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

Kuetzal @ Savings4FreedomKUETZALEnvestio @ Savings4FreedomENVESTIOFastInvest @ Savings4FreedomFASTINVESTGrupeer @ Savings4FreedomGRUPEERRobocash @ Savings4FreedomROBOCASHMintos @ Savings4FreedomMINTOSViventor @ Savings4FreedomVIVENTOR
Type of Loans @ Savings4FreedomType of Loans AvailableReal Estate | BusinessBusinessConsumerBusiness | Real EstateConsumerConsumer | Business | Real EstateConsumer | Business | Pawnbroking
Interest Rate @ Savings4FreedomAverage Interest Rate~19%~16%~13%~13%~12%~11%~11%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansYes & No (deal by deal)No / Business as collateralYes. Only the principal.Yes (all loans)Yes (all loans)Yes (Majority) & NoYes (Majority) & No
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketNoYesYes. By the platformNoNoYesYes
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureNoNoYesYesYesYesYes
Control over loans @ Savings4FreedomControl Over Loans InvestedYesYesYesYesNoYesYes
Money Drag @ Savings4FreedomMoney DragNoYesNoNoNoNoNo
Hidden Fees @ Savings4FreedomHidden FeesNoNoNoNoNoNoNo
Loan Duration @ Savings4FreedomLoan Duration1 year to 3 years4 months to 1 year1 month to 1 year1 month to 1 year1 month to 1 year1 month to multiple years1 month to multiple years
Report Quality @ Savings4FreedomReporting ToolMedium QualityHigh QualityHigh QualityHigh QualityHigh QualityHigh QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceMedium QualityHigh QualityHigh QualityHigh QualityMedium QualityHigh QualityHigh Quality
Sign up bonus @ Savings4FreedomSign-up BonusIf you sign up and invest through my referral link, you will get a 0,5% cash back from all investments you make within the first 180 days.If you sign up and invest through my referral link, you will get a 5€ bonus when you deposit at least 100€. In addition, you will get a 0,5% cash back from all investments you make within the first 270 days.You can create your account and invest in FastInvest using by using this referral bonus link.Up to 1.25% investment bonus on investments made within the first 6 months: referral bonus link.1% investment bonus on your initial investment using this referral bonus linkUp to 1% investment bonus on investments made during the first 90 days after creating your account by using this referral bonus link.2% investment bonus if you invest €500 during the first 30 days after creating your account by using this referral bonus link.
Evaluation @ Savings4FreedomOverall Evaluation9/109/108/108/107/108/107/10
Kuetzal @ Savings4FreedomKUETZALEnvestio @ Savings4FreedomENVESTIOFastInvest @ Savings4FreedomFASTINVESTGrupeer @ Savings4FreedomGRUPEERRobocash @ Savings4FreedomROBOCASHMintos @ Savings4FreedomMINTOSViventor @ Savings4FreedomVIVENTOR

Other Interesting P2P Platforms

Finbee @ Savings4FreedomFINBEENeoFinance @ Savings4FreedomNEOFINANCEMonestro @ Savings4FreedomMONESTROCrowdestate @ Savings4FreedomCROWDESTATEBulkEstate @ Savings4FreedomBULKESTATEEkassa @ Savings4FreedomEKASSAPeerberry @ Savings4FreedomPEERBERRY
Type of Loans @ Savings4FreedomType of Loans AvailableConsumer | BusinessConsumerConsumerReal Estate | Business | EquityReal EstateConsumerConsumer | Real Estate
Interest Rate @ Savings4FreedomAverage Interest Rate~22%~20%~20%~15%~11%~12%~12%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansNoYes & No (deal by deal)NoNo buyback guarantee. Some secured loans availableNo / Secured with collateralYes | Partial in some casesYes
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketYes, but restrictiveYesYesYesNoNoNo
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureNoYesYesYesYesYesYes
Control over loans @ Savings4FreedomControl Over Loans InvestedYesYesYesYesYesYesYes
Money Drag @ Savings4FreedomMoney DragYesNoYesNoYesNoNo
Hidden Fees @ Savings4FreedomHidden FeesNoYes. WithdrawYes. WithdrawNoNoYes. Withdraw No
Loan Duration @ Savings4FreedomLoan Duration1 year to multiple years1 month to multiple years6 months to multiple years4 months to multiple years3 months to 1 year1 day to 1 year1 day to multiple years
Report Quality @ Savings4FreedomReporting ToolMedium QualityHigh QualityHigh QualityHigh QualityMedium QualityHigh QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceMedium QualityMedium QualityLow QualityHigh QualityMedium QualityHigh 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 Crowdestate through my referral link.You can sign up and invest in Bulkestate through my referral link.You can sign up and invest in Ekassa through my referral link.You can sign up and invest in PeerBerry through my referral link.
Evaluation @ Savings4FreedomOverall Evaluation6/106/104/108/106/106/106/10
Finbee @ Savings4FreedomFINBEENeoFinance @ Savings4FreedomNEOFINANCEMonestro @ Savings4FreedomMONESTROCrowdestate @ Savings4FreedomCROWDESTATEBulkEstate @ Savings4FreedomBULKESTATEEkassa @ Savings4FreedomEKASSAPeerberry @ Savings4FreedomPEERBERRY

DoFinance @ Savings4FreedomDOFINANCEEstateGuru @ Savings4FreedomESTATEGURUViaInvest @ Savings4FreedomVIAINVESTReinvest24 @ Savings4FreedomREINVEST24Debitum @ Savings4FreedomDEBITUMBondora @ Savings4FreedomBONDORAFlender @ Savings4FreedomFLENDER
Type of Loans @ Savings4FreedomType of Loans AvailableConsumerReal EstateConsumer | BusinessReal EstateBusiness | CryptoNot transparentBusiness
Interest Rate @ Savings4FreedomAverage Interest Rate~9%~11%~9%Impossible to estimate~10%Impossible to estimate~10%
Buyback guarantee @ Savings4FreedomBuyback / Secured LoansYesNo | Backed by mortgageYesNo | Backed by mortgageYes & No (deal by deal)NoNo
Early Exit @ Savings4FreedomEarly Exit / Secondary MarketLimited | Only after 90 daysNoNoRestrictiveNoYes | Highly PenalizingNo
Autoinvest Feature @ Savings4FreedomAuto Invest FeatureYesYesYesNoYesYesYes
Control over loans @ Savings4FreedomControl Over Loans InvestedNoYesYesYesYesNoYes
Money Drag @ Savings4FreedomMoney DragNoNoNoYesNoNoNo
Hidden Fees @ Savings4FreedomHidden FeesNoNoNoYesNoYesNo
Loan Duration @ Savings4FreedomLoan Duration1 month to 1 year6 months to 30 months7 days to 1 yearUndetermined15 days to 18 months1 month to multiple years6 months to 36 months
Report Quality @ Savings4FreedomReporting ToolMedium QualityHigh QualityLow QualityLow Quality (but great property descriptions)High QualityLow QualityHigh Quality
User Experience @ Savings4FreedomUser ExperienceMedium QualityHigh QualityLow QualityLow QualityHigh QualityLow QualityHigh 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.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 Evaluation5/107/104/102/106/101/104/10
DoFinance @ Savings4FreedomDOFINANCEEstateGuru @ Savings4FreedomESTATEGURUViaInvest @ Savings4FreedomVIAINVESTReinvest24 @ Savings4FreedomREINVEST24Debitum @ 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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