10+ Crowdlending Reviews and Bonus
Get an overview with brief Crowdlending reviews about how to make your investments more safe and profitable by diversifying – and receive a bonus when investing.
Table of contents
- What is a good crowdlending platform?
- Crowdlending reviews based on my experence
- High diversity
- Short term loans
- Real estate
- More Crowdlending Reviews
What is a good crowdlending platform?
A good crowdlending platform offers a safe and secure environment for investors, provides a secondary market for buying and selling loans, offers a wide variety of investment options, has a large number of available loans, offers competitive interest rates, and is easy to use.
Here are some specific features to look for in a good crowdlending platform:
- Regulatory compliance: A good crowdlending platform will be licensed and regulated by a reputable financial authority.
- Transparent fees: The platform should clearly disclose all fees associated with investing on the platform.
- Risk assessment: The platform should carefully assess the creditworthiness of borrowers and provide investors with detailed information about the risks associated with each loan.
- Diversification: The platform should offer a variety of loan options to help investors diversify their portfolios.
- Liquidity: The platform should have a secondary market where investors can buy and sell loans.
- Interest rates: The platform should offer competitive interest rates that reflect the risk of the loans.
- User-friendly interface: The platform should be easy to navigate and understand for even novice investors.
Crowdlending reviews based on my experence
Over the recent years I have invested in more than 10 different crowdlending platforms.
I will shortly describe my thoughts and experience with each platform. And I will provide a referral link – and tell what both you and I get in bonus.
BUT REMEMBER: don’t take my word for it: check Trustpilot! In each review there is an updated Trustpilot score and a direct link to Trustpilots review of the marketplace. You can also see, whether your language is available on the website.
High Diversity
Mintos
Updated August 2025
Mintos is the largest crowdlending platform, boasting a wide range of loan originators, from various countries, offering different types of loans and assets, making it the most diversified P2P platform. I’ve been enjoying an impressive average return of 12% since 2021.
Languages in the website: English, Deutsch, Francais, Italiano, Espanol, Nederlands, Polski, Cesky, Latviesu
Security
- License: regulated under MiFID II — one of the most stringent regulatory frameworks in the EU
- Trustpilot: 4.0 ( July 2025 )
- Buyback guarantie: Yes
- Diversity: The best
- Late loans: a few loan originators are having trouble paying back loans. See how you can protect your investments in my Recommended autoinvest settings.
- Diversity: Automatic diversifying is offered
Core Loans
These are my favorites in all the Crowdlending platforms I know about
- When you deposit at least €50, your funds are automatic invested
- The core loan investing is prioritized before ordinary loans. This means that you get the best loans with high interest and good diversification. I have experienced immediately investment after my deposits
- Anytime you may withdraw your invest funds without a fee. The withdrawal is instant if you use Revolut Bank
- For this you pay an annual fee of 0.39% of your investments. I believe this is a small prise for getting loans with higher interest, high liquidity and short or no cash drag
Ordinary Loans
- Interest: I have made 12% in average since 2021
- Loan term: 1 month to several Years
- Available loans: Plenty
- Minimum invest: 50€
- Secondary market: Yes
- Autoinvest: Yes. Very detailed. One-Click autoinvest is also available
More about the products / assets
- Core loans (auto invest and instant withdraw))
- Ordinary Loans (auto invest and Manual invest)
- Fractional ETF’s (from €50)
- Fractional Bonds (from €50)
- Mintos Smart Cash (Savings Account)
- Real Estate (Rental income)
Pros
- regulated under MiFID II
- Best diversity
- High interest
- Great liquidity
Cons
- Some loan originators are having trouble paying back loans
- High fee on secondary marked
Bonus:
- You get 1% of the average investment in the first 90 days when you invest at least €1000
- Get your Mintos bonus here
- Or use this referral code: 7PHKN8
Read the full review of Mintos
Peerberry
Updated June 2025
Peerberry is the second-largest crowdlending marketplace and is highly stable. Additionally, it is quite popular, resulting in cash drags with uninvested funds.
Despite this, I have earned a 10% interest rate since December 2021, and there have been no defaults or late loans. Even all my Ukrainian and Russian loans has been repaid.
Languages in the website: English, Deutsch, Francais, Espanol
Security
- License: Crowdlending license in Lithuania
- Trustpilot: 3.6 (june 2024)
- Buyback guarantie: Yes
- Diversity: Medium: About 20 different loan originators but only few different countries
- Late loans: Few
Loans
- Loan types: Personal, real estate, leasing, business
- Loan term: 1 month to 1 year or more
- Available loans: Too few short term loans, resulting in a few days delay of reinvesting
- Average interest: 9-10.5%
- Minimum invest: 10€
Flexibility
- Secondary market: No
- Autoinvest: Yes (also for real estate!)
Pros
- A very secure and stable platform
- Autoinvest – also for real estate!
- Few late loans
Cons
- No secondary market
- Too few short term loans
Bonus:
- No referral right now
- Visit Peerberry here (affiliate link)
Read the full review of Peerberry
IUVO
Updated July 2025
Appears to be a stable and serious platform for long term investing. They also offer a high interest saving account with 5-7% interest.
My experience
Fortunately I managed to sell my Ukrainian loans on the secondary market at the beginning of the war. I have not experienced late or defaulted loans.
Many reviews on Trustpilot complains about late or defaulted loans.
P2P investing is not without a risk. Invest wise:
- Diversify your investment by choosing different loan originators and countries – and different platforms
- Avoid loan originators with low safety score (and often the highest interest rate)
- Monitor for late loans and avoid these loan originators
Read more: Is Crowdlending Safe?
Languages in the website: English, Deutsch, Espanol, Eestie
Security
- License: Estonia FSA
- Trustpilot: 2.3 (July 2025 )
- Buyback guarantie: Yes
- Diversity: High: 7 countries and 20 loan originators
- Late loans: I have not experienced any late or defaulted loans. (but Russian and Ukrainian loans are affected)
Loans
- Loan types: Personal, business and cars
- Loan term: 1 month to several years
- Available loans: Plenty
- Interest: 6% – 11%
- Minimum invest: 10€
Flexibility
- Secondary market: yes
- Autoinvest: yes
Pros
- License
- Good diversity
- Posibility of an up to 7% saving account
Cons
- Low interest
- Few short term loans
Bonus:
- When you invest €100 or more within 3 months, both of us receive a 2% bonus on your investment.
- Send an email to safeinvest@clearit.dk, including your name and indicating that you would like a bonus in Iuvo.
Debitum
Updated July 2025
Investing in business loans including sustainable investments in forestry is yet another way to diversify.
My experience
Except for the loans from Ukraine, all my loans have been paid back, since I started investing in 2021. The platform seems to be functioning well.
Languages in the website: English, Deutsch, Francais, Espanol, Latviesu
Security
- License: regulated under MiFID II — one of the most stringent regulatory frameworks in the EU
- Trustpilot: 3.3 (July 2025 )
- Buyback guarantie: Yes
- Diversity: limited: only 3 loan originators. But all loans are bundled with several loans, which increases the diversity
- Late loans: only Ukraine war related
Loans
- Loan types: business
- Loan term: 5 – 24 months
- Available loans: few
- Interest: about 11-14.5%
- Minimum invest: 10€
Flexibility
- Secondary market: No. Comming soon
- Autoinvest: Yes
Tax
Regulation under MiFID require that Debitum withholds tax
- Home country: Latvia
- Tax: For investors who invest as private persons and are tax residents of EU/EEA countries outside of Latvia, the withholding tax rate on interest income is 5%
- When you declare taxes in your country of tax residence, you can usually reduce the total tax payable by the withheld amount, so your only pay your country’s normal tax rate
Pros
- regulated under MiFID II
- Sustainable investment opportunities with high interest
- Exelent trustpilots reviews
Cons
- No secondary marked
- Few loan originators
Bonus:
- Get your bonus.
- You get 1% cashback from your investments in the first 30 days.
Short term loans
Bondster
Updated April 2025
Having legal office in the Czech Republic, it´s an alternative to the Baltic countries, where most crowdlending platforms have legal offices.
My experience
Autoinvest works very well. I had quite a bit of late loans, but they have slowly been paid back- including a very good pernalty fee on top of the interest. On average I have earned about 18% since I started investing in june 2022 – including fees for late loans. This makes it the most profitable P2P I have invested in.
Languages in the website: English, Deutsch, Cesky
Security
- License: No
- Trustpilot: 2.1 (April 2025). Recent reviews complain about vast delayed payments. However, by using these Autoinvest settings, I haven’t experienced any serious delayes.
- Buyback guarantie: Yes
- Diversity: High. 22 countries and 28 loan originators
- Late loans: In this up to date list you can see which loan originators you should avoid. But these loan originators are usually excluded from providing new loans.
Loans
- Loan types: personal, busuness and leasing
- Loan term: 7 days to 4 years
- Available loans: Plenty
- Interest: 8% – 16%
- Minimum invest: 5€
Flexibility
- Secondary market: yes
- Autoinvest: yes. Both Custom and Preset
Pros
- Very High interest rate
- Well functioning auto invest
- High diversifying
Cons
- Late loans
- No license
Bonus
- Both you and I receive 1% of the amount you invest during the first 3 months
- Get your bonus.
- Or use this referral code: 1000016310
Read the full review of Bondster
Swaper
Updated July 2025
Since I began investing in January 2022, everything has been running smoothly. I set up auto-invest, and it functions seamlessly. I use it to maintain liquidity, given the short one-month investment term. Despite occasional shortages in loans, I have earned a 13% interest.
Security
- License: no
- Trustpilot: 3.3 (July 2025 )
- Buyback guarantie: Yes
- Diversity: small: Only three loan originators and three different countries
- Late loans: I have not experienced any
Loans
- Loan types: personal and leasing
- Loan term: one month or more
- Available loans: some times a takes a couple of days before your funds are invested
- Interest: my average earning has been 13%
- Minimum invest: 10€
Flexibility
- Secondary market: you may sell your loans back to Swaper without a fee
- Autoinvest: Custom and preset
- Languages available: English and German
Pros
- High interest
- Easy autoinvest
- Good place to store your liquidity
Cons
- No License
- Owned by the biggest loan originator
- Poor Diversity
Bonus at Swaper:
- We both get a 2% bonus when you invest €500 or more within 30 days
- Get your bonus
Read the full review of Swaper
Hive5
Updated July 2025
Founded in 2022, Hive5 is quite a new crowdlending marketplace. I have invested since since April 2023, and until now everything has worked smooth with no late loans. On average I have earned more than 12%.
Languages in the website: English
Security
- License: No
- Trustpilot: 4.4 (July 2025 )
- Buyback guarantie: Yes
- Diversity: Limited: Only 4 loan originators
- Late loans: I have experiensed none
Loans
- Interest: 12.5-15%. My earnings have been 13%
- Loan term: Most loans are 1 month or less
- Available loans: I have experiensed instant investment after deposit
- Minimum invest: 10€
- Secondary market: No
- Autoinvest: Yes
Pros
- High interest
- Instant invest
- Easy autoinvest
Cons
- No license
- Short history
- Poor diversification
Bonus: None available at the moment.
Visit Hive5 (affiliate link)
Lonvest
Updated July 2025
Recent news: deposit is temporarily not possible. A waiting list is available.
Founded in 2023, Lonvest is quite a new crowdlending marketplace. I have invested since since August 2023, and until now everything has worked smooth. Initialy I’ve just invested a small amount and will monetise Trustpilot reviews and whether payments are delayed.
Languages in the website: English, German, Spanish, French
Security
- License: No
- Trustpilot: 4.1 (July 2025 ) (very few reviews)
- Buyback guarantie: Yes – and additional a group guarantee
- Diversity: Very limited: Only Mexico is available at the moment.
- Late loans: I have not experience any
Loans
- Interest: 9%
- Loan term: 1, 3, 6 and 12 month
- Available loans: okay
- Minimum invest: 10€
- Secondary market: No
- Autoinvest: Yes: Scroll down to “my investments” in your dashboard and check whether Reinvest=Yes and Status=active
Pros
- Emediate reinvest
- The option to sell back your loans
Cons
- No License
- Very limited diversity
Bonus:
None available at the moment.
Visit Lonvest (affiliate link)
Get Lonvest’s free e-book about p2p risk management
Lendermarket
Status July 2025
In December 2024 Lendermarket secured authorisation from the Central Bank of Ireland to operate as a Crowdfunding Service Provider under EU Regulation. Therefore, I again recommend investing in Lendermarket.
Lendermarket was founded in 2016 by the Creditstar Group and is providing consumer and real estate loans. I have invested since may 2023. From November 2023 to September 2024 all my loans were delayed. Now they are all paid back and my new 30 days investments has been paid back in time.
Languages in the website: English, Deutsch, Francais, Espanol,
Security
- License: Yes. Crowdfunding licence from the Central Bank of Ireland.
- Trustpilot: 3.2 (july 2025 ). Now again mostly positive reviews.
- Buyback guarantee: Yes
- Diversity: Limited: 1 major + 3 minor loan originators. At least 9 different countries.
- Late loans: not anymore. Since September 2024 all my 30 days loans has been paid back in time.
Loans
- Interest: 9-18%
- Loan term: 1 month to 3 years
- Available loans: Plenty
- Minimum invest: 10€
- Secondary market: No
- Autoinvest: Yes
Pros
- License
- High Interest
- Instant autoinvest
Cons
- A history of late or pending loans (resolved)
- Few loan originators
- No secondary market
Bonus
- We both get 1% cashback of the amount you invest the first 30 days.
- Get your bonus here.
Read the full review of Lendermarket
Real Estate
Crowdpear review
Updated July 2025
This crowdlending platform just started december 2022. I chose to invest in it right away, because it is owned by the highly trusted platform, Peerberry AND because it is regulated, which makes it more safe than most crowdlending platforms.
With loans in real estate, business and refinancing it’s a good supplement to personal loans in other crowdlending platforms.
My experience
- The web page is very nice and manageable.
- As the platform is new, i have very little experience. I have made a small investment and will wait and see.
- Languages in the website: English, Latviesu
Security
- License: regulated under MiFID II — one of the most stringent regulatory frameworks in the EU
- Trustpilot: 3.7 (July 2025)
- Buyback guarantie: No. Secured by Mortgage
- Diversity: limited
- Late loans: one out of my five loans has been late since March 2024. The property has been sold on an auction, but I don’t know yet how much I will get recovered.
Loans
- Loan types: real estate, business and renewal energy
- Loan term: a year or longer
- Available loans: few
- Interest: 11%-15%
- Minimum invest: 100€
Flexibility
- Secondary market: Yes
- Autoinvest: no
Pros
- regulated under MiFID II
- Owned by the well recomended crowdlending platform, Peerberry
Cons
- New with no history
- Few loans in the beginning
Bonus:
- Get your bonus
- Or use this referral code: NNHCP6
- Both you and I receive 15€ of when you invest 300€ within 30 days after your registration
Read the full review of Crowdpear
Fintown review
Updated August 2025
Founded in January 2023, Fintown is a relatively new real estate crowdlending platform. Investments are made in operational properties, generating monthly interest through rental income. Additionally, you can invest in the construction of apartments, and after about a year, you are offered rental income with a bonus interest (early bird). Since I began investing in March 2023, everything has worked smoothly.
Languages in the website: English, Deutsch, Francais, Italiano, Espanol, Nederlands, Polski, Cesky, Latviesu
Security
- License: no
- Trustpilot: 4.6 (August 2025 )
- Buyback guarantie: No. Secured by either:
- 1st rank mortgage (you are first in line to get paid, if the project fails)
- Mezzanine loans (you are first in line to get paid, if the project fails)
- Corporate guarentee (rental loans}: if the single property fails, fintown will pay you. If the company behind fintown goes bankrupt, you will be last in line to get your investment back.
- Diversity: Few loans – mostly in the Czech Republic
- Late loans: I have not experienced any
Loans
- Loan types: real estate / rental properties
- Loan term: 1 – 36 month
- Available loans: few
- Interest: 8% – 15%
- Minimum invest: from 1€
Flexibility
- Secondary market: no/yes: You may sell back your rental loan at any time with zero fee
- Autoinvest: no
Advice
- Invest a little in the beginning, and wait and see how it performs. Prioritize 1st rank mortgage loans. The trustpilot reviews are very positive, but Fintown has a very short history. I like the rental part, which generates a steady income. And you may exit these loans at anytime.
Pros
- The rental part, which generates a steady income
- You may sell back your rental loan at any time with zero fee
- High interest
Cons
- No license
- Loans secured as mezzanine loans are less safe than 1st rank mortgage
- A new platform with a short history
Bonus offered by Fintown
- We both get 1% of your investments during the first 90 days
- Get your bonus here
Read the full review of Fintown
Profitus
Updated July 2025
Profitus Provides loans in real estate in the three Baltic countries and Spain. I have Invested since June 2023 and everything has worked smooth.
Languages in the website: English, Deutsch, LT
Security
- License: Yes. ESMA (Regulation on European Crowdfunding)
- Trustpilot: 3.7 (July 2025)
- Buyback guarantie: No. But the loans are secured by first or second mortgage on the property
- Diversity: Many different loan providers. But only real estate an four different countries
- Late loans: I have experienced none. But reviews on Trustpilot complain about late loans.
Loans
- Interest: 9-14%
- Loan term: 1-2 years
- Available loans: Plenty
- Minimum invest: 10€
- Secondary market: no
- Autoinvest: Yes
Pros
- ESMA license
- Real estate ia a good supplement to your diversifiication
- Autoinvest, which is unusual in real estate crowdlending
Cons
- Limited diversity
- No secondary market
Bonus:
- You get 25€ on your first investment and I get 10€
- Get your bonus here
- Or use this referral code: 80301498
Read the full review of Profitus
Estateguru
Updated June 2024
Recent News: I do not recommend investing in Estateguru right now. See Trustpilot reviews about defaults and high fees.
Investing in real estate is another way to diversify – But NOT in Estateguru.
My experience
I had a bunch of loans last year, and all are paid back. Everything seemed to function and I have invested in some loans again. But when 33% of my loans were in default, I chose to sell them and quit Estateguru. I do not recomment investing in Estateguro.
Security
- License: in Lithuania, Estonia, UK and Finland. Is applying for European license
- Trustpilot: 1.7 (June 2024)
- Buyback guarantie: No. Secured by mortgage
- Diversity: medium: 10 different countries
- Late loans: yes: especially many German loans, which they now have stopped offering.
Loans
- Loan types: real estate
- Loan term: 12 – 18 month
- Available loans: few
- Interest:10% – 12%
- Minimum invest: 50€
Flexibility
- Secondary market: Yes. Many non German loans which are not late. 2% fee.
- Autoinvest: yes
Pros
- Investing in real estate as a way to diversify
- license in some countries
Cons
- 2% fee on sale in secondary market
- 1 € fee on withdrawal
- Late loans
Bonus:
- I have removed the bonus link, because I cannot recommend investing in estateguru anymore. The recent reviews in trustpilot are very bad.
Read more about Crowdlending here
Here are more crowdlending reviews for you to consider
Ecoligo review (Investment in solar cells)
GoParity review (Sustainable investments)
LendaHand review (Micro loans to poor entrepreneurs)