European P2P lending statistics
Every number on this page is computed live from our 30-platform database at every build, so it never goes stale. Last recomputed: 2026-06-12. Cite it freely; a link back to this page is the polite way to say thanks.
10.6–13.4%
average advertised return range
57%
of platforms offer a buyback or payment guarantee
47%
operate under a license or regulated status
€10
median minimum investment
30
platforms tracked in the database
7 yrs
average platform age (oldest since 2008)
Average advertised rates by asset class
Advertised, not realized: defaults, cash drag and fees eat into these. The gap between the two is covered in our risk guide.
| Asset class | Platforms | Avg. advertised range |
|---|---|---|
| Consumer loans | 20 | 10.8–13.7% p.a. |
| Business loans | 7 | 9.9–13.1% p.a. |
| Real estate | 6 | 9.5–12.7% p.a. |
| Agricultural loans | 2 | 11–13% p.a. |
| Invoice financing | 1 | 9–12% p.a. |
| Car loans | 1 | 7–13% p.a. |
| Energy projects | 1 | 12–14% p.a. |
Where the platforms are based
The Baltic concentration is real: Latvia, Estonia and Lithuania host most of European P2P. That clustering is history (post-2008 credit gap plus fintech-friendly regulators), not a quality signal either way.
The numbers behind the numbers
Three honest caveats before ye quote any of this. First: return figures are what platforms advertise, and advertised is the best case. Second: 12 platforms currently run live signup offers, which tells you more about customer-acquisition budgets than loan quality. Third: "47% regulated" counts every license type from full investment-firm status down to lighter regimes. The license tier matters more than the percentage, and each platform profile names the exact regulator.
For how we turn this data into ratings, read how we rate. For the risk framework behind the caveats, start with is P2P lending safe.