P2P Returns 2026

This page compares returns, liquidity and contractual protections across leading P2P platforms, making it easier to see where potential returns and risks are higher. Consider these differences in relation to your risk profile and investment goals, rather than choosing a platform by its advertised return alone.

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Dashboard comparing and analysing P2P investment platforms

P2P platform models differ substantially: some offer contractual buyback arrangements, others work with multiple originators, and some target higher returns while exposing investors to higher risk.
A platform should provide clear information about its legal model, loans, partners and financial reports. Platform selection materially affects portfolio risk, the stability of returns and overall diversification.

Main platforms

Data reviewed on 18 July 2026. Terms can change. Buyback is a contractual obligation of the relevant originator and is not a capital guarantee.

Mintos

Mintos

Regulation
MiFID II investment firm supervised by Latvijas Banka
Minimum investment
€50 for Notes on the primary market
Asset types
Notes backed by loan portfolios; also bonds and other investment products
Secondary market
Yes; sales depend on market demand
Buyback arrangement
Only when provided by the lending company or the specific product
Main risk
Issuer or lending-company default and risk in the underlying loans
May suit
Investors seeking broad choice who accept a more complex product structure
Last reviewed
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Bondora Go & Grow

Bondora Go & Grow

Regulation
No separate financial licence for Go & Grow; group companies are licensed lenders
Minimum investment
No clearly stated fixed minimum
Asset types
Automatically diversified portfolio of unsecured consumer loans
Secondary market
No; closed on 30 September 2025
Buyback arrangement
No buyback guarantee
Main risk
Credit losses and possible partial payouts during mass withdrawals
May suit
Investors preferring an automated product with minimal management
Last reviewed
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PeerBerry

PeerBerry

Regulation
Marketplace for loan claims; not a MiFID II investment firm
Minimum investment
€10 per loan
Asset types
Consumer, leasing, business and property loans
Secondary market
Yes; active since January 2026 under stated conditions
Buyback arrangement
For all listed loans; group guarantee only for some
Main risk
Solvency of lending companies and related groups
May suit
Investors seeking different terms and automated investing
Last reviewed
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Esketit

Esketit

Regulation
Marketplace for loan claims; no stated MiFID II or ECSP licence
Minimum investment
€10
Asset types
Claims from consumer loans
Secondary market
Yes; no platform fee under the published terms
Buyback arrangement
For most listings; terms and trigger period must be checked for each loan
Main risk
Failure of the originator or group to honour the buyback obligation
May suit
Investors accepting higher originator risk in exchange for automation
Last reviewed
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Robocash

Robocash

Regulation
Not regulated under a financial-services licence
Minimum investment
€10
Asset types
Claims from short- and long-term UnaFinancial loans
Secondary market
Yes; transactions take place at nominal value
Buyback arrangement
Up to 30 days after maturity under the platform terms
Main risk
High concentration in one financial group and its lenders
May suit
Investors seeking automation who accept group concentration
Last reviewed
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Swaper

Swaper

Regulation
Swaper Platform OÜ is not regulated under a financial-services licence
Minimum investment
€10
Asset types
Claims mainly from consumer loans
Secondary market
Yes; a sale depends on an available buyer
Buyback arrangement
Depends on the originator and the individual agreement
Main risk
Concentration in a limited number of originators and default risk
May suit
Investors accepting concentration in exchange for simpler management
Last reviewed
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Income Marketplace

Income Marketplace

Regulation
Claims marketplace; no stated MiFID II or ECSP licence
Minimum investment
€10
Asset types
Consumer, business and secured loans from external originators
Secondary market
Yes; sale and price depend on demand
Buyback arrangement
For listed loans, supplemented by a Cashflow Buffer; does not guarantee full recovery
Main risk
Originator default where contractual buffers may be insufficient
May suit
Investors seeking additional contractual protections who accept originator risk
Last reviewed
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Iuvo

Iuvo

Regulation
The service is not licensed as an investment, banking or crowdfunding service
Minimum investment
Usually €10, depending on the listing
Asset types
Claims from different loan types
Secondary market
Yes; a sale is not guaranteed and depends on demand
Buyback arrangement
Only when included in the specific assignment agreement
Main risk
Originator solvency and possible partial or total loss
May suit
Investors seeking originator choice who accept an unregulated model
Last reviewed
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Twino

Twino

Regulation
Licensed investment firm supervised by Latvijas Banka
Minimum investment
Depends on the selected product
Asset types
Asset-backed securities linked to loan portfolios
Secondary market
Available for eligible investments; liquidity depends on demand
Buyback arrangement
No universal platform guarantee; terms depend on the product
Main risk
Issuer, credit and liquidity risk in the underlying assets
May suit
Investors preferring a regulated environment and automated strategies
Last reviewed
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Afranga

Afranga

Regulation
Licensed European crowdfunding service provider (ECSP)
Minimum investment
€10 per loan
Asset types
Business loans to pre-screened European companies
Secondary market
No; the feature is still under development
Buyback arrangement
No universal buyback guarantee; terms depend on the loan
Main risk
Business-borrower default and limited liquidity until maturity
May suit
Investors who understand business loans and can hold to maturity
Last reviewed
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