Updated October 18, 2026 · BrokerCue Editorial Team
LANDE vs Plenti
LANDE
Plenti
Higher score in this comparison
LANDE vs Plenti: the differences
| Compare | LANDEReviewVisitVisit | PlentiReviewSee alternativesSee alternatives |
|---|---|---|
| Target return | 11.2%Higher | 8% |
| Minimum investment | €50 | A$10 |
| Secondary market | YesHas it | No |
| Regulators | Bank of Latvia | ASIC |
Same on both: Buyback guarantee (No).
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Key differences
- Plenti scores higher overall: 9.2 vs 9.1.
- Regulators: only LANDE offers Bank of Latvia.
- Regulators: only Plenti offers ASIC.
- Target return is higher at LANDE: 11.2% vs 8%.
- Secondary market: only LANDE.
Our verdict on each
LANDE
LANDE suits investors who want to fund companies directly and can leave their money in place until a loan matures. Entry sits at €50 per loan and the stated target return is 11.2%, while LANDE offers no buyback guarantee, so early access to cash rests on the secondary market.
Plenti
Plenti suits Australian investors who want a low entry point and a settled regulated platform rather than a headline rate. Its target return of 8% and minimum investment of AUD 10 make it a steady, no-frills choice in our p2p lending group.
Score breakdown
| Area | LANDE | Plenti |
|---|---|---|
| Cost | 9.0Investors pay €0 and the platform earns through borrower-side service fees, so no investor charge cuts into the stated return. | 9.8HigherEntry point is AUD 10, the lowest minimum investment in the 23 brands on our data. |
| Offer | 9.0HigherLoans run from €50, a secondary market lets investors sell loans earlier, and the stated target return is 11.2%. | 8.8Target return of 8% sits below 9.2% and 10% to 14%, and there is no buyback guarantee. |
| Trust | 9.2HigherSupervised by the Bank of Latvia, with money tied to loans that run to their end. | 8.9 |
The bill, worked out
1,000 for a year at the target return (not guaranteed)
LANDE
112
11.2% of 1,000
Plenti
80
8% of 1,000
LANDE comes out 32 higher in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 1, 2026.
Pick LANDE if, pick Plenti if
Pick LANDE if trust, target return, and secondary market matter most.
Pick Plenti if cost matter most.
Also worth a look
IUVO has target return at 5% to 15%, against 11.2% for LANDE and 8% for Plenti.
IUVO reviewHow they place
| Ranking | LANDE | Plenti |
|---|---|---|
| P2P lending platforms | 1 of 62 | 30 of 62 |
Every fact side by side
| Fact | LANDE | Plenti |
|---|---|---|
| Legal entity | Not confirmed | Plenti Pty Limited |
| Headquarters | Latvia | Australia |
| Founded | Not confirmed | 2014 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Brokers
| Fact | LANDE | Plenti |
|---|---|---|
| Minimum deposit | €50 | Not confirmed |
| Account fee | €0 | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners, Experienced | Not confirmed |
Where each stands against the rest
| Fact | LANDE | Plenti | Median |
|---|---|---|---|
| Target return | 11.2%below the median | 8%lowest quarter | 12% |
Median across 43 listed brokers.
Pros and cons
LANDE
Pros
- Investors pay €0, and LANDE takes its earning from borrower-side service fees rather than from what investors receive.
- Loans can be bought from €50, an entry point the platform presents as open to newcomers and experienced investors alike.
- A secondary market lets investors sell loans before they reach their end, rather than waiting out every term.
Cons
- Funds stay with a loan until it reaches its end and LANDE offers no buyback guarantee, so the stated 11.2% comes with a wait the reader cannot shorten.
- The 11.2% figure sits on money tied to individual companies, and LANDE's revenue comes from borrower-side service fees, so nothing in that structure cushions a business that pays late.
- The €50 entry point applies to each loan, so spreading money across borrowers takes repeated purchases rather than one outlay.
Plenti
Pros
- Minimum investment of AUD 10 keeps the entry point low, ranking 3 of 23 brands on our data
- Regulated by ASIC under Australian licence 449176, so the platform sits inside a named regulatory regime
- Support runs on email, phone and help centre, so help is available by phone as well as online
Cons
- There is no buyback guarantee, so defaulted loans stay on your balance sheet rather than being bought back
- No secondary market, so there is no way to sell a note early and exit ahead of the loan term
- Target return of 8% sits under 9.2% and well under 10% to 14%
Who each suits
LANDE
Who it suits
- Investors who want their money to reach companies directly instead of sitting on a deposit.
- Readers starting small, since loans can be bought from €50.
- Investors with a longer horizon who are comfortable waiting for a loan to reach its end.
Who should look elsewhere
- Anyone who needs their money on a fixed date: the cash stays with a loan until it reaches its end and LANDE offers no buyback guarantee.
- Readers who will not look at the company behind a single loan, because the money goes into individual businesses.
Plenti
Who it suits
- Australian investors who want a small, manageable first loan rather than a large first commitment
- Readers who put a named regulator ahead of a headline rate
- Investors planning to hold to loan maturity rather than needing an early exit
Who should look elsewhere
- Readers chasing the highest stated target return, where Nectaro's 10% to 14% and Mintos' 9.2% both read higher
- Anyone wanting a buyback guarantee or an early exit, since Plenti offers neither
- Investors who need a platform outside Australia, as AU and its ASIC registration are Australian
Country by country
| Country | LANDE | Plenti |
|---|---|---|
| Australia | No | Yes |
Questions about each
LANDE
What is the smallest amount I can put into a LANDE loan?+
Loans can be bought from €50. That figure applies to each loan, so spreading money across several companies takes repeated purchases. LANDE presents this entry point as the reason beginners and experienced investors can both take part.
Does LANDE charge investors anything?+
Investors pay €0. LANDE says investors carry no hidden fees, and that the platform earns through borrower-side service fees instead, which it says keeps investment terms transparent. A reader comparing platforms can therefore read the loan terms without stripping an investor charge out of them.
Plenti
Is Plenti regulated?+
Yes. Plenti lists ASIC as its regulator and holds Australian financial services licence 449176, so the platform operates inside a named Australian regulatory regime. That applies to the marketplace itself rather than to any guarantee on an individual loan.
What is the minimum amount I can invest with Plenti?+
The minimum investment is AUD 10, which places Plenti at 3 of the 23 brands we track on entry point. It is a low barrier, so the first loan is a small, manageable commitment rather than a large opening position.
Other options to compare
Related by the facts
LANDE
Plenti