Invest in p2p / Which p2p platform? [2025]

Investing / Portfolios
1

Hi folks,

I want to add P2P to my portfolio. Does anyone know of a Swiss P2P company similar to Bondora? Is it worth investing in P2P as a Swiss citizen, or would I be better off putting all the money into VT?

2

I am using foxstone.ch since several years with sucess.

PM me for refferal :wink:

3

Used to do some stuff on splendit (student loans) but they decided to stop new loans; otherwise I use lend.ch and CG24.com which I can both recommend for diversification purposes

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4

About four years ago, I started investing in p2p on four platforms: cg24.com, lend.ch, swisspeers.ch, cashare.ch. My conclusions:

  • In general, it’s not worth it for me. The fees are too high when compared to the risks (see below). I am therefore not investing new money into any of these platforms.
  • Cashare has the worst track record for me. I’m stuck with many defaults with little hope of recovery.
  • cg24 has a system to mitigate individual losses based on solidarity payments for defaults that other occur in the same catetory. I’m not a fan of this system, since it required me to pay for defaults outside of my control.
  • Swisspeers is ok. I’m only stuck with a small default, the rest has worked will.
  • Lend is the only platform with no defaults and no restructuing of loans (so far, I’m still invested substantially until 2026).
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5

Invest in Mintos since more than 10 Years, approx. return 10% p.a. I have made worse investments in my life…

6

Did you invest in p2p loans via Mintos only, or does this return also include some ETF’s or RE investment via Mintos?
And I suppose the 10% p.a. in euros (since currency is euro there)?

7

10,8% in Euro, I only invest in loans manually and only in loans with more 12% interest.

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8

So, Lend seems to be the “safest” from your list. Do you think they do better loan-customer-vetting. Do you think you were “lucky” with no defaults there, or is it, at least partially, due to “management”? Without predicting the future :wink: would you recommend Lend most from your list? Thanks for any info, opinions etc.

9

I used lend.ch extensively some years ago and still have some projects running until end of 2026. My idea was somehow to use the loans as boring and unrelated investment with the payback aligning to my mortgage to potentially pay back part of the mortgage if the yield situation is less favorable. While the process of lend.ch is ok and improving, I have not really accounted for the risk properly. I invested 60k and got like 6.6k out minus their share = 4.9k which is a nice 8% yield. However, this is over a course of 6years with no new investments since 5years. Furthermore, I have one default 0.5k which was a weird situation as apparently the collateral could not be used. Overall, I think P2P is a high risk investment without the high returns. Therefore, I have stopped all my projects and focus on stocks and some crypto for the high risk part.

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10

Thank you for all the interesting inputs :slight_smile:

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11

My only investment in P2P was a one time CHF 300 at crowd4cash which defaulted when I had 50% back

I have no clue what is going on but it has been 3y since the last payment. Based on very little data I would recommend yo stay away from P2P and from crowd4cash.

12

This.

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13

Been investing in P2P for 2 years and so far no default. Just choose the right platform which has good track record. Check P2P Empire on youtube, he’s transparent and show you what’s going on in the industry. I currently invest in Fintown, Peerberry, Esketit and Robocash and no delay or default

14

Let’s talk again in 10 years time…

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15

Sure I’m not saying it’s the safest investment ever but if @Oxyver wants to have opinion this what I can share from my experience

16

I tried various platforms. For most the risk doesn’t justify the investment. In my overall portfolio it only accounts for 3%.

  • Creditgate has to low of a return after all. And too high stakes investement last time i checked (min. 20k etc), for real estate. Ask yourself why they have to go to creditgate for a loan in real estate.
  • Crowd4Cash.ch not enough projects and late loans constantly. Still have some left after 5 years that see little to no payback.
  • Mintos was catastrophic at the beginning. Although didn’t leave the platform with a loss, i still have blocked investements. Not going to touch those ever again, although it looks much better nowadays.
  • Bondora, not enough interest to justify investing in Euro.

After about 5 or 6 years now, I consolidated everything to robo.cash. There I had the best experience so far. Although it changed quite a bit over the years. But over the entire period it’s at 10.81% now (was at about 13% at the beginning).