Crowdlending Ranking — September 2026
My personal ranking based on 12 months of real investment experience
Last update: October 1, 2026
Lendermarket
8.0 / 10Perf. since start: 16.47%
Nectaro
7.6 / 10Perf. since start: 16.31%
Debitum
7.1 / 10Perf. since start: 15.91%
🏆 Full platform leaderboard
All platforms — sort by performance or note by clicking the column headers.
| # | Platform | Perf. since start | Month perf. | Note ↓ | |
|---|---|---|---|---|---|
| #1 | Lendermarket Ireland | 16.47% | 11.63% | 8.0/10 A · Excellent | |
Criteria breakdownCreated in 2016 | Regulatory framework: ECSPR Performance 2.5/4 Regulation 2.5/3 Maintenance 2.0/2 Age 1.0/1 Risk penalty 0 Monitoring Auto-invest works well, can be truly passive Global score 8.0/10 A · Excellent | |||||
| #2 | Nectaro Latvia | 16.31% | 12.78% | 7.6/10 B · Very good | |
Criteria breakdownCreated in 2023 | Regulatory framework: MiFID II Performance 2.5/4 Regulation 3.0/3 Maintenance 1.5/2 Age 0.6/1 Risk penalty 0 Monitoring Interest paid on the 10th for business loans and weekly for personal loans, auto-invest recommended, low maintenance Global score 7.6/10 B · Very good | |||||
| #3 | Debitum Latvia | 15.91% | 10.64% | 7.1/10 B · Very good | |
Criteria breakdownCreated in 2019 | Regulatory framework: MiFID II Performance 2.5/4 Regulation 3.0/3 Maintenance 0.8/2 Age 0.8/1 Risk penalty 0 Monitoring Auto-invest available. Interest paid at a fixed date at the end of each month, log in monthly to reinvest or withdraw Global score 7.1/10 B · Very good | |||||
| #4 | BienPrêter France | 11.41% | 14.36% | 6.8/10 B · Very good | |
Criteria breakdownCreated in 2017 | Regulatory framework: ECSPR (PSFP) Performance 2.5/4 Regulation 2.5/3 Maintenance 0.8/2 Age 1.0/1 Risk penalty 0 Monitoring Interest paid on the 6th of each month, log in monthly to reinvest or withdraw. Placement delays and non-reactive portfolio display Global score 6.8/10 B · Very good | |||||
| #5 | Afranga Bulgaria | 12.88% | 12.58% | 6.6/10 B · Very good | |
Criteria breakdownCreated in 2020 | Regulatory framework: ECSPR Performance 2.5/4 Regulation 2.5/3 Maintenance 0.8/2 Age 0.8/1 Risk penalty 0 Monitoring No auto-invest and few loans available, check monthly Global score 6.6/10 B · Very good | |||||
| #6 | Indemo Latvia | 3.85% | 0.00% | 6.6/10 B · Very good | |
Criteria breakdownCreated in May 2022 | Regulatory framework: MiFID II Performance 1.0/4 Regulation 3.0/3 Maintenance 2.0/2 Age 0.6/1 Risk penalty 0 Monitoring Long-term distressed-debt positions, set-and-forget Global score 6.6/10 B · Very good | |||||
| #7 | Mintos Latvia | 18.29% | 8.77% | 6.0/10 B · Very good | |
Criteria breakdownCreated in 2015 | Regulatory framework: MiFID Performance 2.5/4 Regulation 3.0/3 Maintenance 0.0/2 Age 1.0/1 Risk penalty −0.5 Monitoring Weekly news follow-up on originators, monthly login to reinvest Global score 6.0/10 B · Very good | |||||
| #8 | MaClear Switzerland | 31.53% | 15.12% | 5.5/10 C · Fair | |
Criteria breakdownCreated in 2023 | Regulatory framework: AML-only Performance 3.5/4 Regulation 1.0/3 Maintenance 0.4/2 Age 0.6/1 Risk penalty 0 Monitoring Monthly news follow-up, login every 2 months for interest and bonuses Global score 5.5/10 C · Fair | |||||
| #9 | 8Lends Switzerland | 41.32% | 35.28% | 5.4/10 C · Fair | |
Criteria breakdownCreated in 2025 | Regulatory framework: AML-only Performance 4.0/4 Regulation 1.0/3 Maintenance 0.0/2 Age 0.4/1 Risk penalty 0 Monitoring Weekly USDC interest withdrawal, manual project selection Global score 5.4/10 C · Fair | |||||
| #10 | Hive5 Croatia | 13.70% | 14.06% | 4.6/10 C · Fair | |
Criteria breakdownCreated in May 2022 | Regulatory framework: Unregulated Performance 2.5/4 Regulation 0.3/3 Maintenance 1.3/2 Age 0.6/1 Risk penalty 0 Monitoring Easy robot, short 90-day loans returning cash monthly Global score 4.6/10 C · Fair | |||||
| #11 | Swaper Latvia | 13.17% | 13.75% | 4.5/10 C · Fair | |
Criteria breakdownCreated in 2016 | Regulatory framework: AML-only Performance 2.5/4 Regulation 1.0/3 Maintenance 0.0/2 Age 1.0/1 Risk penalty 0 Monitoring Weekly login to reinvest and reduce cash-drag Global score 4.5/10 C · Fair | |||||
| #12 | Loanch Croatia | 15.37% | 13.28% | 4.4/10 C · Fair | |
Criteria breakdownCreated in 2022 | Regulatory framework: Unregulated Performance 2.5/4 Regulation 0.3/3 Maintenance 1.0/2 Age 0.6/1 Risk penalty 0 Monitoring Runs well, yearly login to reinvest short 30/90-day loans Global score 4.4/10 C · Fair | |||||
| #13 | Triple Dragon Lithuania | 23.50% | 15.07% | 4.0/10 C · Fair | |
Criteria breakdownCreated in 2026 | Regulatory framework: Unregulated Performance 3.0/4 Regulation 0.3/3 Maintenance 0.5/2 Age 0.2/1 Risk penalty 0 Monitoring Login every 6 months, manual selection, secondary market for exits Global score 4.0/10 C · Fair | |||||
| #14 | Lonvest Croatia | 13.26% | 12.25% | 3.7/10 D · Risky | |
Criteria breakdownCreated in 2023 | Regulatory framework: Unregulated Performance 2.5/4 Regulation 0.3/3 Maintenance 0.3/2 Age 0.6/1 Risk penalty 0 Monitoring Young platform, low volume to keep an eye on Global score 3.7/10 D · Risky | |||||
| #15 | FF Forest Latvia | 21.70% | 19.83% | 3.2/10 D · Risky | |
Criteria breakdownCreated in 2025 | Regulatory framework: Unregulated Performance 3.5/4 Regulation 0.3/3 Maintenance 0.0/2 Age 0.4/1 Risk penalty −1.0 Monitoring Weekly news follow-up, buyback / early-exit repayments to reinvest Global score 3.2/10 D · Risky | |||||
| #16 | Revest Croatia | 13.14% | 2.32% | 2.0/10 D · Risky | |
Criteria breakdownCreated in 2025 | Regulatory framework: Unregulated Performance 1.0/4 Regulation 0.3/3 Maintenance 0.3/2 Age 0.4/1 Risk penalty 0 Monitoring Auto-invest works well, occasional temporary shortage of available loans Global score 2.0/10 D · Risky | |||||
🔮 10-year projection
Compound interest simulation: an annualized rate is converted to a monthly rate (rate / 12) and reinvested every month for 120 months. By default, the average platform rate this month.
Theoretical simulation at a constant rate. This is not investment advice: past performance does not guarantee future results and capital is at risk.
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François - P2P investor since September 2025
Software engineer sharing personal investment experience
October 17, 2026