Most P2P investors pick a platform before they understand the risk. Do it the other way round.
We test the platforms we rate, score them with a published algorithm rather than an opinion, and re-read their own numbers every single day.
- Platforms tracked
- 15
- Scored across
- 6 dimensions
- Data refreshed
- Daily
This month's highest-rated platforms
Ranked by a safety score computed from regulation, track record and disclosure — not by what anyone pays us. The formula is published and you can check our arithmetic.
- Average return
- 10.28%
- Minimum investment
- €50
- Average return
- 11.5%
- Minimum investment
- €10
- Average return
- 11.4%
- Minimum investment
- €10
- Average return
- 9.4%
- Minimum investment
- €50
Before you invest a single euro
P2P lending is not a savings account. Loan originators default, buyback guarantees are only as good as the company behind them, and platforms have frozen withdrawals with no notice. Capital invested in P2P loans is not covered by any deposit guarantee scheme.
How we work
Four rules we do not bend, because a comparison site that bends them is an advertisement.
We test before we score
No platform gets a score until we have worked through its sign-up, its terms and its withdrawal process and written down what we found.
Ratings are not for sale
We earn commission from some links. No platform can pay to raise its score, change its wording, or remove a warning.
We publish the losses
Defaults, delayed buybacks, suspended withdrawals and collapsed originators are documented, dated and left online.
Numbers are dated
Every figure on the site carries the date it was checked. If it's stale, you can see that it's stale.
Latest updates
Terms changes, rate moves and platform news — checked daily.
The buyback guarantee is not a guarantee. Here is what it actually is.
Every second platform advertises a buyback guarantee. Almost none of them explain who is standing behind it — which is the only question that matters.
ReadWhat an ECSPR licence actually protects you from — and what it doesn't
Regulated platforms now advertise their licence on every page. It is a real improvement. It is also routinely oversold.
ReadWhy we treat anything above 13% as a warning, not an opportunity
High yields are not free money that the market has overlooked. They are a price, and the thing being priced is the chance you do not get your capital back.
ReadGet the weekly digest
One email a week: what changed on the platforms you hold, and what we would not touch.