Is P2P Lending a Scam?

Updated: 26 November 2025

    Table of contents

Table of contents

    Top Platforms

    rating(6163)
    info icon

    Avg. yearly return 9%

    9.2/10
    Safety Score
    Portfolio status

    Portfolio performance: 100%

    rating(3453)
    info icon

    Avg. yearly return 11.82%

    10.0/10
    Safety Score
    Portfolio status

    Portfolio performance: 100%

    rating(2241)
    info icon

    Avg. yearly return 14%

    8.5/10
    Safety Score
    Portfolio status

    Portfolio performance: 100%

    Featured

    Show Morearrow down
    investing riskInvesting on any investment platform is subject to risks. The actual profit from your investment may vary.

    Latest Guides

    EN/ACADEMY_FEATURED_IMAGES/lender-rating.webp
    pros
    pros
    Should You Trust Lender Ratings?Thinking about using lender ratings to diversify your P2P portfolio? Read this guide before you do so!
    calendar icon19 August 2022
    EN/ACADEMY_FEATURED_IMAGES/p2plending-mistakes.webp
    beginners
    beginners
    6 Newbie P2P Lending Mistakes & How You Can Avoid ThemDiscover the 6 costly mistakes most P2P investors make—and how to avoid losing your hard-earned money!
    calendar icon27 November 2024
    EN/ACADEMY_FEATURED_IMAGES/microlending.webp
    advanced
    advanced
    What You Need To Know About Investing In MicroloansDid you know that most P2P investors invest in microloans? Learn all there is to know about microlending.
    calendar icon10 June 2021
    p2p empire logo

    EmpireMedia OÜ (“we”) is a private limited company registered in the Commercial Register of the Republic of Estonia under registration No. 16284117, with an address at Harju maakond, Tallinn, Lasnamäe linnaosa, Lõõtsa tn 2a, 11415, Estonia. P2P Empire is not regulated under any financial service license. We are neither a lender nor a P2P platform and do not offer financial advice. P2P Empire is a website that helps you compare various P2P lending platforms. Investing in loans or any other asset class is subject to risks. By using p2pempire.com, you accept our cookie policy and terms and conditions. Some of the offers in our comparison are from third-party affiliate partners from which we will receive compensation at no further cost to our readers.

    © 2026 All rights reserved.

    EmpireMedia OÜ (“we”) is a private limited company registered in the Commercial Register of the Republic of Estonia under registration No. 16284117, with an address at Harju maakond, Tallinn, Lasnamäe linnaosa, Lõõtsa tn 2a, 11415, Estonia. P2P Empire is not regulated under any financial service license. We are neither a lender nor a P2P platform and do not offer financial advice. P2P Empire is a website that helps you compare various P2P lending platforms. Investing in loans or any other asset class is subject to risks. By using p2pempire.com, you accept our cookie policy and terms and conditions. Some of the offers in our comparison are from third-party affiliate partners from which we will receive compensation at no further cost to our readers.

    © 2026 All rights reserved.