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.
|More Information (links to articles)||Product & Features||Product & Features||Product & Features||Product & Features|
|Average Net Return|
|TrustPilot Score||8.9 / 10|
|8.8 / 10 |
|8.3 / 10 |
|8.7 / 10|
|6 / 10 |
|Country Registered||Estonia||Latvia||Latvia||United Kingdom||Latvia||Estonia|
|Loan Types||Personal||Business, Personal, Mortgage, Agricultural, Short-Term, Pawnbroking, Invoice Financing, Car||Business,|
|Consumer-based loans||Microloans – Pay Day Loans, Installment-loans, Secured loans||Real Estate|
(to commence soon)
|No||Yes – but unable to see||Yes|
|Buy Back Guarantee||No||Yes||Yes||Yes||Yes||No|
|Open to All Overseas Investors||No – European Union, Switzerland or Norway or an Accredited investor from Australia, Brazil, Canada, Hong Kong, India, Japan, South Korea, Mexico, Singapore, South Africa or USA||Yes||No – European Economic Area or Switzerland only||No – European Union only||No – European Union and Switzerland||No - Specific list of countries that service is not offered in|
|Registered Investors (No#)||56,601||113.304||6,025||30,000||3,000||27.205|
|Loans Funded / Issued (Value)||€186,000,000||€1,730,411,478||€22,756,357||€13,000,000||€4,500,000||€55,717,960|
|TransferWise Compatible||Yes||Yes||Yes (with exceptions)||Yes||No||Yes|
|Offering Affiliate Bonus||Yes||Yes||Yes||Yes||No||No|
|Bonus to Readers||Use this link to receive €5 straight into your account when you sign up||Use this link to receive a bonus 0.75% up to €250 invested||Use 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.||N/A||N/A|
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 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 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 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.