Relevant Disclaimer
No information contained on this page constitutes tax, legal, insurance or investment advice. I simply wish to share my personal opinion on multiple P2P lending platforms.
I’m not associated with any of the investment platforms below. Everything presented here reflects my own experience and my own opinion.
My Top P2P Platform Choices
 MONETHERA |  KUETZAL |  ENVESTIO |  FASTINVEST | |
 Type of Loans Available | Business | Real Estate | Scam | Scam | Consumer |
 Average Interest Rate | ~18% | ~0% | ~0% | ~13% |
 Buyback / Secured Loans | Yes (5% fee) | Scam | Scam | Yes |
 Early Exit / Secondary Market | Yes (Buyback) | Scam | Scam | Yes (Buyback) |
 Auto Invest Feature | No | Scam | Scam | Yes |
 Control Over Loans Invested | Yes | Scam | Scam | Yes |
 Money Drag | No | Scam | Scam | No |
 Hidden Fees | No | Scam | Scam | No |
 Loan Duration | 3 months to 1 year | Scam | Scam | 1 month to 1 year |
 Reporting Tool | High Quality | Scam | Scam | High Quality |
 User Experience | High Quality | Scam | Scam | High Quality |
 Sign-up Bonus | WARNING: this is a speculative investment In case you employ my referral link to invest in Monethera you earn 5€ in cash bonus and 0.5% on all investments over the first 90 days in cashback. SPECIAL CASHBACK BONUS: in case you use the promo code: savings4freedom, you will get cashback for 180 days instead of 90 days. This is a limited offer! Only the first 25 accounts to add this promo code enjoy this cashback bonus. | WARNING: Please don’t invest before reading the section aboutKuetzalbelow! Check my Kuetzal account here. | WARNING: the platform closed on January 21st 2020 | WARNING: this is a speculative investment You can create your account and invest in FastInvest by using this referral bonus link. |
 Overall Evaluation | 4/10 | 0 | 0 | 4/10 |
| MONETHERA | KUETZAL | ENVESTIO | FASTINVEST |
 GRUPEER |  ROBOCASH |  MINTOS |  VIVENTOR | |
| Type of Loans Available | Business | Real Estate | Consumer | Consumer | Business | Real Estate | Consumer | Business | Pawnbroking |
| Average Interest Rate | FRAUD | ~12% | ~13% | ~12% |
| Buyback / Secured Loans | Yes (all loans) | Yes (all loans) | Yes (Majority) & No | Yes (Majority) & No |
| Early Exit / Secondary Market | No (Planned) | No | Yes (Secondary Market) | Yes (Secondary Market) |
| Auto Invest Feature | Yes | Yes | Yes | Yes |
| Control Over Loans Invested | Yes | No | Yes | Yes |
| Money Drag | No | No | No | No |
| Hidden Fees | No | No | No | No |
| Loan Duration | 1 month to 1 year | 1 month to 1 year | 1 month to multiple years | 1 month to multiple years |
| Reporting Tool | High Quality | Medium Quality | High Quality | High Quality |
| User Experience | High Quality | Medium Quality | High Quality | High Quality |
| Sign-up Bonus | Since March 2020, Grupeer has suspended all payments to investors. If you still don’t know what happened with Grupeer, make sure you read all about it on the Grupeer Armada website. | 1% investment bonus on your initial investment using this referral bonus link | In case you employ my referral link to invest in Mintos you earn 1% on all investments over the first 90 days in cashback. | You can create your account and invest in Viventor by using this referral bonus link. |
| Overall Evaluation | FRAUD | 6/10 | 8/10 | 7/10 |
| GRUPEER | ROBOCASH | MINTOS | VIVENTOR |
Other Interesting P2P Platforms
 CROWDESTATE |  BULKESTATE |  iban Wallet |  PEERBERRY | |
| Type of Loans Available | Real Estate | Business | Equity | Real Estate | Consumer | Consumer | Real Estate |
| Average Interest Rate | ~15% | ~11% | 2.5% – 6% (daily interest payment) | ~12% |
| Buyback / Secured Loans | No buyback guarantee. Some secured loans available | No / Secured with collateral | Yes (asset backed or property backed loans) | Yes |
| Early Exit / Secondary Market | Yes | No | Yes (immediate) | No |
| Auto Invest Feature | Yes | Yes | By default | Yes |
| Control Over Loans Invested | Yes | Yes | No | Yes |
| Money Drag | No | Yes | No | No |
| Hidden Fees | No | No | No | No |
| Loan Duration | 4 months to multiple years | 3 months to 1 year | 1 day to 5 years | 1 day to multiple years |
| Reporting Tool | High Quality | Medium Quality | Low Quality | High Quality |
| User Experience | High Quality | Medium Quality | High Quality | High Quality |
| Sign-up Bonus | You can sign up and invest in Crowdestate through my referral link. | You can sign up and invest in Bulkestate through my referral link. | You can join the iban wallet referral program and get €25 for every invitee that invests more than €1000 by using this referral link. Make sure to add the referral code – RCARLOS3EG8D – when creating your account! Special Savings4Freedom Blog Bonus: During December and January, every reader who joins iban Wallet will get a 3% interest rate on their iban Wallet Account for 6 months by adding €300 or more using the code XMAS3. Bonus: As a Holiday season gift (until December 31st), by making a deposit in your iban Wallet, you get an extra 1% interest for 90 days. To get the 3,5% interest, simply add the code PLUS1 when adding funds to your Account. The code needs to be inserted after the registration process, at the “top-up” step. Note: this is a bonus which has a minimum deposit amount to be activated, this code needs to be inserted after the registration process, in the top up the account step. | You can sign up and invest in PeerBerry through my referral link. |
| Overall Evaluation | 8/10 | 6/10 | 6/10 | 6/10 |
| CROWDESTATE | BULKESTATE | iban Wallet | PEERBERRY |
 FINBEE |  NEOFINANCE |  MONESTRO |  EKASSA | |
| Type of Loans Available | Consumer | Business | Consumer | Consumer | Consumer |
| Average Interest Rate | ~22% | ~20% | ~20% | ~12% |
| Buyback / Secured Loans | No | Yes & No (deal by deal) | No | Yes | Partial in some cases |
| Early Exit / Secondary Market | Yes, but restrictive | Yes | Yes | No |
| Auto Invest Feature | No | Yes | Yes | Yes |
| Control Over Loans Invested | Yes | Yes | Yes | Yes |
| Money Drag | Yes | No | Yes | No |
| Hidden Fees | No | Yes. A lot and high! | Yes. Withdraw | Yes. Withdraw |
| Loan Duration | 1 year to multiple years | 1 month to multiple years | 6 months to multiple years | 1 day to 1 year |
| Reporting Tool | Medium Quality | High Quality | High Quality | High Quality |
| User Experience | Medium Quality | Medium Quality | Low Quality | High Quality |
| Sign-up Bonus | You can sign up and invest in Finbee through my referral link. | 25€ sign up bonus if you sign up through my referral link. | You can sign up and invest in Monestro through my referral link. | You can sign up and invest in Ekassa through my referral link. |
| Overall Evaluation | 5/10 | 1/10 | 4/10 | 5/10 |
| FINBEE | NEOFINANCE | MONESTRO | EKASSA |
 DOFINANCE |  ESTATEGURU |  VIAINVEST |  REINVEST24 | |
| Type of Loans Available | Consumer | Real Estate | Consumer | Business | Real Estate |
| Average Interest Rate | ~9% | ~11% | ~9% | Impossible to estimate |
| Buyback / Secured Loans | Yes | No | Backed by mortgage | Yes | No | Backed by mortgage |
| Early Exit / Secondary Market | Limited | Only after 90 days | No | No | Restrictive |
| Auto Invest Feature | Yes | Yes | Yes | No |
| Control Over Loans Invested | No | Yes | Yes | Yes |
| Money Drag | No | No | No | Yes |
| Hidden Fees | No | No | No | Yes |
| Loan Duration | 1 month to 1 year | 6 months to 30 months | 7 days to 1 year | Undetermined |
| Reporting Tool | Medium Quality | High Quality | Low Quality | Low Quality (but great property descriptions) |
| User Experience | Medium Quality | High Quality | Low Quality | Low Quality |
| Sign-up Bonus | Enjoy of VIP status offer which gives an extra 1% yield during the first 90 days of your investments if you sign up through my referral link. | Gain 0.5% cashback on every investment made over the initial 3 months through my referral link. | You can sign up and invest in Viainvest through my referral link and gain 10€ in welcome bonus. | You can sign up and invest in Reinvest24 through my referral link. |
| Overall Evaluation | 5/10 | 7/10 | 4/10 | 2/10 |
| DOFINANCE | ESTATEGURU | VIAINVEST | REINVEST24 |
 SWAPER |  DEBITUM |  BONDORA |  FLENDER | |
| Type of Loans Available | Consumer | Business | Crypto | Not transparent | Business |
| Average Interest Rate | ~12% | ~10% | Impossible to estimate | ~10% |
| Buyback / Secured Loans | Yes (Buyback) | Yes & No (deal by deal) | No | No |
| Early Exit / Secondary Market | Yes | No | Yes | Highly Penalizing | No |
| Auto Invest Feature | Yes | Yes | Yes | Yes |
| Control Over Loans Invested | Yes | Yes | No | Yes |
| Money Drag | Some | No | No | No |
| Hidden Fees | No | No | Yes | No |
| Loan Duration | Short-term. 30 days | 15 days to 18 months | 1 month to multiple years | 6 months to 36 months |
| Reporting Tool | Medium Quality | High Quality | Low Quality | High Quality |
| User Experience | Medium Quality | High Quality | Low Quality | High Quality |
| Sign-up Bonus | You can sign up and invest in Swaper through my referral link. | You can sign up and invest in Debitum through my referral link and gain 10€ in welcome bónus. | You can sign up and invest in Bondora through my referral link. | You can sign up and invest in Flender through my referral link. |
| Overall Evaluation | 6/10 | 6/10 | 1/10 | 4/10 |
| SWAPER | DEBITUM | BONDORA | FLENDER |
 RENDITY |  PROFITUS |  COINLOAN |  BITBOND | |
| Type of Loans Available | Real Estate | Real Estate | Business | Consumer | Crypto | Business | Crypto |
| Average Interest Rate | ~6% | ~10% | ~11% | ~7% up to 22% |
| Buyback / Secured Loans | No (secured by mortgage) | No (secured by collateral) | No (secured by crypto assets) | No |
| Early Exit / Secondary Market | No | No | No | No |
| Auto Invest Feature | No | No | Yes | Yes (Fee) |
| Control Over Loans Invested | Yes | Yes | Yes | Yes |
| Money Drag | No | No | No | No |
| Hidden Fees | No | No | Yes. Withdraw | Yes. Transactions |
| Loan Duration | 1 year to 4 years | 6 months to 18 months | 7 days to 3 years | 1 month to 36 months |
| Reporting Tool | Medium Quality | High Quality | Medium Quality | Medium Quality |
| User Experience | High Quality | High Quality | Medium Quality | Medium Quality |
| Sign-up Bonus | You can sign up and invest in Rendity through my referral link. | You can sign up and invest in Profitus through my referral link. | You can sign up and invest in Coinloan through my referral link. | You can sign up and invest in BitBond through my referral link. |
| Overall Evaluation | 3/10 | 5/10 | 3/10 | 3/10 |
| RENDITY | PROFITUS | COINLOAN | BITBOND |
Other alternative asset class platforms to consider:
CRYPTO ASSETS
FOREX and CFDs
ETF’s and STOCKS
Gold, Silver, and Platinum
Operations Facilitator Platforms
