than 100 rating variables.

However, this guide will simplify our process and let you know which are the best P2P platforms to invest in April 2025.

You should know that...

Please note that we continuously update the "risk and reward" ratings for specific platforms, making adjustments based on newly available information. This ensures that our evaluations remain accurate and reflect the latest developments in the P2P lending market.

As a result of our thorough due diligence, the selected P2P lending platforms provide a balanced mix of high returns, investor protection, and liquidity. They also offer user-friendly features that make the investment process straightforward and stress-free. 

Let’s dive into Europe’s best P2P lending platforms and explore what makes each of them stand out.

Best P2P Platforms

This table of the best P2P platforms in Europe highlights companies with the strongest current loan book performance and a proven track record in safeguarding investor funds.

It provides a snapshot of platforms that have consistently demonstrated reliability in delivering returns while prioritizing investor protection.

Note that we exclude platforms that lack transparency or where our due diligence has identified significant red flags, such as issues related to management practices or breaches of terms and conditions. Our goal is to recommend only those platforms that meet high standards of trustworthiness and reliability.

Esketit

Esketit Highlights

• Backed by an established lending group
• High-interest rates
• Audited financial statements
• 60-day buyback obligation

Esketit is a P2P lending platform founded by the former owners of AvaFin (previously CreamFinance), a well-established lending group operating in seven markets and issuing over €190 million in loans annually.

Since its inception, Esketit has primarily been used to help finance AvaFin's loan portfolios. As of April 2025, however, Esketit has evolved into a fully developed P2P lending marketplace, offering investments in consumer loans, short-term loans, credit lines, and discounted debts. 

Esketit's strong track record has led to high investor demand, which sometimes outstrips the supply of available loans, resulting in potential cash drag.

New investors should be aware that building a well-diversified portfolio on Esketit may take time, even when using automated investment strategies. However, the platform rewards loyal investors with an average interest rate of 12%, making it an appealing option for those seeking a balance between risk and return.

Want to compare the best P2P platforms? Head over to our ⚖️ P2P lending platform comparison for a quick overview.

PeerBerry

PeerBerry Highlights

• Highest protection of investor's interest
• Automated investment strategies for passive investors
• High liquidity due to short-term loans
• Responsive support

PeerBerry is widely regarded as the most trusted P2P lending platform on the market. Its management has consistently demonstrated a strong commitment to safeguarding investors' funds, exemplified by their recovery of more than 96% of war-affected loans from Ukraine and Russia through a group guarantee, totaling over €48 million in less than three years.

PeerBerry is a well-established P2P marketplace, offering a diverse range of loans from reputable loan originators across the globe. Most of the lenders on PeerBerry are part of the Aventus Group, which provides a buyback and group guarantee on all loans.

However, PeerBerry’s solid track record has led to a higher demand from investors, often exceeding the supply of loans and resulting in cash drag.

This high demand also tends to lower the interest rates for investors with smaller portfolios, with the average rate being around 9% per year for those who do not qualify for the loyalty program. Investors with portfolios exceeding €40,000 can benefit from an additional 1% interest bonus, making PeerBerry particularly attractive for larger investors.

Ready to invest on PeerBerry?

Fintown

Fintown Highlights

• Owned by an established real estate developer
• Easy-to-use platform
• Investments in profitable short-term rental units
• Monthly interest payout from rental yield

Fintown is a Prague-based P2P platform that offers high-yield investments in profitable short-term rental properties and real estate developments in Prague. The platform focuses on raising funds to refinance its equity and expand its portfolio of rental units in the city.

This approach represents one of the most sustainable business models in the P2P lending industry, which is otherwise dominated by payday loan lenders in emerging markets.

Fintown’s unique model provides a valuable opportunity for investors looking to de-risk their portfolios, especially those exposed to the regulatory and geopolitical risks associated with short-term loans in developing countries.

Investors on Fintown who put their money into operational rental units earn monthly interest directly from the rental income, offering a more stable and predictable return. This stands in contrast to other platforms where loan originators must manage loan recoveries and navigate heightened regulatory risks in developing markets.

Looking ahead, investment opportunities on Fintown may become more limited, as the platform plans to refinance only a portion of its equity. Currently, most rental units are financed through equity and a senior bank loan, providing a solid foundation for their business.

Fintown rewards investors who are willing to commit their funds for a longer period with interest rates of up to 14% per year, while those with larger portfolios can benefit from a 1% loyalty bonus.

Are you ready to secure a higher return? Sign up now, invest, and get a €15 bonus.

Crowdpear

Crowdpear Highlights

• Invest in vetted real estate loans
• Minimum investment from €100
• Lower risk and stable cashflow
• Regulated platform

Crowdpear is a regulated crowdfunding platform offering investments in development loans in Lithuania, with interest rates ranging between 10.5% and 12%. All loans on the platform are secured with a first-rank mortgage, providing an added layer of security for investors.

Additionally, Crowdpear features a secondary market, enhancing liquidity and offering investors the opportunity to exit their investments before maturity.

The platform has been developed by the team behind PeerBerry, one of Europe's most trusted P2P lending sites.

While Crowdpear’s diversification options are somewhat limited, and investments must be made manually, it has the potential to deliver a better risk-adjusted return compared to some competitors. However, since Crowdpear has been operating only since early 2023, it has yet to establish a proven track record in loan recovery practices.

Ready to invest on Crowdpear?

Income Marketplace

Income Highlights

• P2P lending marketplace
• Minimum investment from €10
• Functional Auto Invest
• Exposure in Indonesia, Estonia, Mexico

Income Marketplace Overview
Average Interest:	11.81%
Protection:	Buyback + Junior Share
Loan Type:	Consumer
Availability of Loans:	Good (3/5)
Secondary Market:	No
Auto Invest:	Yes
Customer Support:	Very Good (4/5)
Trust Factor:	Good (3/5)

Pros

• Higher investment protection
• Stable returns
• Exposure to emerging markets
• Higher loan availability

Cons

• Short track record
• Limited diversification
• No secondary market

The Income Marketplace is a P2P lending platform that provides an advanced and unique protection scheme, appealing to investors seeking enhanced security for their investments. 

The platform primarily offers short-term and long-term loans from a select group of vetted loan originators. While it's not among the larger players in the market, the performance of its loan portfolio is solid when compared to bigger competitors.

All investments on the platform are secured with a buyback guarantee, adding an extra layer of protection. One advantage of the Income Marketplace is its relatively higher loan availability, along with interest rates that are slightly more competitive than those found on other platforms.

Ready to join the Income Marketplace?

Earn Interest on IncomeRead our Income review.

InRento

InRento Highlights

• High yield of up to 13.81%
• Regulated in Lithuania
• The reasonable due diligence process
• Excellent performance

InRento is a well-performing regulated crowdfunding platform based in Vilnius, Lithuania, primarily offering investments in rental properties that generate monthly rental income. 

Many of the deals on InRento include the opportunity for a fixed or variable capital gain, which can boost returns from investments up to 15% per year. The platform’s portfolio has shown strong performance, earning it a spot among the best P2P lending platforms in our assessment.

Ready to earn passive income?

Capitalia

Capitalia Highlights

• Vetted business loans
• Excellent risk assessment in the Baltics
• A well-performing platform for professionals
• Excellent support

Capitalia is a well-established, smaller peer-to-business platform operating in the Baltics, catering to professional investors seeking exposure to well-performing business loans from Baltic companies.

The platform provides robust customer support, automated investment strategies, and access to a secondary market, enhancing both user experience and liquidity. Unlike many other P2P platforms, Capitalia offers transparency by sharing the performance of its loan book, allowing investors to make more informed decisions.

Ready to invest on Capitalia?

LANDE

LANDE Highlights

• Invest in secured agricultural loans
• Automate your portfolio with Auto Invest
• Low LTV = higher protection
• Earn 10.9% interest per year

LANDE is an appealing alternative crowdlending platform for investors interested in loans secured by unique types of collateral, such as grains or heavy machinery. 

The platform primarily funds business loans with terms ranging from 8 to 24 months, focusing on lending to farmers in Latvia, Lithuania, and Romania. By investing in loans through LANDE, you often provide working capital to farmers who are unable to secure financing from traditional banks.

Investments on LANDE are safeguarded by a commercial pledge, typically backed by the farmer's crop or heavy machinery. When loans are secured by crops, insurance is included to protect investors from potential losses. This type of collateral is generally more liquid than real estate, allowing LANDE to sell the crop more quickly in case of a loan default, unlike property-backed loans on platforms like EstateGuru.

LANDE reports an average Loan-to-Value (LTV) ratio of around 40% for its listed projects, ensuring a sufficient margin to sell the collateral at a profit and cover both the interest and outstanding balance.

While investors may encounter defaulted loans on LANDE, the platform has demonstrated strong loan recovery results, thanks to its solid legal framework and the liquidity of the underlying collateral.