Peer-to-Peer (P2P) Lending in Poland – Top 5 Platforms 2023

If you’re a Polish investor interested in P2P lending, you’ll want to know the top platforms available for investing in peer-to-peer lending in Poland. These are the best options currently available:

Best local platforms for peer-to-peer lending in Poland

In Poland, there are currently only a limited number of P2P lending platforms available, with most of them concentrating on providing consumer credit. Below are some of the most noteworthy P2P lending platforms active in Poland:

  • Finansowo

History of peer-to-peer lending in Poland

Peer-to-peer (P2P) lending, as a concept, started gaining interest in Poland around the mid-2010s. The growth of P2P lending can be attributed to the increasing popularity of fintech and the success of P2P lending platforms in other countries like the United States, the United Kingdom, and the Baltic states.

In the initial years, a few P2P lending platforms emerged in Poland, such as and However, these platforms did not gain significant traction and eventually ceased operations. This was primarily due to a lack of trust among borrowers and lenders and the absence of a robust regulatory framework for P2P lending in the country.

Over time, Polish investors began exploring opportunities in foreign P2P lending platforms, particularly those based in the Baltic states like Latvia, Lithuania, and Estonia. These platforms offered higher interest rates and better risk management, attracting Polish investors. European P2P lending platforms such as Mintos, Esketit, and PeerBerry gained popularity among Polish investors, offering opportunities to invest in loans from different countries, including Poland.

The regulatory environment for P2P lending in Poland has evolved slowly over the years.

Comparison to other market

Comparing P2P lending in Poland to other markets, it is evident that Poland lags behind its neighboring countries and European counterparts. For example, the Baltic states, particularly Latvia, have established themselves as leaders in P2P lending in Europe, with platforms like Mintos dominating the market.

Additionally, countries like Nederlands and Germany have a more mature and diverse P2P lending market, with numerous platforms catering to various niches.

Best foreign platforms for P2P lending in Poland

To find the best platform for P2P lending in Poland, investors should consider low fees and high returns. Several platforms are popular in Poland, including:

  • Lendermarket: This platform offers easy-to-use P2P lending options with low fees and high-return loans.
  • Esketit: This short-term loan platform offers high potential returns.
  • Reinvest24: This crowdfunding platform focuses on equity investments in real estate projects abroad.
  • AxiaFunder: This litigation crowdfunding platform is suitable for investors looking for a different kind of investment opportunity.
  • PeerBerry: This platform offers a variety of P2P lending options with a buyback guarantee.

Each platform offers unique investment options, so investors should research to find the best fit for their goals. By investing in P2P lending, investors can access low-cost loans and potentially earn higher returns.

FAQ about P2P lending for Polish investors:

One benefit of utilizing international P2P lending platforms in Poland is that it provides lenders with access to a larger pool of potential borrowers and a wider range of investment options. Moreover, overseas platforms may provide more favorable rates and terms in comparison to domestic lenders. European P2P lending platforms can also offer access to a more diverse and international group of investors, which can reduce investment risk and increase investment liquidity.

One of the key benefits of utilizing a local P2P lending platform in Poland is the increased accessibility it provides to both borrowers and lenders within the country. This is particularly advantageous if you want to contribute to your local community. Furthermore, local platforms can offer customized services to Polish borrowers who are well-versed in the domestic market, tax laws, and regulations. By using a local platform, you may also be able to minimize the expenses associated with transferring funds from foreign lenders due to currency exchange rates. However, this may vary based on the currency you wish to invest in. Overall, utilizing a local P2P lending platform in Poland can be a great way to support your community while taking advantage of tailored services and reduced costs.