Average interest rates dropped drastically since the beginning of the year; why? Is it still worth it?

João Gonçalo Arroja De Matos Oliveira

• January 21, 2026 13:38

Hi.

I noticed that the average interest rates for loans available in EUR has dropped drastically since the new year; I went from a personal average of about 11% last year to around 8-8,5% this year. This translates to less and less available loans - at least, again, loans in EUR and from loan orig. having at least a 7.0 rating - and, obviously, more and more uninvested capital.

Adding to that, having had - still having, I should say - bad experiences, resulting in losses and never-ending court proceedings that will, almost inevitably, result in further losses, the question arises: for this kind of rates, and with the insecurity linked to the platform... is it still worth it?

I'm beginning to think otherwise.

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  Damian Cieśla

  • January 21, 2026 15:22

  It is not worth it. There are other p2p investment platforms. 

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