19 European P2P Lending Platforms, Ranked on the Facts
Every platform below is scored 0-50 across five documented criteria - investor protection, track record, return transparency, structural clarity and liquidity. Weights were fixed before scoring. See the full methodology.
Affiliate disclosure. Maclear is our commercial partner (see the Partner tag below) and 8lends is a labelled sponsored placement outside the ranking. This does not change either platform's score. How we make money.
| # | Platform | Score | Band |
|---|---|---|---|
| 1 | Mintos | 45/50 | Excellent |
| 2 | Twino | 45/50 | Excellent |
| 3 | Capitalia | 41/50 | Excellent |
| 4 | EstateGuru | 40/50 | Excellent |
| 5 | Nectaro | 39/50 | Strong |
| 6 | Crowdpear | 36/50 | Strong |
| 7 | Debitum | 36/50 | Strong |
| 8 | PeerBerry | 35/50 | Strong |
| 9 | InSoil | 35/50 | Strong |
| 10 | InRento | 33/50 | Strong |
| 11 | Lendermarket | 33/50 | Strong |
| 12 | Indemo | 32/50 | Strong |
| 13 | Hive5 | 32/50 | Strong |
| 14 | Profitus | 30/50 | Strong |
| 15 | Robocash | 28/50 | Fair |
| 16 | Loanch | 28/50 | Fair |
| 17 | Maclear Partner | 27/50 | Fair |
| 18 | Reinvest24 | 22/50 | Fair |
| 19 | Scramble | 20/50 | Fair |
8lends Sponsored
Real-world-asset-backed DeFi lending, up to 25% APR advertised. Not scored: outside the ranking, insufficient independent track-record data. Full risk warnings apply.
Frequently Asked Questions
Every platform is scored 0-50 across five equally-documented criteria: investor protection, track record, return transparency, structural clarity and liquidity/exit. Weights were fixed before any platform was scored. See our full methodology on the How We Rate page.
No. Maclear is our commercial partner and pays a commission on signups, but it ranks 17th of 19 on this table because that is what the published method produces for it. We tested the method before adding Maclear as a partner and did not adjust it afterward.
No. A high score means a platform scores well on our five documented criteria as of the review date. It is not a guarantee against default, platform failure, or loss of capital. All P2P lending carries risk.
We review the underlying data and re-run the scoring method periodically as platform terms, licences or track records change. The review date is shown on each page.
Disclaimer. Information only, not financial advice. P2P lending carries a risk of partial or total loss of capital. No compensation scheme covers borrower defaults on any platform listed. Verify current terms directly with each platform.