Current issue

September 2026

We re-evaluate every platform on this list each month, then tell you exactly what changed and why.

See this month's picks How our rankings work Next update: October 2026

Sep 2026
Oct 2026

This month's picks

Start here

Before you pick a platform, start here

What to look for, what to avoid, and how to read the numbers before you invest a single euro.

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#1 NEW

Mintos

FCMC (Latvia) From EUR 50 Auto-invest Buyback

Mintos is the largest EU P2P marketplace with 60+ loan originators, FCMC regulation, and a MiFID-compliant Notes product.

Visit Mintos
Capital at risk. Returns are not guaranteed.

Read full review
#2 NEW

Maclear

SRO PolyReg (Switzerland) From EUR 50 Auto-invest

Maclear offers up to 14.9% yields with Swiss SRO regulation and a CEO who covered defaults from personal funds.

Visit Maclear
Capital at risk. Returns are not guaranteed.

Read full review
#3 NEW

PeerBerry

Licensed (Croatia) From EUR 10 Auto-invest Buyback

PeerBerry delivers 11%+ yields with Aventus Group backing, auto-invest, and a EUR 10 minimum in a regulated framework.

Visit PeerBerry
Capital at risk. Returns are not guaranteed.

Read full review
#4 NEW

EstateGuru

ECSP (Estonia) From EUR 50 Auto-invest

EstateGuru is an ECSP-licensed real estate lending platform with EUR 50 minimum, despite ongoing portfolio recovery.

Visit EstateGuru
Capital at risk. Returns are not guaranteed.

Read full review
#5 NEW

8lends

SRO VQF (Switzerland) From EUR 10

8lends is a Swiss-regulated crowdlending platform offering 12-14% yields on frontier market loans in Mexico, Colombia, and the Philippines.

Visit 8lends
Capital at risk. Returns are not guaranteed.

Read full review
#6 NEW

Robocash

Registered (Croatia) From EUR 10 Auto-invest Buyback

Robocash delivers around 12% returns with automated investing, Robocash Group backing, and a EUR 10 minimum entry.

Visit Robocash
Capital at risk. Returns are not guaranteed.

Read full review
#7 NEW

Indemo

Investment firm license (Latvia) From EUR 10

Indemo offers claim-based investing in distressed debt, regulated in Latvia as an investment firm. EUR 10 minimum.

Visit Indemo
Capital at risk. Returns are not guaranteed.

Read full review
#8 NEW

Twino

ECSP / Investment firm license (Latvia) From EUR 10 Auto-invest Buyback

Twino is a veteran P2P lending platform since 2015, ECSP-licensed in Latvia, with auto-invest and a EUR 10 minimum.

Visit Twino
Capital at risk. Returns are not guaranteed.

Read full review
#9 NEW

Nectaro

ECSP (Latvia) From EUR 10 Auto-invest Buyback

Nectaro is an ECSP-licensed P2P platform backed by Eleving Group, offering auto-invest and a EUR 10 minimum since 2023.

Visit Nectaro
Capital at risk. Returns are not guaranteed.

Read full review
#10 NEW

Lendermarket

Ireland-registered From EUR 10 Auto-invest Buyback

Lendermarket is backed by Creditstar Group, offering consumer loan investing with auto-invest and a EUR 10 minimum.

Visit Lendermarket
Capital at risk. Returns are not guaranteed.

Read full review

All platform picks

Welcome to TopPulse, your monthly guide to the P2P lending and crowdlending landscape. Every month, we rank the top platforms based on regulation, track record, investor experience, and yield potential - then tell you exactly what changed and why.

Think of it as a monthly leaderboard for your portfolio. Platforms move up when they deliver. They move down when they stumble. And we explain every shift so you can invest with confidence.

This is our inaugural September 2026 issue - the baseline ranking that all future months will be measured against.

Why Mintos Takes #1 This Month

Mintos earns the top spot for September 2026 on the strength of its FCMC-regulated marketplace model, 60+ loan originators, and MiFID-compliant Notes product. It is simply the most mature, most liquid option in the European P2P space right now. That said, every platform on this list has something the others do not - and your ideal pick depends on your goals.

Start with our How to Choose guide if you are new to crowdlending.

How TopPulse Rankings Work

TopPulse uses a Monthly Position Ranking methodology. Each month, we assign positions #1 through #10 based on a holistic editorial assessment of:

Regulatory standing - Is the platform licensed? Under which framework?
Track record - How long has it been operating? What is its default history?
Investor experience - Auto-invest quality, platform usability, communication.
Yield and terms - What returns are realistic? What are the loan durations?
Transparency - Financial reporting, statistics pages, responsiveness.

We do not use a composite score. Positions reflect our editorial judgment of where each platform stands relative to its peers this month.

Affiliate Disclosure

TopPulse participates in affiliate programs with some of the platforms listed on this page. When you sign up through our links, we may receive a commission at no extra cost to you. This does not influence our rankings - platforms cannot pay for a higher position. Our editorial assessments are independent, and we rank platforms based on the criteria described above. You are never obligated to use our links; direct sign-up is always an option.

Rankings updated monthly. Next update: October 2026. Published by the TopPulse Editorial Team.