UPDATE 8 APRIL 2020: it seems that Grupeer might be a scam. I strongly advise against putting in any new money into this platform. More information can be found here. There is are preparations for a lawsuit. You can participate here.
I’ve never been a big fan of peer to peer lending as an investment tool, until I discovered platforms like Grupeer and Mintos. In the past, I’ve tried a little bit of crowdlending on Dutch platforms but I don’t like the low returns, with the only potential being downwards. Then on top of that, the loans are very illiquid, meaning I can’t access my money for several years.