The platforms for peer-to-peer lending (also known as crowdlending or P2P lending) allow investing in loans with very low entry tickets and attractive returns. But they are not all equal. The types of contracts, types of loans, investment areas, returns, credit companies, contract durations, and many other criteria vary from one platform to another. Below you will find a comparison of the tested platforms as well as my opinions.
Company
Project type
Yield
Min 💰
↻
Coupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
Subscribe with BONUS 🎁
P2P lending, different types of loans
High interest rates - 13.8% in average
Contract type : Fixed rate loan
Contract duration : short, few weeks/months
Buy-back option: ✅
Ticket d'entrée:
50€
Paiements des intérêts:
1m, In FineCoupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
P2P lending, different types of loans
Ticket d'entrée:
10€
Paiements des intérêts:
?Coupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
Several types of P2P lending
The company exists since 2017
Interest rate is 11.04% in average
No delay of more than 60 days, no default
Contract type : Fixed rate loan
Contract duration : few weeks/months
✅ Option Buy-back available
Ticket d'entrée:
10€
Paiements des intérêts:
1dCoupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
Mintos proposes several types of investments : P2P loans, Fractional rest estate and ETFs
➡️ P2P loans characteristics :
Several types of loans : pawn, personal, cars, collateralized, etc.
monthly interests
contract type : Fixed rate loan
Secondary market: ✅
Buy back: ✅
Ticket d'entrée:
50€
Paiements des intérêts:
1m, In fineCoupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
Personal loans, consumer loans, housing loans
Ticket d'entrée:
10€
Paiements des intérêts:
In fineCoupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
P2P and P2B loans
Ticket d'entrée:
10€
Paiements des intérêts:
1yCoupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
Development projets and rental projects
Ticket d'entrée:
1€
Paiements des intérêts:
1yCoupons distribution schedule
1d -> everyday
1w -> every weeks
1m -> every months
3m -> every 3 months
6m -> every 6 months
1y -> every years
In fine -> at the end of the project
Ø -> No interest payment
Access
