The Best Peer to Peer Lending Platforms for Investors in Europe

Choosing a trustworthy peer to peer (P2P) investment platform isn’t easy. During our research we found over 100 P2P lending platforms that accept investors from European countries. The ones listed below are the most transparent, innovative, having the best user experience and reviews online. These platforms allow individuals to finance loans and business projects of other companies or individuals (e.g., consumer loans, real estate projects, or business financing).

As an investor, you get interests which start from 6% and can be as high as 28% per annum. Of course, in most cases, the higher the interest rate, the higher the risk, so take a good look at a project before investing in it.

Best Rated P2P and Real Estate Investment Platforms in 2021

1 EstateGuru Review
9
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EstateGuru Review
Looking for a safe and reliable way to invest in real estate? EstateGuru offers solutions for long-term investments, with average interest rates of 12% and a payback period of between six and 60 months.

EstateGuru is an Estonian-based real estate investment platform. It facilitates investment in real estate and enables businesses to borrow money for development projects on terms that are less complicated than those offered by banks.

From as little as €50, investors from more than 45 countries have taken the opportunity to invest in projects located in the Baltic states (Lithuania, Latvia, Estonia). The mobile-friendly website is convenient to use, while registration is quick and easy. The platform boasts a time-saving, automatic investment feature with no additional fees. An attractive loyalty programme encourages members to sign-up friends to receive a 0.5% bonus on the amount invested. While clients rate service as satisfactory, some report that the speed of service is slow and payments are sometimes late.

Website
8
Service Quality
9
Customer Service
8
PROS:
  • Solid average interest rates
  • Low risk
  • No additional fees
CONS:
  • Limited automatic investment possibilities
  • Payments that are sometimes late
2 Crowdestor Review
8.9
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Crowdestor
Crowdestor is a great platform for both beginner and advanced investors. Its range of businesses and projects enable users to choose an attractive investment opportunity to suit their needs. From as little as €50, investments can earn interest rates from 12% to 36%, with an average rate of 17.06%. The registration process is simple, each project has detailed descriptions and the platform does not charge investors any additional fees. Although the company is regulated by the laws of the Estonian government and an internationally experienced financial regulatory agency, every investor takes a risk as there is no 100% money-back guarantee. In addition, Crowdestor does not have an automatic investment feature. Also, there are only about five new projects listed per month, so this platform is not the best choice for people wishing to diversify their investments.
Website
8
Service Quality
8
Customer Service
7
PROS:
  • No additional fees
  • Big interest rates
  • You can invest in different projects
CONS:
  • There is no automatic investment feature
  • There are few possibilities to diversify investments
  • The site lacks more detailed information
3 Mintos Review
8.8
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Mintos
Mintos is a popular peer-to-peer (P2P) platform for both beginner and experienced investors, with investments accepted from just €10. Favourable conditions are created for diversification of investments, with the average interest rate being 12.5%. The company has an informative website, a user-friendly mobile app and an integrated ChatBot that answers most questions. To ensure security, Mintos provides a return-on-investment guarantee if a loan is not repaid within 60 days. Most clients are satisfied with the platform, its automatic investment features and various strategies, but a few distrust it due to delayed refunds. In addition, Mintos charges a relatively high fee of 0.85% when selling an investment on the secondary market.
Website
8.5
Service Quality
8
Customer Service
9
PROS:
  • User-friendly mobile app;
  • Different investment strategies and diversification choices;
  • Automatic investment function.
CONS:
  • Does not work in the UK;
  • Additional fee for currency exchange;
  • High tax on investments sold on the secondary market.
4 Profitus
8.6
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Profitus
Profitus is a young, but very promising platform that allows quickly and conveniently invest in real estate projects, amounts starting from 100 Euros. This helps to invest even for people who have little interest in this field but want to employ their money safely. Using the website is convenient. Both registration and filling in applications are easy for investors and those who want to borrow. Since the company acts as an intermediary between the investor and the real estate developer, if Profitus ceases its operations, the property (mortgage) will remain with the investors by law.
Website
9
Service Quality
8
Customer Service
9
PROS:
  • Simple and convenient to use
  • Low risk
  • Good customer service
CONS:
  • The average annual interest rate is slightly lower than other similar platforms
5 Lenndy
8.4
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Lenndy
Lenndy is a great choice if you are looking for a P2P investment platform. The company offers a relatively high interest rate of 11-15%, and since you invest in short-term loans, the returns can be seen immediately. The platform provides an opportunity to invest small amounts (starting from 10 Euros) and divide them into several investments. Investors enjoy convenient website, easy registration, pleasant customer service. Although the company currently has a high reputation and fulfills all obligations, you should keep in mind that each investor takes the risk - deposits here do not have 100% protection against losses and are not insured or protected by state law.
Website
9
Service Quality
8
Customer Service
9
PROS:
  • Convenient website and registration;
  • You can invest from 10 Euros;
  • Automatic investment feature;
  • Interest rate up to 15%.
CONS:
  • If investors want to sell loans, there is an additional 5% fee for each transaction;
  • Here you can invest in short-term loans, so the platform will not be suitable for who seeks to invest for 12-36 months' period;
  • Although Lenndy's fulfillment of obligations is currently 100%, deposits here are not additionally insured or protected by state law.
6 PeerBerry
8.2
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PeerBerry
PeerBerry is a convenient investment platform, which specializes in short-term loans. This means that the platform is suitable for beginners or those who want to invest and get returns quickly.  Loans here are quite small and because of that some people might feel their investments limited.  You can invest as little as 10 Euros, and the average interest rate is 10.04%. The PeerBerry platform is owned by the Aventus Group, which has several lending companies in Europe. The company not only provides a repayment guarantee if the borrower is 60 days late, but also has agreements with Aventus Group and Gofingo Group that guarantee that they will cover all of PeerBerry's financial obligations to investors in the event of insolvency.
Website
9
Service Quality
8
Customer Service
8
PROS:
  • Low risk
  • Repayment guarantee
  • Convenient website
CONS:
  • Low average interest rate
  • Short-term investments
  • Limited investment amounts
7 NEO Finance
7.8
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NEO Finance
NEO Finance is a peer-to-peer lending platform where you can invest from 10 Euros and expect an average interest rate of 12%. The average loan taken by NEO Finance borrowers is 2,757 Euros, and the average loan duration is 50 months. The company is the only one in Lithuania that has an EMI license, which protects the invested assets and guarantees that they will be returned. NEO Finance activities are also regulated by the Bank of Lithuania. The company does not make empty promises of a 100% refund guarantee and provides all information about the terms on the website. Perhaps the biggest disadvantage for investors is that customers from countries other than Lithuania have additional fees and this may discourage them from choosing this platform. Customers also complain about an inconvenient system, unnecessary form filling and so on. NEO Finance can be a perfect choise for those who like to diversify investments across different platforms or for people who are residents of Lithuania.
Naudojimasis svetaine
8
Paslaugų kokybė
7
Klientų aptarnavimas
7
PROS:
  • The platform is licensed by EMI;
  • You can invest from 10 Euros;
  • Automatic investment feature;
  • Interest rates up to 12%.
CONS:
  • It is not always convenient to use the system
  • Additional fees for investors who are not from Lithuania

Updated – 01.04.2021

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