Compare P2P Lending Platforms

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 @ Savings4Freedom
MONETHERA
Kuetzal @ Savings4FreedomKUETZALEnvestio @ Savings4FreedomENVESTIOFastInvest @ Savings4FreedomFASTINVEST
Type of Loans @ Savings4FreedomType of Loans AvailableBusiness | Real EstateBusiness | Real EstateBusiness | Real EstateConsumer
Interest Rate @ Savings4FreedomAverage Interest Rate~18%~19%~16%~13%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansYes (5% fee)Yes (10% fee) & No (case by case)Yes (5% fee)Yes
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketYes (Buyback)Yes (Buyback)Yes (Buyback)Yes (Buyback)
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureNoNoYesYes
Control over loans @ Savings4FreedomControl Over Loans InvestedYesYesYesYes
Money Drag @ Savings4FreedomMoney DragNoNoYesNo
Hidden Fees @ Savings4FreedomHidden FeesNoNoNoNo
Loan Duration @ Savings4FreedomLoan Duration3 months to 1 year1 year to 3 years4 months to 1 year1 month to 1 year
Report Quality @ Savings4FreedomReporting ToolHigh QualityMedium QualityHigh QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceHigh QualityMedium QualityHigh QualityHigh Quality
Sign up bonus @ Savings4FreedomSign-up BonusIn 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.
In case you employ my referral link to invest in Kuetzal you earn 5€ in cash bonus and 0.5% on all investments over the first 180 days in cashback.In case you employ my referral link to invest in Envestio you earn 5€ in cash bonus and 0.5% on all investments over the first 270 days in cashback.You can create your account and invest in FastInvest by using this referral bonus link.
Evaluation @ Savings4FreedomOverall Evaluation9/109/109/108/10
Monethera @ Savings4FreedomMONETHERAKuetzal @ Savings4FreedomKUETZALEnvestio @ Savings4FreedomENVESTIOFastInvest @ Savings4FreedomFASTINVEST


Grupeer @ Savings4FreedomGRUPEERRobocash @ Savings4FreedomROBOCASHMintos @ Savings4FreedomMINTOSViventor @ Savings4FreedomVIVENTOR
Type of Loans @ Savings4FreedomType of Loans AvailableBusiness | Real EstateConsumerConsumer | Business | Real EstateConsumer | Business | Pawnbroking
Interest Rate @ Savings4FreedomAverage Interest Rate~13%~12%~13%~12%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansYes (all loans)Yes (all loans)Yes (Majority) & NoYes (Majority) & No
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketNo (Planned)NoYes (Secondary Market)Yes (Secondary Market)
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureYesYesYesYes
Control over loans @ Savings4FreedomControl Over Loans InvestedYesNoYesYes
Money Drag @ Savings4FreedomMoney DragNoNoNoNo
Hidden Fees @ Savings4FreedomHidden FeesNoNoNoNo
Loan Duration @ Savings4FreedomLoan Duration1 month to 1 year1 month to 1 year1 month to multiple years1 month to multiple years
Report Quality @ Savings4FreedomReporting ToolHigh QualityMedium QualityHigh QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceHigh QualityMedium QualityHigh QualityHigh Quality
Sign up bonus @ Savings4FreedomSign-up BonusIn case you employ my referral link to invest in Grupeer you earn 1.25% on all investments over the first 6 months in cashback.1% investment bonus on your initial investment using this referral bonus linkIn 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.
Evaluation @ Savings4FreedomOverall Evaluation8/106/108/107/10
Grupeer @ Savings4FreedomGRUPEERRobocash @ Savings4FreedomROBOCASHMintos @ Savings4FreedomMINTOSViventor @ Savings4FreedomVIVENTOR

Other Interesting P2P Platforms

Crowdestate @ Savings4FreedomCROWDESTATEBulkEstate @ Savings4FreedomBULKESTATEiban wallet @ Savings4Freedom
iban Wallet
Peerberry @ Savings4FreedomPEERBERRY
Type of Loans @ Savings4FreedomType of Loans AvailableReal Estate | Business | EquityReal EstateConsumerConsumer | Real Estate
Interest Rate @ Savings4FreedomAverage Interest Rate~15%~11%2.5% – 6% (daily interest payment)~12%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansNo buyback guarantee. Some secured loans availableNo / Secured with collateralYes (asset backed or property backed loans)Yes
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketYesNoYes (immediate)No
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureYesYesBy defaultYes
Control over loans @ Savings4FreedomControl Over Loans InvestedYesYesNoYes
Money Drag @ Savings4FreedomMoney DragNoYesNoNo
Hidden Fees @ Savings4FreedomHidden FeesNoNoNoNo
Loan Duration @ Savings4FreedomLoan Duration4 months to multiple years3 months to 1 year1 day to 5 years1 day to multiple years
Report Quality @ Savings4FreedomReporting ToolHigh QualityMedium QualityLow QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceHigh QualityMedium QualityHigh QualityHigh Quality
Sign up bonus @ Savings4FreedomSign-up BonusYou 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!

Bonus: Get a 5% in interest in your account by making a deposit until November 18 with the code: MXLOVE


Special Savings4Freedom Blog Bonus: until October 31st every S4F reader who joins iban Wallet and adds the promo code – TRYIBANNOW – and invests 200€ (or more) will get 1% bonus on their iban Wallet account for 3 months!
You can sign up and invest in PeerBerry through my referral link.
Evaluation @ Savings4FreedomOverall Evaluation8/106/106/106/10
Crowdestate @ Savings4FreedomCROWDESTATEBulkEstate @ Savings4FreedomBULKESTATEiban wallet @ Savings4Freedom
iban Wallet
Peerberry @ Savings4FreedomPEERBERRY


Finbee @ Savings4FreedomFINBEENeoFinance @ Savings4FreedomNEOFINANCEMonestro @ Savings4FreedomMONESTROEkassa @ Savings4FreedomEKASSA
Type of Loans @ Savings4FreedomType of Loans AvailableConsumer | BusinessConsumerConsumerConsumer
Interest Rate @ Savings4FreedomAverage Interest Rate~22%~20%~20%~12%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansNoYes & No (deal by deal)NoYes | Partial in some cases
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketYes, but restrictiveYesYesNo
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureNoYesYesYes
Control over loans @ Savings4FreedomControl Over Loans InvestedYesYesYesYes
Money Drag @ Savings4FreedomMoney DragYesNoYesNo
Hidden Fees @ Savings4FreedomHidden FeesNoYes. A lot and high!Yes. WithdrawYes. Withdraw
Loan Duration @ Savings4FreedomLoan Duration1 year to multiple years1 month to multiple years6 months to multiple years1 day to 1 year
Report Quality @ Savings4FreedomReporting ToolMedium QualityHigh QualityHigh QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceMedium QualityMedium QualityLow QualityHigh Quality
Sign up bonus @ Savings4FreedomSign-up BonusYou 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.
Evaluation @ Savings4FreedomOverall Evaluation5/101/104/105/10
Finbee @ Savings4FreedomFINBEENeoFinance @ Savings4FreedomNEOFINANCEMonestro @ Savings4FreedomMONESTROEkassa @ Savings4FreedomEKASSA


DoFinance @ Savings4FreedomDOFINANCEEstateGuru @ Savings4FreedomESTATEGURUViaInvest @ Savings4FreedomVIAINVESTReinvest24 @ Savings4FreedomREINVEST24
Type of Loans @ Savings4FreedomType of Loans AvailableConsumerReal EstateConsumer | BusinessReal Estate
Interest Rate @ Savings4FreedomAverage Interest Rate~9%~11%~9%Impossible to estimate
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansYesNo | Backed by mortgageYesNo | Backed by mortgage
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketLimited | Only after 90 daysNoNoRestrictive
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureYesYesYesNo
Control over loans @ Savings4FreedomControl Over Loans InvestedNoYesYesYes
Money Drag @ Savings4FreedomMoney DragNoNoNoYes
Hidden Fees @ Savings4FreedomHidden FeesNoNoNoYes
Loan Duration @ Savings4FreedomLoan Duration1 month to 1 year6 months to 30 months7 days to 1 yearUndetermined
Report Quality @ Savings4FreedomReporting ToolMedium QualityHigh QualityLow QualityLow Quality (but great property descriptions)
User Experience @ Savings4FreedomUser ExperienceMedium QualityHigh QualityLow QualityLow Quality
Sign up bonus @ Savings4FreedomSign-up BonusEnjoy 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.
Evaluation @ Savings4FreedomOverall Evaluation5/107/104/102/10
DoFinance @ Savings4FreedomDOFINANCEEstateGuru @ Savings4FreedomESTATEGURUViaInvest @ Savings4FreedomVIAINVESTReinvest24 @ Savings4FreedomREINVEST24
Swaper Logo @ Savings4FreedomSWAPERDebitum @ Savings4FreedomDEBITUMBondora @ Savings4FreedomBONDORAFlender @ Savings4FreedomFLENDER
Type of Loans @ Savings4FreedomType of Loans AvailableConsumerBusiness | CryptoNot transparentBusiness
Interest Rate @ Savings4FreedomAverage Interest Rate~12%~10%Impossible to estimate~10%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansYes (Buyback)Yes & No (deal by deal)NoNo
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketYesNoYes | Highly PenalizingNo
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureYesYesYesYes
Control over loans @ Savings4FreedomControl Over Loans InvestedYesYesNoYes
Money Drag @ Savings4FreedomMoney DragSomeNoNoNo
Hidden Fees @ Savings4FreedomHidden FeesNoNoYesNo
Loan Duration @ Savings4FreedomLoan DurationShort-term. 30 days15 days to 18 months1 month to multiple years6 months to 36 months
Report Quality @ Savings4FreedomReporting ToolMedium QualityHigh QualityLow QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceMedium QualityHigh QualityLow QualityHigh Quality
Sign up bonus @ Savings4FreedomSign-up BonusYou 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.
Evaluation @ Savings4FreedomOverall Evaluation6/106/101/104/10
Swaper Logo @ Savings4FreedomSWAPERDebitum @ Savings4FreedomDEBITUMBondora @ Savings4FreedomBONDORAFlender @ Savings4FreedomFLENDER


Rendity @ Savings4FreedomRENDITYProfitus @ Savings4FreedomPROFITUSCoinLoan @ Savings4FreedomCOINLOANBitBond @ Savings4FreedomBITBOND
Type of Loans @ Savings4FreedomType of Loans AvailableReal EstateReal Estate | BusinessConsumer | CryptoBusiness | Crypto
Interest Rate @ Savings4FreedomAverage Interest Rate~6%~10%~11%~7% up to 22%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansNo (secured by mortgage)No (secured by collateral)No (secured by crypto assets)No
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketNoNoNoNo
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureNoNoYesYes (Fee)
Control over loans @ Savings4FreedomControl Over Loans InvestedYesYesYesYes
Money Drag @ Savings4FreedomMoney DragNoNoNoNo
Hidden Fees @ Savings4FreedomHidden FeesNoNoYes. WithdrawYes. Transactions
Loan Duration @ Savings4FreedomLoan Duration1 year to 4 years6 months to 18 months7 days to 3 years1 month to 36 months
Report Quality @ Savings4FreedomReporting ToolMedium QualityHigh QualityMedium QualityMedium Quality
User Experience @ Savings4FreedomUser ExperienceHigh QualityHigh QualityMedium QualityMedium Quality
Sign up bonus @ Savings4FreedomSign-up BonusYou 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.
Evaluation @ Savings4FreedomOverall Evaluation3/105/103/103/10
Rendity @ Savings4FreedomRENDITYProfitus @ Savings4FreedomPROFITUSCoinLoan @ Savings4FreedomCOINLOANBitBond @ Savings4FreedomBITBOND

Other alternative asset class platforms to consider:

CRYPTO ASSETS

Coinbase_logo
Prepayway

XTB

FOREX and CFDs

XTB

ETF’s and STOCKS

XTB

Gold, Silver, and Platinum

BullionVault

Operations Facilitator Platforms

N26 Bank @ Savings4Freedom
transferwise
gmelius_logo

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