Index of P2P lending and crowd-lending platforms reviews

(Nearly) all reviews on Alternative Investments, and other ways to find the right place to invest

If you roughly know which loans you want to invest in (consumer, real-estate, business) and which platform features you request, this filterable list of reviews will allow you to quickly find which platforms match your choices.

As I’m still in the process of migrating the reviews from one format to another, a few outdated reviews don’t appear in this index. I’ll add them back as soon as I manage to bring them up-to-date.

If you’re looking for an easier way to choose where to invest, the following articles are likely to help you :

Filtering the data​

Investors who know which loans they want to invest in can easily find which platforms match their preferences, using the following criteria :

  • Loans kind
  • Investment duration
  • Buyback feature
  • Auto-invest availability
  • Presence of a secondary market or other early exit mechanism

Loans kinds

Which loans do you want to invest in ? Individual loans are rather standard, and in most case come with the added safety of a buyback guarantee. They’re often rather short-term, although car loans usually span over several years. Business and real-estate loans often offer higher returns, but they are more speculative.

Loans durations

For how long do you want to invest ? If you want to invest in long-term loans, it’s strongly advised to use a platform that features a secondary market or offers an early exit option, in case you need to access your funds before the loan maturity date.

Buyback guarantee

Loans covered by a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a loan is delayed by more than a given delay (usually 30 or 60 days), the platform or loan originator will buy back the loan. The guarantee may cover only part of the capital, or in a much more interesting case, both the capital and accrued interests. As the conditions vary from one platform to another, it’s very important to check this point. are usually safer than those without it. Learn more about the buyback guarantee on our article about borrower’s default.

Early exit (secondary market or other mechanisms)

A very useful feature when investing in long-term loans is a secondary market, which is a marketplace where investors may resell their loans to other investors. Other platforms offer a buyback option, meaning that they will buy the loan back; however, this usually incurs a rather large fee.

Investing methods

Being able to invest automatically based on your investment preferences has several benefits : it allows to save time, prevents tedious and repetitive loans selection, and increases diversification. However, while this feature is standard for personal loans, not all platforms for business and real-estate loans offer it.

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Select at least one value for each criterion, or less restrictive criteria !


While the interest rates offered by EstateGuru‘s projects are lower than at BulkEstate or ReInvest24, this platform provides great investment opportunities for those who want a more conservative portfolio. It’s also an excellent complement to CrowdEstate‘s real-estate loans.

EstateGuru’s long list of successfully repaid loans (as well as the way they managed the defaulted projects) help build confidence in this platform. It took me a long time to invest there, as I initially targeted more speculative loans. However, I now regularly add funds to this portfolio, in order to have a more balanced loans portfolio.


I used to prefer CrowdEstate over BulkEstate, thanks to the superior interface and much larger loans volume. However, after more than two years on both platforms, I can’t help but notice that the performance of my BulkEstate portfolio is much higher.

Moreover, BulkEstate’s track record is basically spotless, while CrowdEstate is struggling with late or defaulted business loans.

Overall, the platform’s projects offer a good risk/reward ratio for investors who want slightly more speculative loans than at EstateGuru.


So many platforms were founded by – or related to – lending groups in 2020 and 2021 that it’s easy to overlook Esketit. However, this platform offers several advantages over most competitors :

  • interests rates can be as high as 14%, a rare occurrence nowadays
  • loans from Jordan offer a great opportunity for geographical diversification
  • the loans volume is large enough to prevent the cash drags which sometimes plague competitors such as ViaInvest or Afranga.

Overall, I consider Esketit as an excellent complement to Robocash.


Mintos is a very polarizing platform. Indeed, many investors lost money when several loan originators defaulted. At the same time, several other investors report that their Mintos portfolio provides the best performance among their peer-to-peer loans portfolios.

I tend to agree with the latter group, and consider that Mintos success is well deserved. Indeed, my portfolio delivers an excellent and very regular performance. Moreover, the impressive loans volume means that basically any amount can be invested without fearing a cash drag. Finally, thanks to the availability of Mintos strategies, even beginner investors can easily invest through the platform – although, as we’ll see, I basically recommend against using them -.

Of course, there’s still a lot of room for improvement. This especially holds true when it comes to providing reliable information about the loan originators – or even onboarding reliable ones -.

Additionally, now that many lending groups provide their own platforms, there’s no denying that Mintos isn’t as essential as it used to be.

Overall, as long as investors are aware of potential risks, Mintos proves to be an excellent choice to add some additional diversification to a loans portfolio.


For a long time, I wasn’t so crazy about ReInvest24. Information about the projects were too scarce to my state, and the returns increased very slowly.

However, now that several rental projects were exited, the performance has reached decent levels. Fees management has also improved, which means that for new investors, returns will increase faster.

Although I overall still don’t like the interface – especially the secondary market -, I must admit that ReInvest24’s track record is very good. In addition, the amount of information provided – both during the funding phase and after projects are funded – is nothing short of remarkable.

Overall, ReInvest24 is a great complement to BulkEstate for investors who want to invest in projects potentially more rewarding than those listed at EstateGuru.


At first glance, Robocash‘s offer seems less appealing than most competitors. Indeed, interest rates are lower than at Esketit or Lendermarket. Moreover, in terms of website ergonomics, the platform really lags behind most competitors.

Despite these drawbacks, the financial solidity of Robocash Group incites me to grant Robocash four stars. Indeed, the platform’s risk/reward ratio is excellent.


When Afranga was launched, the very high interest rates – up to 18% – made this platform stand out. However, things have changed fast as the platform grew increasingly popular among investors. This success lead to reduced interest rates and a loans supply too small to absorb the demand for loans.

Interest rates now seem to have bottomed at 12%. At this level, there’s no great difference between Afranga and most competitors.

I thus view Robocash as a much better choice, as it offers the save level of interest rates while being more reliable – although there’s no denying that Afranga has a much better interface -. Even when it comes to complementing Robocash, I currently prefer to invest at Esketit, which offers similar or better interest rates than Afranga but doesn’t suffer from liquidity troubles.


Since Summer 2020, many improvements were unveiled at Crowdestor. It started with the enhanced projects descriptions and borrower’s credit report, which are a huge step forward in terms of investors information. In addition, the long awaited investor’s cabinet now provides useful data regarding the portfolio’s status. Similarly, the new loan management system (LMS) now guarantees that investors are kept up-to-date in term of projects updates. Finally, the availability of public statistics is an improvement in terms of transparency, although they may actually be biased, as we’ll see.

However, the current performance of Crowdestor’s loans portfolio is rather bad. Many loans are delayed or defaulted; roughly half outstanding projects are delayed by more than one month ! In addition, the reliability of the recovery process remains to be proven.

For now, unfortunately, investing in Crowdestor looks like a gamble. I really like this platform, but would advise prospective investors to carefully assess the projects they invest in !


As I’m updating this review in March 2022, granting Lendermarket a rating turns out to be kind of a headache. On one hand, most aspects of the platform are very positive, from the excellent performance to the great ergonomics. On the other hand, the controversy surrounding their main loan originator’s reliability cannot be ignored.

At the end of the day, as investors we must always keep the risk/reward ratio in mind. 14% (or even higher) interest rates are unfortunately a rare occurrence nowadays. Indeed, most competitors with a similar risk profile such as ViaInvest, Afranga or Twino usually offer lower interest rates. The only exception is Esketit, where loans from Jordan yield 14% annually. I thus personally view Lendermarket’s loans as a great investment opportunity, especially considering that they are issued by a loan originator which as been profitable since its inception.

More conservative investors will probably feel more comfortable at Robocash, which is extremely solid and offers interest rates up to 12%. Moncera is another great choice, but investing there usually implies kissing double-digit interest rates good-bye.


I appreciate the opportunity to build a diversified portfolio by investing directly in loans from reliable originator Placet Group without using Mintos. However, the current interest rates will be too low for many investors. They’re likely to prefer Robocash or Esketit.


I used to really love Omaraha. It was one of the first P2P platforms I used, along with Mintos and Twino. At some point, up to 60% of loans portfolio was invested there !

For a long time, thanks to the excellent performance, it was totally worth investing some time (and of course money) on this platform, in spite of the terrible interface. But now that the loans volume has decreased, it’s harder to recommend it as much as I used to. Moreover, Omaraha’s lack of transparency and non-existent communication are clear negatives.

In spite of this, for investors who want to focus solely on consumer loans, Omaraha still offers the best returns.


Thanks to the large selection of reliable loan originators A loan originator is the firm that originally provides the loan to the borrower. They usually lend a small percent of the amount using their own funds, while the remaining is put on sale on loans marketplaces. The part of the loan kept by the originator is called called skin in the game; it’s typically 5%-10% of the loan amount, and is supposed to encourage originators to provide quality loans., overall ease of use and good returns, PeerBerry is an excellent alternative – or complement – to Mintos.


It’s a pity that ViaInvest‘s offer is relatively complex when it comes to business or real-estate loans. In addition, the platform’s website pales in comparison to the well-designed interface most competitors offer.

However, the platform is part of a large group which is regarded as financially solid. In addition, returns are reasonable – roughly comparable to Moncera, but lower than Robocash or Lendermarket -.

Overall, ViaInvest provides a good way to diversify a P2P loans portfolio through reliable loan originators.


Although I still appreciate the large supply of loans available at CrowdEstate, I have to admit that my portfolio’s performance is deceiving. The actual returns for speculative loans are far from the expected ones !

Overall, I’m much more impressed by EstateGuru, both in terms of transparency and performance.


It has always been hard for me to choose between Robocash and Swaper. For a long time, Swaper’s much better ergonomics has incited me to prefer this platform, in spite of the cash drags which used to occur regularly.

However, what finally tipped the scale in favor of Robocash is this platform’s transparency and financial solidity. Indeed, Swaper’s loan originators are mostly blackboxes, which publish zero financial information. In contrast, Robocash Group provides audited financial statements. They show that the group has been consistently profitable for several years.

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