International Peer to Peer Lending Sites

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Do you want to invest money online in peer to peer lending platforms? Check our P2P lending comparison table comparing most important features across best p2p lending platforms.

Peer to Peer Lending for International Investors

Peer-to-peer lending is a contemporary name for an old practice. People (peer lenders) lending funds directly to family, friends, and acquaintances. The modern p2p website utilizes the internet to introduce borrowers and lenders investing in p2p loans worldwide.

The concept behind p2p lending international sites is that borrowers pay lower rates of interest while investors get the best p2p lending rates by simply cutting out intermediaries. When using peer-to-peer lending platforms, you eliminate banks from the equation.

This is one of the investment precincts that has grown in the financial crisis. Due to its versatility and best rates, the peer to peer lending business has surprisingly improved and proved to be a viable investment.

Why invest through a p2p lending platform?

P2P Lending is interesting because it is a fixed-income asset that is not available via other channels. Fixed-income assets mean that the terms of the investment are fixed. The duration of your investment could be 1 years for example and it is agreed before you make the investment.

The interest rate or return you should be making is also fixed and it is agreed in the loan contract that you basically sign with the borrower and it could be for example 12%. Then also the payment dates are fixed.

One thing that is very common is to have monthly repayments. Every month the borrower will pay an annuity payment that comprises of interest and principal, and over the term of the loan, the loan would be fully repaid including the interests.

International peer to peer lending sites

Nowadays P2P lending is experiencing robust growth. In this article, we would want to offer details on the best p2p lending sites open to international investors. The minimum investment in most p2p lending platforms listed below is 10 Eur. It's worth a try. You will learn along the way !

Legal Anti-Money-Laundering Law requires the platforms to verify identities of investors. In those trustworthy loan sites that are detailed below, you are qualified to invest if:

  • You've at least 18 years of age
  • You have a document to verify your identity. E.g. Utility expense, Legitimate passport or tax certificate ...
  • You have a bank account in the SEPA region or third countries currently considered to have AML/CFT systems equivalent to the EU.

Non-EU citizens have the ability to generate passive income with Crowdestate www.crowdestate.eu. Crowdestate has already collected € 22 million in 46 projects, with an average return of 23.78% in October 2017. The company is basedin Estonia and has been in operation since 2014.

Crowdestate offers higher interest rates, as funded projects are often in a very early stage of development. The length of the investment varies from a few months to up to three years, and it is now possible to start with € 100.

Debitum Network is another borderless platform that seeks to solve the problem small businesses often face due to lack of credit access . Debitum is a blockchain-based platform where investors can get returns around 10-15%.

Here are the best p2p lending sites for investors

Fast Invest

The FinTech company Fast Invest www.fastinvest.com has been operating since 2015 in the investment loan space, connecting funders with loan-seekers in a peer-to-peer exchange. With more than 8,500 daily users from 36 countries, FastInvest is quickly growing with branches planned for U.S., Hong Kong, and Singapore. You can start investing with as little as 1 Dollar or Euro. So it’s accessible to anyone, and it doesn’t matter how much money you have...

Who can invest in Fast invest

Non-EU citizens have the ability to generate passive income with FastInvest as long as they have an EU IBAN account. Users have the additional benefit of being able to invest using various currencies, including the EURO, GBP, USD, and PLN. Converting these various currencies is easy since the platform offers a free currency exchange tool. Also new is the ability to invest in loans originating from Denmark. With potential interest rates of up to 14%

PeerBerry

PeerBerry peerberry.com joins the P2P platforms in the European market. Investors can set the user interface in English and German, Peerberry is one of the easiest P2P platforms to use.

The main product is short-term loans from Eastern Europe with a maturity of 30 to 60 days. Investors never tie up their money for more than two months. This is not always possible with many other P2P platforms.

Many investors are skeptical when it comes to financing short-term consumer loans. The platform is aware of this and offers a buyback guarantee on almost all investments. This should be activated as soon as the payments for your loan are more than 60 days late. The lender buys back your investment in this case.

Who can invest in PeerBerry ?

PeerBerry is open to investors in the European Union and several other countries.

DoFinance

DoFinance www.dofinance.eu is a peer to peer investing p2p loans system for private people to invest in customer loans. DoFinance is a part of the Alfa Finance Group – an online lending and investment organization working in Asia, Transcaucasia and Europe.

Since its start in 2015, the Alfa Finance team has attracted over 150,000 customers that were registered and over € 16-million in loans issued as funding loans.

Loans available for investment on DoFinance are derived from the Alfa Finance Group. While its headquarters are located in Latvia, the Alfa Finance Group also has offices in Georgia, Poland, and Indonesia.

DoFinance aspires to become the most user-friendly and safe P2P lending platform so that everybody can participate in processes that are seemingly intricate and become his or her own economic director.

Who can invest in DoFinance ?

You must be at least 18 years old, have a valid e-mail address, valid documents (passport or identification card) and bank account within the European Union, Switzerland or any other country of the EEZ, which is not included in the lists of high risk and non-cooperative jurisdictions or is not subject of international sanctions. For complete registration you will have to provide a national identification card (scanned or photographed both sides) or passport (scanned or photographed).

Viainvest

Viainvest www.viainvest.com is a Latvian p2p lending international platform of the VIA SMS Group, a fast-acting financial intermediary with 150 employees operating in 5 countries in Europe (Latvia, Sweden, Poland, Czech Republic and Spain) and headquartered in Riga, Latvia.

Viainvest is a platform with very short term loans (maximum 30 days), the most common interest rate is 10% although there are some at 12%, they do not charge any commission to the investor and have the possibility of investing p2p loans through auto invest tool.

Who can invest in Viainvest ?

To begin investing as a private individual, you must be at least 18 years old and hold a tax residency within one of the European countries or Switzerland.

Grupeer

Grupeer www.grupeer.com is a Latvian credit platform that was launched in early 2017. This P2P platform allows you to invest in secured loans. Based on our experience, returns range from 13 to 15% pa, with credits ranging from 1 to 14 months and a 60 day buyback guarantee.

The platform is simple, it offer higher returns and it's possible to start investing from onñly € 10

Who can invest in Grupeer ?

In accordance with AML (Anti Money Laundering) legal requirements Grupeer accept money transfers from accounts opened with licensed credit institutions in the countries of the European Economic Area (all EU Member States, Norway, Iceland and Liechtenstein), as well as Switzerland. Accordingly, citizens / residents of these countries can register and make investments through the Grupeer Platform. In order to register and close deals, you need to be an adult capable person with a bank account.

Bondora

Bondora www.bondora.com based in Tallinn, Estonia. Formerly called isePankur is one of the popular international peer to peer lending sites and the first to enable cross-border lending (open to investors from all countries).

Bondora now are eyeing a pan-European industry, including Central and Eastern Europe. P2P loans are offered by Bondora to borrowers in 4 European countries.

You can set the auto invest to buy a set of loans based on three settings. You can't fine-tune the auto investor tool to purchase solely loans with an A or AA ranking. There isn't any buyback guarantee on the loans.

Who can invest in Bondora ?

Anyone over the age of 18 living in the European Union, Switzerland or Norway and businesses registered in the EU or from any other country approved by Bondora. If you are an investor from Australia, Brazil, Canada, Hong Kong, India, Japan, South Korea, Mexico, Singapore, South Africa or The United States of America then Bondora need to verify that you are an "accredited investor". As part of the verification process Bondora ask you to send them different information and documents.

Mintos

Mintos www.mintos.com has the peer to peer lending best rates. Mintos is one of the best peer to peer lending and the biggest p2p platform. At Mintos, Latvia. Both institutional and retail investors can invest in fractions of loans.

Mintos Loan Originators

Currently, they serve small-company loans, private loans that are unsecured, secured auto loans, and home mortgages. The minimum investment in one loan is EUR 10.

They have plenty of loans to invest, and they also make it possible for just about any individual to select exactly what it desires. Since it brings together investors and loan originators like Capitalia, Mogo loans and Debifo among others. Mintos harbors some substantial distinctions to other peer to peer platforms!

Who can invest in Mintos ?

Both individuals and entities can invest through Mintos. Individual investors must be at least 18 years old, have a bank account in the European Union or third countries currently considered to have AML/CFT systems equivalent to the EU, and have their identity successfully verified by Mintos.

Mintos Registred Investors Overseas

Mintos accept SEPA money transfers from bank accounts or payment services in the European Economic Area and also in Australia, Brazil, Republic of South Africa, Hong Kong, India, Japan, Canada, South Korea, Mexico, Singapore and Switzerland.

If you do not have an EU IBAN account. With Transferwise borderless account you get instant international bank details to receive money from over 30 countries around the world with zero fees. That means you can get an European IBAN account to transfer money or get paid from the UK, the US, Australia, and any country in the Eurozone, and no-one pays any fees.

The complete list of international p2p lending sites

Other p2p investing sites which say they accept international investors in their Terms and Conditions are Rebuilding Society in the UK, Pret union in France, Bitcoin lending platform Bitbond in Germany and peer to peer lending club and websites like prosper in the US. Here's a complete list of all the platforms.

I think we'll see a growing number of lending companies names that allows any p2p lending international investor or borrower to use these platforms.

What is the actual return that you can expect from P2P lending

Obviously, that can be a broad range because peer to peer lending sites and peer to peer companies covers a pretty broad set of different segments. You may invest in personal loans or payday loans at the beginning then you may invest in small business loans or larger business loans and it can even go to relisted loans.

Today peer to peer lending exist for quite a few years and there are international peer to peer lending sites that cover a lot of these different segments and they pay different interest rates which mean that the returns can be different.

The best p2p lending rates you can expect for international peer to peer lending sites are around 8% to 12%‎. When you compare that to what your bank would pay you on a fixed term deposit for example, in most of the cases this will be significantly more and this is what's make investing p2p loans such an attractive asset class.

Because it has a relatively better risk and return relationship than a lot of other similar assets. This is the reason why peer to peer lending is really exciting and why it's definitely worth spending time with it.

Comparatif des plateformes d'investissement alternatif

L'investissement dans les Fintech connait une hausse sans précédent, investir dans des investissements alternatifs peut être un processus facile. Les tableaux de comparaison sont conçus pour vous aider à trouver les meilleures plateformes de financement alternatif.

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Mots clés: p2p lending platforms
I’ve been teaching Economics for high school students, mostly focusing on personal finance. I also have a good basic understanding of economics from several economics classes during my university studies.

Commentaires

  • Invité
    Aidan mardi, 13 juin 2017

    DoFinance has become the first European-based peer-to-peer lending platform to open a customer center in Indonesia.

    Répondre Annuler
  • Invité
    heinz jeudi, 20 décembre 2018

    What P2P lending sites allow international investors to pay and get paid trough PayPal or credit cards?

  • Invité
    Ideleral dimanche, 23 décembre 2018

    Bandora allows you to invest and withdraw using Visa and MasterCard debit and credit cards.
    Mintos will add personal IBAN accounts and debit cards to its marketplace in the near future. The IBAN accounts will give investors the ability to make and receive payments worldwide.

  • Invité
    Bellinn vendredi, 28 décembre 2018

    Is it possible to invest in P2P lending as a foreigner in Korea?

  • runted
    runted samedi, 29 décembre 2018

    Mintos accept money transfers from Soutn Korea.

Commenter cet article

Invité samedi, 16 février 2019

Disclaimer

Toutes les informations fournies par Global P2P Lending sont fournies à titre informatif uniquement et ne constituent en aucun cas un conseil financier professionnel. Veuillez contacter un professionnel financier indépendant pour obtenir des conseils sur votre situation spécifique.

Les investissements alternatifs peuvent être risqués et peuvent ne pas convenir à votre situation financière. Vous devez toujours procéder à votre propre diligence raisonnable avant de prendre une décision d'investissement.