PeerBerry has earned its reputation as one of the most reliable P2P lending platforms in Europe. EUR 3.55 billion funded, 123,000+ investors, zero major originator defaults, and ~11% annual returns. Hard to argue with that track record. My full PeerBerry review covers that record and the risks behind it.
So why look elsewhere?
Two reasons. First, PeerBerry holds no investment or crowdfunding license, so your protection is contractual rather than regulatory. Second, PeerBerry relies heavily on Aventus Group, which supplies 24 of its 36 loan originators. That concentration creates a dependency risk that diversification across other platforms can offset.
I’ve invested on PeerBerry, and it’s earned a place on my shortlist. Here are the platforms worth using alongside it.
Quick Comparison: PeerBerry vs the Alternatives
| Platform | Best For | Avg. Returns | Regulation | Secondary Market | Review |
|---|---|---|---|---|---|
| Mintos | Diversification and scale | ~9.2% | MiFID II licensed | Yes (0.85% fee) | Review |
| Robocash | Short-term loans with fast buyback | ~10% | Not regulated | Yes (no fees) | Review |
| Lonvest | Promising new platform | ~12% | Not regulated | No | Review |
| Income Marketplace | Junior/senior tranches | ~12% | Not regulated | Yes | Review |
Mintos — The Market Leader
Mintos is the obvious first alternative — and for good reason. It’s the largest P2P lending platform in Europe with over EUR 13 billion funded, 700,000+ registered investors, and a MiFID II license that provides the strongest regulatory protection available in this space.
Why it works as a PeerBerry alternative: Where PeerBerry relies on Aventus Group for 24 of its 36 originators, Mintos spreads investments across 60+ loan originators in 33 countries. That diversification is the single biggest advantage. Mintos’s secondary market is also far more established than the one PeerBerry launched in January 2026.
The trade-offs: Mintos is not without its own issues. About EUR 190 million, close to 29% of its outstanding loans, is in recovery, including the Nera Capital payment stop in 2026. My personal net return over 9 years averaged ~9% because of these defaults, and Mintos now shows a 9.2% weighted average APY on available loans before any losses. Mintos also recently introduced a 0.29% annual fee on Custom Portfolios. PeerBerry has no fees at all.
Key differences from PeerBerry:
- MiFID II regulated with EUR 20,000 investor protection — PeerBerry is not regulated
- Long-established secondary market (0.85% fee) — PeerBerry’s launched in January 2026 and is fee-free
- 60+ originators vs PeerBerry’s 36
- Additional products: fractional bonds, ETFs, and a High-Yield Bonds Portfolio
- Annual management fee of 0.29% on Custom Portfolios — PeerBerry is fee-free
- History of originator defaults — PeerBerry has none
Best for: Investors who want maximum diversification across originators and countries, a secondary market for liquidity, and the strongest available regulation. Mintos is the natural complement to PeerBerry — their strengths and weaknesses are almost perfectly inverted.
See my full Mintos review or the Mintos vs PeerBerry comparison.
Robocash — Fast Buyback on Short-Term Loans
Robocash focuses on short-term consumer loans with a distinguishing feature: a 30-day buyback period instead of the standard 60 days. That means if a borrower defaults, the loan originator buys back the investment twice as fast as on PeerBerry.
Why it works as a PeerBerry alternative: Similar returns (~10% historical average), similar loan types (short-term consumer), but with a faster buyback mechanism. For investors who want their capital recycled quickly, that 30-day window matters.
What to know: My review flagged concerns about the financial health of UnaFinancial, Robocash’s parent group. These risks haven’t materialized into losses, but they’re worth tracking. Like PeerBerry, Robocash is not regulated.
Best for: Investors who favor short-term loan exposure with quick buyback resolution. Use as a smaller allocation alongside PeerBerry, not as a replacement.
See my full Robocash review or the PeerBerry vs Robocash comparison.
Lonvest — A Promising Newcomer
Lonvest launched in 2023 and has quickly established itself as one of the more interesting new platforms. Returns sit around 12% with a 60-day buyback guarantee, and the platform has a clean, modern interface that’s easy to navigate.
Why it works as a PeerBerry alternative: Fresh originator exposure. PeerBerry’s strength is also its constraint — you’re investing through the same few lending groups every time. Lonvest introduces different lending companies and geographies, which adds genuine diversification to your overall P2P portfolio.
Best for: Investors who want to diversify across platforms and originators with a smaller allocation to a newer platform with solid early results.
See my full Lonvest review or the PeerBerry vs Lonvest comparison.
Income Marketplace — Junior/Senior Tranche Structure
Income Marketplace takes a different approach to risk management. Instead of a standard buyback guarantee, it offers a junior/senior tranche structure where loan originators invest their own money in the “first loss” piece. If defaults happen, the originator’s capital absorbs losses before investors are affected.
Why it works as a PeerBerry alternative: The tranche structure provides a different kind of protection than PeerBerry’s buyback guarantee. It also offers a secondary market for early exits. Returns are around 12%, comparable to PeerBerry’s ~11%.
Best for: Investors who like the idea of structural protection (originators taking first losses) rather than relying solely on buyback promises.
See my full Income Marketplace review.
Which PeerBerry Alternative Should You Choose?
If you want proper regulation: Mintos (MiFID II).
If you need a deeper secondary market: Mintos, or Income Marketplace.
If you want a similar experience to PeerBerry but different originators: Lonvest or Robocash.
My recommendation: combine PeerBerry with Mintos as your core holding for diversification and liquidity, then add one or two smaller positions from the alternatives above based on your priorities.
For the full landscape, see my ranking of the best European P2P lending platforms.
Frequently Asked Questions
Does PeerBerry have a secondary market?
Yes. PeerBerry launched a secondary market on 15 January 2026. There are no fees, you can sell whole investments at their remaining value or at a discount of up to 50%, and offers stay listed for 14 days. Liquidity depends on other investors wanting your loans, so treat it as an exit option rather than instant access.
Is PeerBerry safe without regulation?
PeerBerry operates from Croatia without an investment or crowdfunding license, so it isn’t regulated the way Mintos (MiFID II) is. What PeerBerry does have is a strong track record — EUR 3.55 billion funded with no major originator defaults, and all loan originators publish financial statements. Track record matters, but it’s not the same as regulatory protection. See my full PeerBerry review for more detail.
Can I earn more than 11% on PeerBerry alternatives?
Yes. ViaInvest offers ~13% with MiFID II regulation, though real-world net returns can vary.
What’s the biggest risk of staying only on PeerBerry?
Originator concentration. Aventus Group supplies 24 of PeerBerry’s 36 loan originators. If Aventus faced financial difficulties, it would affect a large part of your PeerBerry portfolio. Diversifying across platforms with different originators is the primary mitigation strategy.
Should I leave PeerBerry entirely?
No. PeerBerry’s clean track record and reliable returns make it worth keeping. The goal isn’t replacement — it’s diversification. It works best as one of several P2P platforms in a portfolio, each serving a different purpose.
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