One-third of investors allocated over €10,000 on P2P platforms in 2018

Recently, the European P2P investment platform Robo.cash conducted a survey among P2P investors. According to its results, the popularity of P2P investments is on the rise: 69% of the respondents started investing over the last two years, and 35% of investors allocated more than 10,000 on P2P lending platforms in 2018.  

Compared to a similar survey conducted by Robo.cash in 2017, the age group of P2P investors hasn’t changed significantly: the majority of them (52%) still belong to the generation of Millenials (23-38 years old). The typical P2P investor is well-educated: 37% of respondents hold a Master’s degree or higher, and 26% have a Bachelor’s degree. 9% of respondents mentioned that finance had been their major at the university.

The majority of respondents belong to the working category: 75% of them work full time or part time, and  13% run business. At the same time, only 3% of investors mentioned career as a life priority. This can be explained by the fact that job is not the only source of income for investors. Thus, 28% named P2P investments a major source of additional income. Also, 47% rely on income from investments to secure enough money for retirement.

As shown by the survey, the preferred type of investments is consumer loans (35%). Regarding the loan duration, 51% of respondents prefer short-term loans, as they ensure a high turnover of investments, whereas only 10% chose long-term loans. Along with consumer loans, the respondents mostly invest in shares (25%), real estate (20%), SMEs (9%) and bonds (9%).

The findings of the survey prove the growing popularity of P2P investments over the last years: 69% of respondents started investing 2 years ago or less, while only 11% have been investing for more than 5 years. Besides, the majority of investors (35%) allocated more than 10,000 on P2P platforms in 2018. On the whole, respondents showed a positive attitude towards P2P investments: 80% of them think about increasing the volume of investments on P2P platforms in the next few years.

The survey was launched by Robo.cash at the beginning of February and lasted for 3 weeks. In total, it involved over 350 people from 28 countries with different background and investing experience.


Robocash d.o.o (“Robocash”) is a company registered in the Republic of Croatia under registration No. 081224371, with legal address at Petračiceva 4, Zagreb, Croatia, 10110.

Robocash is not regulated under any financial services license. When you invest on Robocash, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.