The EU Euro zone leading marketplace lending platforms

Lending Deposit gives you an overview of the size and likely future returns of the leading peer-to-peer or marketplace lending platforms based in the Euro Zone.

Summary of leading Euro marketplace lending platforms

The following table gives an overview of the total volume of the loans funded by the major platforms of the Euro zone. The data is as of December 2015 and are of of 12-months forward-looking returns, net of risk costs and platform fees.

Your questions and feedback are welcome. For a further explanation of the table captions please see the Table Description at the bottom of the page.

Name Volume to date in million EUR Restrictions Expected annual return Riskiness Active since Type of loans
Auxmoney 426 Low 6.7% Low 2007 Mainly consumer loans
Prêt d'union 254 Medium 5.7% Low 2009 Small business loans
Geldvoorelkaar 70 Medium 7% Medium 2010 Small business loans
Bondora 48 Low 10.0% High 2009 Mainly consumer loans
Comunitae 25 Medium 7.0% Medium 2009 Mainly small business loans
Smartika 22 Low 5.6% Medium 2012 Mainly consumer loans
UniLend 15 Medium 8.5% Medium 2013 Small business loans
Linked Finance 13 Medium 8.0% Medium 2011 Small business loans
  • Auxmoney

    Auxmoney operating since March 2007 is now the largest online marketplace for loans in Germany. A main advantage of Auxmoney for the common investor is that volumes are high enough to diversify the portfolio properly. However the average return at 6,7% is lower than what most of the european platforms offer. For most European investors Auxmoney is le to comparable to medium sized british platforms but doesnt bear the currency risk.

    The targeted return is calculated based on the historical performance of loans that would have corresponded to the respective score categories.

  • Prêt d'union

    Pret d’union is the first private credit institution authorized by the ACP. It is also France’s number one online marketplace platform.Pret d’Union offers investors 5 differetn investment strategies that differ in time and risk. For especially advanced investors Pret d’Union has the option to develop your own investment strategy.

  • Bondora

    Bondora is an online platform for fixed-income investments in European personal loans.Bondora remains the consumer friendly, convenient, easy-to-use secure web service for global peer-to-lending marketplace and supported by investors, endorsed by borrowers and approved by countries globally. Although Bondora promises very attractive returns investors have to take the high default rates into consideration when thinking about ivesting in Bondora.

  • Smartika

    Smartika is the first online community in Italy that offers its members social lending services. Smartika is regulated as a european payment institution.

Table description

  • Volume
    The Volume data given in the tables are either directly taken from the respective website or estimates from us if there is no data.
  • Restrictions
    Under “Restrictions” we evaluate the complications European investors face investing in the respective platform such as Currency risks, legal restrictions and the minimum investment size.
  • Expected annual return
    The given expected return is directly taken from the platforms websites; only in the case that there is not information provided do we estimate the number.
  • Riskiness
    Under “Riskiness” we try to give the investor an idea how risky the investment is given historical default rates and the loan type. Different loan types carry different risks: Asset-backed loans are for example less risky than personal loans which are especially affected in times of economic instability.
  • Type of loans
    Indicates the biggest group of loan types the respective platform deals with.