2026 edition — offers and rates verified on 1 November 20262026 edition · 8 verified offers
View bonuses
Change language
Crowdlending guide 2026
19 platforms reviewed, real returns, verified guarantees and the bonuses that are genuinely worth it. My guide to investing in peer-to-peer lending without getting it wrong.
Sample portfolio
5 positions, 3 countries
Target return
11.5%
Cover
Buyback 30–60 days
Illustrative example, before tax and losses. No guaranteed return.
2026 selection
6 platforms
Understanding P2P
Crowdlending, or peer-to-peer (P2P) lending, means lending money to individuals or businesses through an online platform. You buy loan parts, receive interest, and the platform handles borrower selection, payments and sometimes a buyback guarantee.
In practice, you are not opening a bank account: you take exposure to a large number of small loans. Your return depends on three things: the quality of the borrowers, the strength of the platform and the price at which you accept the risk. That is why I never look at an advertised rate without looking at the guarantees and fees.
In 2026, the European market has professionalised: ECSP/PSFP licences, audited reports, consolidation among providers. Rates have stabilised around 9% to 13% for diversified portfolios, with more aggressive niches at 14–16%. The strongest platforms survived; the others left the market or scaled back.
Key points before you start
Choosing your asset class
The four asset classes meet different needs. P2P seeks cashflow, real estate seeks duration and guarantees, SCPI seeks rental income, and stocks seek liquidity.
Swipe the table to see all columns
| Asset class | Return | Ticket | Horizon | Strength | Risk |
|---|---|---|---|---|---|
| Crowdlending | 9 – 16% | From €10 | 1 – 36 months | Monthly cashflow | Moderate to high |
| Real estate crowdfunding | 9 – 12% | From €1 | 12 – 36 months | Property guarantees | High |
| SCPI | 5 – 7% | From €200 | Long term | Regular rent | Moderate |
| Stocks & ETFs | Variable | From €1 | Long term | Daily liquidity | Variable |
Indicative returns, gross of tax and losses. Past performance does not predict future results. Real-estate crowdfunding and crowdlending carry a risk of capital loss.
2026 selection
A tight selection, tested with my own capital. I ruled out platforms whose guarantees, liquidity or governance do not stand up to comparison.
For diversifying
The multi-originator marketplace, with a secondary market and loans across many countries.
Return
10.5 – 12.5%
indicative yield
Bonus
€50 + 1%
cashback over 30 days
For peace of mind
Consumer and property loans, group guarantee and a 60-day buyback. The platform I check first.
Return
9 – 12.5%
indicative yield
Bonus
Loyalty
+0.5 to 1% per year
For automating
Fully automated consumer lending. You set it up once, then let it run.
Return
10 – 12%
indicative yield
Bonus
1%
cashback over 30 days
For balance
Creamfinance, a free secondary market and a 60-day buyback. A good balance of yield and simplicity.
Return
10 – 12%
target yield
Bonus
1%
cashback over 90 days
For performance
Wandoo Finance loans at fixed rates, simple auto-invest. One of the highest yields in my selection.
Return
14 – 16%
target yield
Bonus
€5
free on sign-up
For yield
Creditstar's marketplace, with late interest paid to investors and a 60-day buyback.
Return
14 – 16%
target yield
Bonus
1%
cashback over 60 days
Rates and bonuses verified on 1 November 2026. They may change without notice.
See the directory of 19 platformsReturn & profile
There is no single P2P return, only return/risk pairs. Here are the three profiles I distinguish, with the platforms that best represent them.
6.75 – 10%
indicative annual return
You want to put available cash to work without locking up capital. Priority goes to liquidity and simplicity.
9 – 12.5%
indicative annual return
You are looking for regular monthly income with proper diversification. This is the area I consider most coherent for getting started.
13 – 16%
indicative annual return
You accept more concentration and credit risk in pursuit of a higher yield. Best kept to a limited share of the portfolio.
Examples
Gross is not net
An advertised 12% rate does not mean 12% in your pocket. You must deduct losses, any fees, grace periods and tax (30% flat tax by default). That is why I favour platforms with documented net returns.
Full directory
Indicative returns, speciality and country. Platforms marked “Selection” are part of my top 6. The others are still monitored but are not my first choices.
Swipe the table to see all columns
| Platform | Return | Speciality | Country | Review |
|---|---|---|---|---|
MintosSelection Read the review | 10.5 – 12.5% | Multi-originator marketplace | Latvia | Read |
PeerBerrySelection Read the review | 9 – 12.5% | Consumer & property | Croatia | Read |
RobocashSelection Read the review | 10 – 12% | Automated consumer lending | Croatia | Read |
EsketitSelection Read the review | 10 – 12% | Creamfinance | Ireland | Read |
SwaperSelection Read the review | 14 – 16% | Wandoo Finance | Estonia | Read |
LendermarketSelection Read the review | 14 – 16% | Creditstar | Ireland | Read |
| Read the review | 11 – 13.5% | Regulated marketplace | Latvia | Read |
| Read the review | 6.75% | Liquid Go & Grow | Estonia | Read |
| Read the review | 10% fixed | Liquid SmartSaver | Estonia | Read |
| Read the review | 10 – 14% | Cashflow Buffer | Estonia | Read |
| Read the review | 10 – 13% | Marketplace | Estonia | Read |
| Read the review | 10 – 12% | Securities | Latvia | Read |
| Read the review | 10 – 15% | Consumer, auto, property | Czech Rep. | Read |
| Read the review | 9 – 12% | SME loans | Latvia | Read |
| Read the review | 14 – 16% | Stikcredit | Bulgaria | Read |
| Read the review | 12 – 15% | Industrial SMEs | Switzerland | Read |
| Read the review | 7 – 10.5% | French micro-businesses / SMEs | France | Read |
CrowdestorNot recommended Read the review | Not representative | Business loans (recovery) | Estonia | Read |
KvikuNot recommended Read the review | 10 – 15% | Consumer (Kviku Group) | Cyprus | Read |
Indicative gross returns, before tax and losses.
Verified on 1 November 2026
What I no longer include
Crowdestor and Kviku offer attractive returns, but their risk profile and the uncertainty around their model mean I can no longer recommend them. They have a detailed review for transparency: Crowdestor analysis, Kviku analysis. Crowdpear's property projects are covered in the real-estate comparison.
Risk management
P2P can pay 12% a year, but it can also bring defaults, delays and platforms that disappear. The difference between a good and a bad portfolio is decided before you sign up.
Track record, European licence, balance sheet structure, country of origin and history of defaults. A nice website is no substitute for a balance sheet.
The platform is only an intermediary. I look at who actually lends: Wandoo, Creditstar, Creamfinance, Stikcredit, DelfinGroup…
A buyback guarantee is only worth what the entity behind it is worth. Check who pays, with what reserves and within what timeframe.
Secondary market, withdrawal times, exit fees and tax. A gross yield of 14% can become mediocre once frictions are taken into account.
My personal rule
These limits are how I manage my own portfolio, not personalised advice. Adapt them to your situation.
Buyback is not magic
Take action
You do not need ten accounts or €10,000. A simple method, two or three platforms, and measured progress.
An emergency fund covering 3 to 6 months of expenses, a 2 to 3 year horizon and no immediate need for the money invested.
Two platforms you understand beat a catalogue of ten forgotten accounts. Start with Mintos, PeerBerry and Robocash.
Licence, country, buyback, fees, secondary market and bonus conditions. The advertised yield is never enough on its own.
SEPA transfer, KYC verification, then setting up a diversified portfolio. Start small and scale up gradually.
Check late payments, reinvest interest, keep the tax reports and declare the interest received each year.
Checklist before your first transfer
Taxation 2026
In France, crowdlending interest is taxed as investment income. Repaid capital is not taxed: only the interest is.
Simple example
For €1,000 of interest received in the year, the 30% flat tax represents €300 of tax. You keep around €700 net, before any other costs.
If your marginal rate is 0% or 11%, the progressive scale option may be more favourable. Run the numbers with your real situation.
12.8% income tax + 17.2% social contributions on interest received, by default.
Interest is declared in box 2TR. You do not declare the capital repaid, only the interest.
If your account is held on a foreign platform, declaring the foreign account may be compulsory.
General information, not personalised tax advice. Rules can change. Check your situation with an accountant or the tax authority.
Crowdlending FAQ
Return, guarantees, tax, liquidity: short answers to the most common objections before investing in P2P.
Ask a questionFurther reading
Mortgage, surety, LTV: the securities that genuinely protect your capital.
Read the guideFlat tax, progressive scale, form 3916: what you really pay on your interest.
Read the guideA dynamic ETF strategy for the stock market side of your wealth.
Read the guideTake action
Compare the bonuses, check the guarantees, start small. The best portfolio is the one you understand and actually follow.