I tried cashare.ch but had mixed results. Tried to participate in 11 loans with small money (~300 chf) but 4 went bankrupt and I lost practically all. I’m cool with it it was “play money” but it still stings. I have to say I shooted for like 8% average since there is an annual fee of 0.75% (which is not bad if you look at other alternatives) and trying to have 7+% of interest on my loans. I believe that if you go “safe” around 3-4% it can be a nice diversification. But main pain points are two: illiquid investment, you have to wait 3-5 years to get back your principal (you receive every month a fraction of the principal plus interest) and the income is fully taxable.
Do you have experience ? Share your story on p2p lending in CH