Best P2P Lending Platforms in Europe (February 2020 Update)

The first platform that I wanted to mention in this article is Mintos. Mintos is currently the largest Peer-to-Peer lending platform in Europe, and offer a huge amount of loans to invest in. This makes it a really interesting platform to invest in, as it gives you exposure to several countries and several kinds of loans in each country. That's instant diversification on a single platform. The platform also offers solid returns to investors, around 12%.

On top of that, the interface is really easy to use, and they also have a great portfolio manager so you can set everything once and then just let it invest for you. A large portion of their loans is actually also protected by a buyback guarantee, meaning that even if somebody stopped paying back a loan you will still get your money back.

As for all platforms in this article, I've been investing personally on Mintos (since 2015). Here is a graph showing my accumulated gains from Mintos since I started investing:

As you can tell, I got solid returns from Mintos since I started investing more than 4 years ago. I currently have a solid yield on the platform at nearly 12%, and my money is safe as I invested only in loans with buyback guarantee. Therefore, I definitely recommend Mintos as the best European Peer-to-Peer lending platform. It's the ideal platform to start an investment portfolio or to add to an already existing portfolio.

The second platform I wanted to mention here is Fast Invest. They propose high-quality loans that come with a buyback guarantee, so it's a really safe platform to invest in. As of 2018, they have been active for 3 years, and also have been profitable which is very good sign of stability in the future. What makes Fast Invest different from the other platforms inside this article is that they usually propose loans with quite high yields (above 14%), so it's a great addition to your portfolio to raise your average return on investment. You can also completely automate your investments, so Fast Invest is also a platform where you can make completely passive Peer-to-Peer lending investments.

I've been investing on Fast Invest since 2018, and never had any issue with the platform. Here are my accumulated returns since I started to invest on the platform:

As you can tell, Fast Invest has been delivering consistently since the beginning, and I really recommend it to put in any investment portfolio.

The third platform (and the one I like more and more these days) I will mention here is Grupeer. Compared to other platforms, some of the loans available on the platforms are attached to real estate projects, for example, renovating a building. This makes it really interesting, as you can invest in 'typical' P2P lending loans but also directly in real estate development projects. Those real estate investments are actually listed on a separate page, so you can really get a lot of details about each of them before investing.

As for other platforms in this review, Grupeer also proposes a buyback guarantee on most of the loans present on the platform, which is something very nice to have as an investor. There is also a cool auto-invest feature, that is easy to set up and that can both invest in Peer-to-Peer lending loans as well as in real estate projects, to quickly obtain a diversified portfolio. Grupeer also has a very clear and easy to use interface, and excellent customer support that solved some issue that I had in a matter of minutes.

I've also been investing personally on Grupeer since 2018, and here is a graph showing my accumulated returns on the platform:

Similar to the first two platforms, I had solid results since the beginning on Grupeer, and therefore I really recommend having this platform in your portfolio.

The last platform I will mention here is PeerBerry, which is a solid Peer-to-Peer lending platform in which I started to invest in back in 2018. They also offer everything you need from a good Peer-to-Peer lending platform: buyback guarantee on most loans, a great diversity of loan originators & loan types, and an auto-invest function that is really easy to setup. Plus, they offer good interest rates as well, and I only got solid results from the platform since I started investing: 

They also have a great team that is always there to answer any questions. Therefore, I also recommend adding PeerBerry to your Peer-to-Peer lending portfolio in order to diversify your investments.