European P2P Lending Platforms in Europe with the Highest Interests Rates

Peer-to-peer lending is one of my favourite asset for investing as it has high returns and can be completely automated.

In this article, I will share with you the European peer-to-peer lending platforms that have the highest interest rates, while being safe for investors. 

Note that I have all those platforms in my own portfolio, and I have been investing in each of those platforms for at least a year. Here is the list of those platforms:

Here is the list of those platforms:

• hive5
• Lendermarket
• Bondster

In the rest of this article, I will provide you with comprehensive information about each of these platforms. 

How to Select High-Yielding & Safe Peer-to-Peer Lending Platforms?

Before delving into the specifics of each platform, I would like to discuss the criteria I employ when choosing platforms for both my portfolio and this article. These criteria can be divided into two categories: objective and subjective. 

In order to select a platform, I initially consider objective factors, such as the projected returns offered by the platform, the presence of a buyback guarantee, and the availability of an auto-invest feature. Here for this article, I only selected platforms that offer average returns to investors of at least 13% per year.

Additionally, I verify whether the platform possesses an investment license or has applied for one, as this criterion is really important. I also make sure that they employ all the necessary due diligence for picking loans that they offer to investors. Finally, I also verify each of the loans originators that they are working with, to make sure they are working with companies with a good reputation & track record.

After narrowing down the options based on these objective criteria, I also employ subjective criteria to finalise my platform selection, which includes my personal experience with the platform. I would like to emphasise that I personally invest in each of the platforms mentioned in this article.

Now, let's delve into the specifics of each platform I intend to discuss in this article:

hive5

I wanted to start this article with hive5, a platform that has emerged relatively recently in the field.

Not only the platform has the highest yields I have seen so far in the field with 15.35% average yields for their investors (and up to 16%), but they also put a strong focus on having complete transparency on their operations. 

It's also worth noting that hive5 has another advantage - at the time of writing of this article, not a single loan was late on this platform. Also, if a loan is late even by one day on hive5, the money & interests is immediately returned to investors, so the cashflow on this platform is really predictable. 

Additionally, the platform is operated by a team of well-experienced professionals. 

Despite their relative novelty, hive5 also has a remarkable growth potential, as they want to rapidly expand across Europe. 

Such expansion opens up great prospects for investors, offering them opportunities to diversify their portfolios and explore new avenues for financial growth. 

If you had to that a great user experience and a robust auto-invest function, hive5 emerges as one of the lead P2P lending platform in Europe with strong yields & a strong focus on the safety of their investors' money.

Lendermarket

Lendermarket is also without a doubt a platform that places a strong emphasis on safeguarding the investors' money, while delivering great returns for investors.

Indeed, they have an average yield for investors of 15.26%, which is the second highest average yield of the platforms I mentioned in this article and way above most of the platforms in the field.

They also go the extra mile by offering what they refer to as a group buyback guarantee, an additional layer of assurance that complements the already existing buyback guarantee on loans featured on their platform. 

Furthermore, they boast Creditstar as their loan originator—a prominent European finance group renowned for its great track record. 

Consequently, it is clear that Lendermarket stands tall as one of the safest & highest yielding Peer-to-Peer lending platforms in Europe.

Bondster

I wanted to finish this article by introducing another platform with high interests rates - Bondster. 

Established in 2017, this particular platform operates out of the Czech Republic and has successfully generated a lot of attention since its inception. 

As all the platforms in this article they offer impressive yields, with 13.6% on average for investors.

Bondster also provides a buyback guarantee for all their loans, and they also prioritise transparency throughout their whole platform.

With all of that in mind, Bondster is without any doubt also another great Peer-to-Peer lending platform that has both high interests rates and a strong emphasis on the safety of the investors' funds.

What High-Interest Platform Should you Choose?

All the platforms I mentioned in this article have two things in common: great yields of at least 13% on average per year for investors, and a strong focus on the safety of the investors' money. 

If I had topic just one, I would definitely go with hive5 - they have the best yields of the platforms I mentioned in this article (with 15.35% on average), and I love that they really put transparency as one of the core values on their platform. On top of that, they offer a great user experience, have a well-experience team, and offer all the functions you could expect from a modern Peer-to-Peer lending platform. Definitely my number one pick if you are looking for a high-yielding P2P lending platform in Europe.