Comparison of the Best European P2P and Crowdfunding Platforms 2019

Here is a short quick list of the main features that each of these peer-to-peer (P2P) lending platforms have to offer. You can find out more direct information behind each of the Product & Features links.

PlatformFast Invest Logo
Websitebondora.commintos.comgrupeer.comfastinvest.comenvestio.comrobo.cashcrowdestate.eu
More Information (links to articles)Product & FeaturesProduct & FeaturesProduct & FeaturesProduct & FeaturesProduct & Features
Average Net Return
(My Returns)
10.5% (9.20%-17.20%)11.70%14.37%13.2%19.05%12%
19.55%
TrustPilot Score8.9 / 10

(685 reviews)
8.8 / 10

(375 reviews)
8.3 / 10

(31 reviews)
8.7 / 10

(96 reviews)
8.3 / 10

(17 reviews)
6 / 10

(5 reviews)
7.1/10

(1 review)
Year Founded2009201520162012201720172014
Country RegisteredEstoniaLatviaLatviaUnited KingdomEstoniaLatviaEstonia
Loan TypesPersonalBusiness, Personal, Mortgage, Agricultural, Short-Term, Pawnbroking, Invoice Financing, CarBusiness,
Development projects
Consumer-based loansTraditional and innovative investment projectsMicroloans – Pay Day Loans, Installment-loans, Secured loansReal Estate
Secondary MarketYesYesNo
(to commence soon)
NoNo
(to commence soon)
Yes – but unable to seeYes
Buy Back GuaranteeNoYesYesYesNo
(but 90% of the investment is fully secured)
YesNo
Minimum Investment€1€10€10€1€1€10€100
Open to All Overseas InvestorsNo – European Union, Switzerland or Norway or an Accredited investor from Australia, Brazil, Canada, Hong Kong, India, Japan, South Korea, Mexico, Singapore, South Africa or USAYesNo – European Economic Area or Switzerland onlyNo – European Union onlyYesNo – European Union and SwitzerlandNo - Specific list of countries that service is not offered in
Registered Investors (No#)56,601113.3046,02530,0004,1183,00027.205
Loans Funded / Issued (Value)€186,000,000€1,730,411,478€22,756,357€13,000,000€10,678,217€4,500,000€55,717,960
TransferWise CompatibleYesYesYes (with exceptions)YesYesNoYes
Offering Affiliate BonusYesYesYesYesYesNoNo
Bonus to ReadersUse this link to receive €5 straight into your account when you sign upUse this link to receive a bonus 0.75% up to €250 investedUse this link to sign up and support this article!Use this link to get a € 10 bonus if you invest € 200 for at least 90 days.Use this link to a get a €5 bonus (after €100 deposit), and 0.5% bonus on all money deposited for 270 days.N/AN/A

Bondora

Bondora is an Estonian P2P lending company, and was founded in 2009. Bondora only allows users to invest in Euros, and focuses on unsecured consumer lending in Finland, Spain and Estonia. The investment base has over 45,000 investors, and boasts historical annual returns of over 10.7%. Only personal loans are issued through Bondora

Mintos

Mintos is a Latvian P2P platform launched in 2015 and classes itself as a global online marketplace for loans. At the time of writing (December 2018), Mintos facilitates 58 loan originators which operate in 28 countries. The average net annual return for investors through Mintos is 11.16%, with more than 95,000 investors registered. Each investor has an average investment of over 4,000 Euro. Loans issued through Mintos are varied, including business, personal, mortgage, agricultural, short term, pawnbroking, invoice financing and car loans. Mintos also has a secondary market, where people can buy or sell their part in a loan for a discount or a premium, allowing you to achieve an even higher return.

Grupeer

Grupeer is a Latvian p2p platform, created in 2016. Grupeer works in a similar way to Mintos, whereby acting as a platform that allows loan originators to issue loans. Currently, Grupeer only accepts money transfer from licensed credit institutions of the European Economic Area, and only deals in Euros. Loans issued on Grupeer focus on investments in credit deals (i.e. secured loans issued to individuals or small businesses), and development projects.

Envestio

Envestio is an Estonian P2P platform created in 2018. Envestio works in a similar way to Grupeer, where investors can invest in a select few loans, but are able to invest larger sums of money if desired (compared to Mintos for example). Envestio offers secured and unsecured loans in various industries such as real estate, crypto mining, energy and other industries. Envestio offers to a repurchase guarantee, however, will take 5% if you choose to sell the loan back. If you hold onto the investment, there are no costs or fees. There are no restrictions on European residency, so everyone can invest at Envestio, with only a minimum investment amount of €1. Bank transfer with TransferWise does work with Envestio.

Last Updated February 2019