Sign up to Esketit If you’ve been exploring opportunities in the consumer loan space and are curious about the Esketit platform, then you’re in the right place. Esketit is a fintech company that has carved out a position in the European consumer loan market. Their focus is on providing transparent and accessible financing solutions to […]

Twino was one of the first P2P lending platforms I invested in. It launched in Latvia in 2009 (the web platform went live in 2015), and for years it was a reliable part of my portfolio. I earned a steady 9%+ with zero defaults. But a lot has changed since then. The Russia-Ukraine war froze […]

Start investing today Income Marketplace is a new player in the FinTech field. Based in Estonia, this crowdlending marketplace offers its investors a platform that’s safe and transparent. Their Cashflow Buffer and diverse Loan Originators make P2P investing look promising. If you’re interested in this new platform, then keep reading. We’ll be reviewing Income Marketplace […]

Update (March 2026): Since publishing this review, the financial health of RoboCash’s parent company UnaFinancial has deteriorated significantly. Their debt-to-equity ratio surged to 25:1, the company lost over half its equity, and their Philippines lending license was suspended. Independent reviewers rate the platform poorly. The CFO has also confirmed that no real group guarantee exists, […]

In this review, I’ll be taking a look at Swaper, one of my favorite P2P lending platforms in both function and design. Swaper is one of the latest entries into the P2P lending space in Europe, having started operations in May 2019. They have found success pretty quickly though, amassing more than 4000 active investors, […]

Interest rates have risen significantly since the near-zero era, but P2P lending platforms still attract investors looking for returns above what savings accounts and bonds offer. That demand brings healthy skepticism — especially from people who don’t fully understand how these platforms work. A very common question I get is some kind of variation of […]

One area where investors waste time and money is in deposits and withdrawals to P2P lending platforms. If you use the right banks, you can move money without delays or fees. Traditional banks often charge for SEPA transfers, add markup on currency exchanges, and take days to process international transfers. Digital banks solve all of […]

Bondora is one of the oldest peer-to-peer lending platforms, and I joined early on in my P2P lending journey, around 2016. While this platform has been criticized by investors in the past, my portfolio has been chugging along quite well over the years, and my only complaint would be about the graphics and UI of […]

Launched in 2017, PeerBerry has been gaining quite a lot of popularity among peer-to-peer platforms recently. As with many crowdlending platforms, PeerBerry originated in the Baltics – specifically Riga, Latvia. As of 2026, PeerBerry has grown to become one of the largest P2P lending platforms in Europe, with over 110,000 registered investors and more than […]

I’ve written about what I consider to be the best P2P lending platforms for investing, however after the many platform failures since 2019, people have been reaching out to me to ask about which platforms they should not trust. I think it’s a good idea to list which platforms I actively avoid so you can […]

P2P lending is an alternative investment that comes with its own risks but can deliver strong returns. I’ve been averaging around 12% annually across all the platforms I’ve invested in. Expect some portion of your loan portfolio to default at some point — it’s the nature of the business — but this is typically offset […]

On this P2P lending glossary page you’ll find all the important terms you’ll encounter as an investor in P2P lending platforms around the world, with Mintos being the largest platform. This glossary is regularly updated with new terms as the industry evolves. AML – Anti-Money Laundering. It refers to a number of policies that governments, […]