An independent editorial project tracking European P2P lending platforms since 2026.
P2PScore is an independent research desk that scores and tracks European peer-to-peer lending and crowdlending platforms. We monitor 19 platforms across 8 countries, scoring each on six dimensions - regulation, defaults and recovery, originator structure, track record, fees and net yield, and liquidity and user experience - and publish the results as a ranked index updated monthly.
The project launched in early 2026 to address a gap in retail investor information: European P2P platforms are heterogeneous, regulated under different national regimes (or unregulated), and publish varying levels of disclosure. Many aggregator sites accept payment for placement or operate as multi-level affiliate schemes. P2PScore operates as an editorial index: platforms cannot pay for position, and scores derive from quantitative criteria published in our methodology.
We operate a research desk model. Analysis draws on platform financial statements (where public), regulatory filings with bodies including Latvijas Banka, the Bank of Lithuania, the Central Bank of Ireland and Swiss self-regulatory organisations, loan-book statistics published by platforms, third-party due diligence reports, and independent research including academic studies and investigative journalism on the sector. Where platforms provide incomplete data, we document the gap and weight that dimension accordingly.
P2PScore is not a platform, broker, bank or financial adviser. We do not hold client money, execute transactions, or offer custody services. We do not provide personalised investment advice to individuals - everything published here is editorial opinion based on publicly available data.
Platforms do not pay to appear in the index or to influence their score. We do not sell "featured placement" slots. Scores change only when underlying facts change - regulatory status, default rates, financial accounts, or operational events. The one exception is 8lends, a sponsored partner clearly labelled as such across the site; 8lends does not appear in the scored rankings and receives separate editorial treatment.
We do not guarantee safety or returns. Every money page on this site includes a risk warning: capital is at risk in P2P lending, returns are not guaranteed, and investor compensation schemes (where they exist under MiFID II or ECSP frameworks) never cover borrower defaults - only platform insolvency in limited circumstances.
P2PScore earns affiliate commissions when readers sign up to platforms through links on this site. Our primary affiliate partner is Maclear, which pays EUR 30 per qualifying first deposit and holds the top position in our index with a 9.3 score. The score preceded the commercial relationship: Maclear ranks first on regulation (Swiss SRO membership under AML frameworks), zero capital losses across five years of operation, and consistent realised yields of 14.5-14.9 per cent on senior loans to Swiss SMEs and factoring receivables.
Other platforms in the index may pay smaller affiliate fees where commercial agreements exist. Fee amounts do not influence scoring. Full commercial relationships are disclosed on our affiliate disclosure page, and individual affiliate links carry rel="nofollow noindex" attributes to prevent search-ranking benefits.
We accept sponsored content from platforms outside the scored index, labelled explicitly. At present 8lends is the sole sponsored partner. Sponsored partners may contribute educational articles (bylined and labelled) but do not write or edit index content.
Scores rely on public sources: regulatory registers, audited financial statements, platform disclosures, and independent research. Where facts cannot be verified from public documents, we note the limitation. Platforms may submit corrections to factual errors; corrections require documentary evidence and are published with a changelog noting the date and nature of the change.
Opinion is clearly framed as opinion. "We do not recommend new deposits to Platform X" is editorial judgement based on disclosed criteria. "Platform X reported EUR 2.1 million net loss in FY2024" is fact, citeable to public accounts. Defamatory claims are not published; Tier 3 and Tier 4 platforms receive neutral, factual editorial treatment even where scores are low.
Data published in the market statistics, default rates and return calculator tools derives from platform public disclosures or regulatory data where available. Estimates are labelled as estimates. The calculator models compound returns and withholding tax under user-selected scenarios; actual returns depend on individual platform terms, loan performance, currency movements, and tax treatment in the investor's country of residence.
The P2PScore research desk operates as a small editorial project focused on European retail P2P lending. We do not manufacture credentials or fabricate named staff bios. Analysis is published under the P2PScore name, reflecting a research desk model common in financial indices and data providers.
Contact the research desk at the email address on our contact page. We respond to factual corrections, clarification requests from platforms, and press inquiries. We do not provide one-to-one investment advice or portfolio consultations.
The index updates monthly. Scores change when material facts change: a platform obtains ECSP authorisation, files a loss-making year, suspends withdrawals, or is subject to regulatory action. Between monthly updates, breaking news (regulatory alerts, liquidity events, ownership changes) is noted on the relevant platform review page with a dated update block.
New platforms enter the index when they meet minimum criteria: at least 12 months of loan origination history, public financial disclosure or regulatory registration, and a minimum assets-under-management threshold indicating retail traction. Platforms that cease operations, enter wind-down, or lose regulatory permissions move to Tier 4 or are archived with a status note.
Long-term, P2PScore aims to expand coverage to include emerging platform categories (green finance crowdfunding, embedded lending marketplaces) and deepen quantitative analysis on default curves, recovery timelines, and yield dispersion. The scoring methodology evolves as the sector evolves, with changes published and backdated scores recalculated where methodology shifts materially.