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Best-of listing · 10 plataformas

Best consumer crowdlending platforms

Plataformas da categoria «Best consumer crowdlending platforms», ordenadas por pontuação global. Abra qualquer entrada para uma análise aprofundada e o histórico completo de opiniões.

Ordenação
Avaliação global ↓

Composição de opiniões verificadas de investidores, revisão editorial e situação regulatória.

#01
Monefit SmartSaver
Startups · Estonia · desde 2020
€350M financed · 8,9% return
1265 opiniões
4,50 /5
#02
Fagura
SME · Romania · desde 2021 · ECSP
€55M financed · 10,0% return
67 opiniões
4,50 /5
#03
Mintos
Real estate · Latvia · desde 2015 · MiFID II · Group-level buyback
€10700M financed · 11,7% return
500 opiniões
4,00 /5
#04
Income Marketplace
Consumer loans · Estonia · desde 2020 · EFSA (Estonia) · 60-day buyback
€350M financed · 12,0% return
59 opiniões
4,00 /5
#05
Robocash
SME · Croatia · desde 2018 · ECSP · 30-day buyback
€1300M financed · 10,5% return
245 opiniões
4,00 /5
#06
Lendermarket
SME · Ireland · desde 2016 · ECSP · 60-day buyback
€57M financed · 15,6% return
709 opiniões
4,00 /5
#07
Bondora
SME · Estonia · desde 2008 · EFSA (Estonia)
€2042M financed · 6,0% return
7887 opiniões
3,50 /5
#08
PeerBerry
Real estate · Croatia · desde 2017 · ECSP · Group-level buyback
€3327M financed · 11,0% return
280 opiniões
3,50 /5
#09
Esketit
Personal loans · Ireland · desde 2020 · ECSP · 60-day buyback
€1500M financed · 12,9% return
273 opiniões
3,50 /5
#10
Twino
Real estate · Latvia · desde 2015 · ISP · 60-day buyback
€37M financed · 12,0% return
101 opiniões
3,00 /5
Prós
  • 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.
How to choose

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.
FAQ

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.

Coleções relacionadas
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