Transparency on our method, the risks and the site's business model.
Does this site give investment advice? +
No. Smart Finance Guide only provides factual information and comparisons. No personalised recommendation is given: every decision is yours and should reflect your situation.
How does the site make money? +
Some links to platforms are affiliate links: if you open an account through them, the site may earn a commission at no extra cost to you. These links are disclosed.
Is P2P lending risky? +
Yes. Crowdlending carries a risk of capital loss, borrower default and platform failure. Several European platforms have gone bankrupt. Displayed rates are historical and guarantee nothing.
What does “regulated” mean? +
A regulated platform holds a licence (investment firm, IBF licence, PSFP approval…). This imposes obligations but does not remove the risk of loss.
How are platforms selected? +
We include notable European platforms, active or historically important, accessible to retail investors. Closed or defaulted platforms are kept for transparency.
Is the interest calculator reliable? +
It is a theoretical compound-interest projection, for educational purposes. It assumes a constant rate and ignores taxes, defaults and market variations.
Disclaimer. This site contains affiliate links (advertising). Content is provided for information only and does not constitute personalised investment advice. Investing involves risks, including total loss of capital. Past performance does not guarantee future results.