P2PScore is an independent review and comparison site for European P2P lending platforms. We earn money through affiliate commissions and sponsored placements. This page explains exactly how we earn, what that means for you, and how we maintain editorial independence.
Some links on P2PScore are affiliate links. When you click an affiliate link and subsequently open an account or make a qualifying deposit on a platform, P2PScore may earn a commission from that platform. This commission costs you nothing - you pay the same fees and receive the same terms whether you arrive via our link or directly.
Currently, P2PScore maintains an active affiliate relationship with Maclear, which pays commissions on qualifying deposits from referred investors. Maclear also offers a EUR 30 bonus to new investors who deposit at least EUR 1,000 and maintain the balance for 90 days - this bonus comes from Maclear, not from P2PScore.
All affiliate links on P2PScore carry the HTML attribute rel="noopener nofollow noindex" to signal to search engines that the relationship is commercial. Where an affiliate link appears, the platform name or button typically says "Visit PLATFORM" or similar.
P2PScore accepts sponsored placements from platforms that wish to appear alongside our editorial content. Sponsored placements are always clearly labelled with the word "Sponsored" or a visual badge.
8lends is currently our featured sponsored partner. 8lends offers collateral-backed SME loans with advertised returns up to 25 per cent APR. Because 8lends is a sponsored placement and not part of our scored ranking methodology, it does not receive a P2PScore rating or appear in our main platform comparison table. Every reference to 8lends on this site - in the header navigation, in contextual call-to-action boxes, or in guides - carries a "Sponsored" label.
We do not accept payment to alter scores, rankings, or editorial opinions. Sponsored placements buy visibility, not endorsement.
Platform scores on P2PScore are determined by our public scoring methodology, which evaluates six dimensions: regulation (25 per cent), defaults and recovery (20 per cent), originator structure (15 per cent), track record (15 per cent), fees and net yield (15 per cent), and liquidity and user experience (10 per cent). Each dimension is scored 0-10 using objective criteria published in full on the methodology page.
Scores are set before any commercial conversation begins. When we review a platform, we apply the methodology, publish the review, and only then consider whether an affiliate relationship might be appropriate. We have declined affiliate offers from platforms that requested score changes, favourable placement, or removal of critical commentary as a condition of partnership.
Rankings are recalculated monthly to reflect new data on defaults, regulatory changes, platform financials, and user sentiment. A platform's affiliate status does not exempt it from downward revision if the data warrants it.
Affiliate commissions and sponsored placements fund the operation of P2PScore. This includes:
We do not accept money from platforms to suppress negative information, delay bad news, or promote products we believe are unsuitable for retail investors.
P2PScore commits to the following transparency standards, consistent with FTC guidelines in the United States and consumer-protection directives in the European Union:
If a platform terminates its affiliate relationship because of critical coverage, we will continue to review and score that platform on the same terms as all others.
P2PScore reviews and scores platforms regardless of affiliate status. The majority of platforms in our index - including highly ranked platforms such as InRento, Mintos, Capitalia, and Nectaro - are not affiliate partners. We link to these platforms editorially, without earning commissions, because they are relevant to investors comparing options.
We also review and score platforms with which we would not partner even if offered, typically because they lack transparent financials, face regulatory scrutiny, or have suspended withdrawals. These reviews serve an investor-protection function and remain on the site regardless of the platform's commercial status.
P2PScore reserves the right to add or remove affiliate partnerships as the European P2P market evolves. Any material change to our commercial relationships or disclosure practices will be reflected on this page. The date of the most recent update appears in the page schema metadata.
If you have questions about our affiliate relationships, scoring methodology, or editorial independence, contact us via the contact page. We respond to all substantive queries within 72 hours.