Best Peer to Peer Lending Platforms

I will never forget March 2020. But who will? March 2020 will be remembered as one of the months in which decades happened. One of the sharpest crashes in the stock market occurred in March 2020. The peer-to-peer lending market has been shaken too. 

Some crowdfunding platforms, Monethera and Grupeer (beside Kuetzal and Envestio, of course), decided to show their real faces by hiding their evil intentions behind the COVID-19 crisis. They told us, “Goodbye, suckers, we will see you – when we see you – if we want to see you.”

However, some very stable peer to peer lending platforms stayed solid, they have shown adequate and robust communication with its investors, and three months after the world chaos, they are still with us, showing positive growth and recovery.

Personally, I haven’t withdrawn from any platform I’ve invested before the crisis. I only relocated a small portion from some of the platforms to decrease my exposure to some of the most affected regions by the COVID-19.

And following the development of the peer-to-peer and crowdfunding market during the last three months, I think that it will be a good idea to review the winners (in my eyes) from first-hand experience. 

I will include information on the internal rate on investments, delayed loans, whether or not the buyback guarantee was executed on time, liquidity, and last but not least, transparency and communication with investors. The platforms are ranked in no particular order, a.k.a if they make it to this list, then they are already number 1 in my eyes.

Enjoy it!

p.s as usual, none of the statements on this blog should be considered as a professional investment advice. I only share where I invest my personal cash.

Bondora Go & Grow

Bondora Logo

Bondora is a peer-to-peer lending platform based in Estonia. The platform is one of the biggest and well-recognized in Europe. Also, Bondora is the first platform I ever invested in. Bondora was founded in 2008 and had nearly 12 years of experience in the market of P2P lending platforms.

During the crisis, my Go & Grow portfolio stayed intact. The interest rate of 6.75% per year was paid every day, on time. The liquidity of Bondora’s Go & Grow portfolio suffered a bit. 

To provide equal liquidity for all investors, Bondora introduced partial payments. When you make a withdrawal request, you will be paid a percentage of the sum each day. What’s paid will be available for withdrawal immediately.

Three months after the March 2020 crisis, Bondora is stable, the liquidity has improved. Also, they’ve taken steps to improve their product and to bring more transparency in communication with their investors. 

I am still investing with Bondora, and I think that it is one of the robust peer to peer lending platforms, especially after this financial earthquake we’ve experienced. Read my full Bondora review.

Debitum Network


Debitum is a P2B platform that helps small business organizations financially. There are many types of asset-backed business loans on the platform. As you can see, the platform is a bit different from the other p2p lending platforms, mainly because it focuses on decentralization. 

Many loans are made independently by the The started in the year 2018. From that time until today, it is a growing platform. With Debitum Network, I haven’t experienced any turbulences. 

The average interest rate was at around 8.75%, there wasn’t any panic among the team. They even applied for the investment firm’s license in Latvia. Perhaps, there was a very slight increase in delayed loans. 

But they were delayed for no more than 60 days when the buyback guarantee is triggered. Also, all available cash was available for withdrawal, and the transactions have not been delayed. During the crisis, they ran smoothly. Here is a link to my Debitum review.

*to receive a €10 bonus, you need to sign-up and add only €250. That’s it. You’re in! Bonus Code 4QM7V is applied automatically.



Peerberry is a European investment platform within the P2P lending system. This particular platform is owned and operated by Aventus Group. Aventus Group is a successful company since the year 2009.

This company allows users to invest in loans from non-banking organizations. The Peerberry platform was started in the year 2017. After launching, the platform is one of the fastest-growing in the lending market.

Well, Peerberry was one of the best performing platforms during the crisis. And still, they are. They have increased their interest rates by 1-2% during the last three months. Their communication with investors was regular and very useful. There were almost no big delays in loans, and the buyback guarantee was executed on time. 

All available cash was very quick to withdrawn. During the last three months, I’ve increased my investment portfolio with Peerberry. I am very satisfied with how currently Peerberry performs. Based on my skin in the game, Peerberry is one of the best lending platforms to start with. Read my whole Peerberry review.

*to receive min €10 bonus, you will have to deposit a minimum of €500 in the first 30 days of registration.


robocash logo

Robocash is a peer-to-peer lending platform that offers payday loans in a short period of time. It is owned by the Russian Robocash Group, which was founded in 2013. 

In February 2017, the group introduced the Robocash platform in the market and has, later on, attracted a larger network that patronizes its services. After launching, the platform is one of the fastest-growing in the lending market and also profitable.

After March 2020, Robocash announced that they are increasing the interest rates on loans from 12% to 14%. As they say, there are always good opportunities during a crisis. And I took this one. I increased my overall position in Robocash, and the returns are very stable. Robocash is definitely one of the best peer to peer lending platforms to overcome the COVID-19 crisis.

There is a very slight delay in loans, and as the whole platforms come with a buyback guarantee, it is executed on time. At this moment, Robocash brings one of the highest returns in my whole portfolio. 

No matter the situation, they kept their communication open with investors, while sharing relevant data such as profitability and available cash. They held a live Q & A session, where their CEO was answering investor’s questions. I support companies with strong communication and responsibility. Read my whole Robocash review.


Swaper Logo

Swaper is a peer-to-peer lending service launched in 2016. The platform has been around for a few years, and it already has a standing in the industry, though we can’t say it’s particularly old. The company behind Swaper is the Wandoo Finance Group. Currently, it’s their main business.

Swaper is one of the last peers to peer lending platforms I joined. They mainly operate in Poland and Spain. And honestly, I thought that they would be busted. But they didn’t. Swaper was the biggest surprise in the industry, in my opinion. 

First, they also raised their interest rates from 12% to 14%. Second, Swaper was the first platform, which instead of sending some stupid emails such as “A letter from our CEO on the recent pandemic crisis,” they send us actual numbers on how their portfolio performs. The number of delayed loans, the number of extended loans, etc. 

Which was exactly what we needed to see in order to stay with them. I am happy that I still invest with them. They did very well, given the fact that they served one of the severely impact country by Covid-19. Read my whole Swaper review.

If you are interested in more in-depth literature regarding trading and investing, I’ve compiled a list of my favorite books on investing.

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