Ranking ao vivo
Best-of listing · 19 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
Estonia · desde 2020 · EFSA (Estonia) · 60-day buyback
€350M financed
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
#11
Lendbox
Personal loans · India · desde 2015
100000M financed INR · 12,6% return
0 opiniões
2,54 /5
#12
Lendenclub
Personal loans · India · desde 2015
160100M financed INR · 11,3% return
0 opiniões
2,54 /5
#13
Rang De
Personal loans · India · desde 2008
882M financed INR · 8,0% return
0 opiniões
2,54 /5
#14
i2iFunding
Personal loans · India · desde 2015
33460M financed INR · 23,5% return
0 opiniões
2,54 /5
#15
Yotepresto
Personal loans · Mexico · desde 2014
5778M financed MXN · 16,5% return
0 opiniões
2,39 /5
#16
Firefish.io
Personal loans · Slovakia · desde 2022
€23M financed · 5,0% return
0 opiniões
2,38 /5
#17
Unbolted P2P for Luxury Assets
Personal loans · United Kingdom · desde 2015
9,0% return
0 opiniões
2,26 /5
#18
The Money Platform
Personal loans · United Kingdom · desde 2016
16,9% return
0 opiniões
2,25 /5
#19
Cashkumar
Personal loans · India · desde 2012
12,0% return
0 opiniões
2,19 /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 Crowdlending in India Crowdlending in Mexico Crowdlending in Slovakia Crowdlending in United Kingdom Consumer crowdlending Crowdlending in Spain Crowdlending in Latvia