Personal loans Crowdfunding platforms in Estonia


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Monestro is a crowdfunding platform based in Estonia that specializes in peer-to-peer (P2P) lending. It was founded in 2014 and operates in the SME and personal loans industry. The platform allows investors to directly connect with borrowers, eliminating the need for intermediaries. Investors on Monestro can make bids on loans based on real market conditions. They also have the opportunity to ask borrowers questions and access the secondary market. The minimum investment required is 10 EUR and the advertised return is 0.13. Monestro's website is available in multiple languages, including English, German, Estonian, and French. The platform is open to both individuals and companies, with certain eligibility criteria. Individual investors must be at least 18 years old and citizens or permanent residents of the European Economic Area or Switzerland. They are also required to have a bank account in the European Economic Area and have their identity successfully verified by Monestro. For companies, family trusts, partnerships, and other organizations, a bank account and registration in the European Economic Area or Switzerland are mandatory. However, UK citizens, residents, or taxpayers are currently not eligible to invest on Monestro. Overall, Monestro provides a user-friendly P2P lending platform for investors to support SMEs and personal loans, while also offering transparency and accessibility features such as the secondary market and direct interaction with borrowers.

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Swaper is a crowdfunding platform based in Estonia that specializes in P2P lending in the personal loans industry. Established in 2016, the platform provides individuals with the opportunity to invest in loans, with the potential to earn a maximum annual return of 16%. Swaper aims to provide a simple, easy, and transparent investment experience for its users. With exponential growth since its inception, Swaper has garnered significant attention within the investing community. The platform has raised substantial funds, positioning itself as a major player in the industry. To become an investor on Swaper, individuals must be at least 18 years old and residents of a country within the European Economic Area (EEA), Switzerland, or the UK. Additionally, investors must possess a bank account within one of these countries. However, at present, Swaper does not accept investors from Poland or private investors from Estonia. The definition of a resident extends to citizens, individuals with residence permits, and those registered as taxpayers within the specified regions. Swaper's website is available in both English and German, providing accessibility to a broader audience. The platform's minimum investment requirement is a mere 10 EUR, catering to a wide range of investors. Overall, Swaper offers a reliable and regulated crowdfunding platform for individuals looking to invest in the personal loans sector.

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Income Marketplace

Income Marketplace is a crowdfunding platform based in Estonia that specializes in P2P lending. Founded in 2020, the platform focuses on the personal loans industry, allowing investors to invest in loans from around the world. The platform's website, accessible through, provides all the necessary information and features to facilitate the investment process. Income Marketplace sets a minimum investment amount of 10 EUR, making it accessible to a wide range of investors. The advertised return stands at 0.1181, attracting potential investors looking for profitable opportunities. To be eligible to invest, individuals must meet certain requirements. They need to have a bank account in one of the countries within the European Economic Area (EEA) and possess relevant identification documents such as an EEA country-issued passport, ID card, or residence permit. Additionally, investors must be at least 18 years old and provide a copy of their identification documents to the Income Company. By providing a platform for P2P lending, Income Marketplace offers investors the opportunity to diversify their portfolios and potentially achieve attractive returns. The platform aims to connect borrowers and investors from around the globe, serving as an intermediary that facilitates secure and transparent transactions. With its user-friendly website and accessible minimum investment, Income Marketplace strives to create a seamless experience for investors interested in the personal loans industry.

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Omaraha is a crowdfunding platform based in Estonia, founded in 2011. It operates in the P2P lending industry, specifically focusing on personal loans. Catering to a wide range of individuals and companies, Omaraha offers a diverse investment opportunity through its platform. The platform supports both English and Estonian languages, making it accessible to users from different backgrounds. With a minimum investment requirement of just 10 EUR, it provides a low entry barrier for potential investors. While the exact advertised return is not mentioned, Omaraha emphasizes its commitment to connecting borrowers with investors, providing a fast, flexible, and responsive service. This suggests that investors can expect favorable returns on their investments. Omaraha serves both personal and corporate investors, further expanding its user base. This means that individuals looking to achieve financial goals, as well as businesses seeking investment opportunities, can both benefit from this platform. Overall, Omaraha offers a convenient and user-friendly crowdfunding platform that connects borrowers and investors in the personal loan industry. With its low minimum investment requirement, diverse user base, and emphasis on fast and flexible services, Omaraha presents an attractive option for those looking to invest in Estonia.

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Kreditex, based in Estonia, is a crowdfunding platform founded in 2011. It specializes in P2P lending within the personal loans industry. The platform provides investors with a modern alternative to conventional loan and investment options. Kreditex aims to offer a comfortable investment environment that guarantees good and safe returns for its investors. The platform's website is available in both English and Estonian, allowing users from various countries to access its services. Kreditex places no strict limitations on the minimum investment amount, as it starts as low as 20 EUR. However, the advertised return on investments is not provided. Kreditex positions itself as a licensed credit intermediary, providing lenders and borrowers with a secure and reliable platform. It welcomes both personal and corporate investors, offering them an opportunity to diversify their investment portfolios and access the personal loan market. Overall, Kreditex acts as a facilitating platform for individuals and businesses to connect and engage in loan-based investments. As a reputable crowdfunding platform in Estonia, Kreditex is dedicated to providing a beneficial investment experience for its users.

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MoneyZen is a crowdfunding platform based in Estonia that focuses on P2P lending in the SME and personal loan industries. Founded in 2013, MoneyZen aims to create a sense of peace and balance, referred to as Zen, in the world of financial transactions. The platform enables individuals to invest their money and connect with borrowers directly, promoting transparency and a sense of humanity in the lending industry. MoneyZen operates primarily in two languages, English and Estonian, making it accessible to a wide range of investors. The platform's website,, provides prospective investors with detailed information and resources to make informed decisions. One of the notable features of MoneyZen is its relatively low minimum investment requirement of 100 EUR, allowing both personal and corporate investors to participate. However, the platform does not advertise a specific return on investment, so potential investors will need to do their research to determine the potential earnings. Overall, MoneyZen offers individuals and businesses the opportunity to invest in P2P lending while emphasizing transparency and a balanced approach to finance.