Your reference point in the world of crowdlending
With over 4 years' successful experience, my aim here is to offer you an independent, straightforward and honest look at the platforms available in Europe, based solely on what I've actually tested.
Welcome to IndexP2P, the website dedicated to the analysis, comparison and monitoring of crowdlending platforms.
Whether you're a beginner or a seasoned investor, here you'll find detailed reviews, P2P platform comparisons, and real-time monitoring of my equity loan portfolio.
My experience with equity loans
Crowdlending, or lending between individuals, is an innovative solution for diversifying investments, generating passive income and investing online in an accessible way.
I share my feedback, returns and the risks associated with each platform to help you invest with confidence.
My route, your shortcuts
When I discovered crowdlending, I spent hours looking for reliable information, concrete feedback and clear comparisons.
Today, with a little hindsight (and a few mistakes too), I want to share everything I've learned to help other investors save time and avoid certain pitfalls.
My aim is not to sell you a dream, but to give you a transparent, honest and as practical as possible view of participative lending platforms.
If it can save you a lot of trouble or enable you to better diversify your investments, then it's a win-win situation.
Our latest articles
Discover our latest guides and the latest news from your favorite platforms !
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What's in it for me (and you)?
Some of the platforms I present offer sign-up bonuses if you go through a partner link.
On my side, I earn a small commission, and on your side, you often benefit from a reserved advantage (cashback, deposit bonus, reduced fees...).
It's totally free for you, and allows me to support this site and continue to offer you up-to-date content, without ads or subscriptions.
And of course, I remain independent in my tests and opinions, whether the link is affiliated or not.
For maximum transparency, affiliate links are never hidden, and are detailed, giving you the choice of whether or not to use them.
Frequently asked questions
Do you have questions about crowdlending, how platforms work or the risks involved?
I've put together the answers to the questions I'm most often asked, in a simple, straightforward and jargon-free way.
Crowdlending enables you to lend money to individuals or companies via an online platform, in exchange for a return. It's an alternative to traditional investments, with a higher risk, but often better returns.
Yes, like any investment. The main risks are partial or total loss of capital and illiquidity (you can't always withdraw your money at any time). But with the right diversification and analysis, you can limit these risks.
It depends on the platform and the project, but gross returns often vary between 8% and 12% per annum. Defaults, taxes and any fees must be deducted.
Most platforms accept investments starting from €10 or €50 per project, allowing you to test and diversify gradually, even with a small capital.
As an individual investor, I test the platforms myself and share my results transparently. The site is independent, and even if some links are affiliated, I remain free in my opinions and ratings.
It depends on the platform. Some take a commission on refunds, others charge exchange or withdrawal fees. I indicate them in my comparison sheets.
As an investor, I have a view on all the platforms listed here. Fortunately, I made some good choices during the pre-investment selection process, which is why the majority of platforms are recommended. Beware, however, of a few poor performers who didn't do as well for me as the others !
Yes, crowdlending is authorized and regulated. Many platforms are registered with the AMF or approved as providers of participative financing services. However, you need to check the regulations specific to each platform, especially if it is foreign.