Best-of listing · 10 platforms
Best consumer crowdlending platforms
Platforms in the «Best consumer crowdlending platforms» category, ordered by overall score. Open any entry for an in-depth review and the full record of investor feedback.
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Composite of verified investor reviews, editorial review and regulatory standing.
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M
Monefit SmartSaver
1265 reviews
4.50
/5
F
Fagura
67 reviews
4.50
/5
M
Mintos
500 reviews
4.00
/5
I
Income Marketplace
59 reviews
4.00
/5
R
Robocash
245 reviews
4.00
/5
L
Lendermarket
709 reviews
4.00
/5
B
Bondora
7887 reviews
3.50
/5
P
PeerBerry
280 reviews
3.50
/5
E
Esketit
273 reviews
3.50
/5
T
Twino
101 reviews
3.00
/5
Pros
- Statistically predictable default rates on large loan books.
- Easy diversification across thousands of loans.
- Most loans carry a buyback guarantee from the originator.
Risks
- Buyback guarantees are only as strong as the originator.
- Recovery on defaulted unsecured loans is typically very low.
- Exposure to non-EU loan markets carries currency and political risk.
Picking a platform in «Best consumer crowdlending platforms».
- Originator vetting: who decides which originators get listed, and what is rejected?
- Skin in the game: originators retaining 5–10 % of each loan align incentives.
- Buyback honouring: check historical originator failures and how losses were handled.
Frequently asked.
Is a buyback guarantee the same as deposit insurance?
No. Buyback is a contractual promise from the loan originator — not the platform, not a government. If the originator becomes insolvent, the buyback evaporates with it.
Related collections
Best crowdlending platforms
Best buyback-backed P2P platforms
Best P2P platforms with a secondary market
Best auto-invest crowdlending platforms
Best ECSP-licensed crowdlending platforms
Consumer crowdlending
Crowdlending in Spain
Crowdlending in Latvia
Crowdlending in Estonia
Crowdlending in France
Crowdlending in Germany
Crowdlending in Portugal