For readers of passives-einkommen-mit-p2p.de: 0.5% cashback on everything you invest in your first 90 days. How it works
In partnership with passives-einkommen-mit-p2p.de

Join Lars Wrobbel
and invest with Afranga

Lars Wrobbel has been investing in P2P lending since 2015 and writes about it at passives-einkommen-mit-p2p.de, followed by more than 100,000 people a month. Afranga is one of the platforms he invests on himself: an ECSP-licensed European crowdfunding provider paying fixed monthly interest on vetted business loans, from €10.

Start investing Read Lars's full review

Capital at risk. Not covered by any deposit guarantee scheme.

  • ECSP licensedFSC Bulgaria
  • No hidden feesFully transparent
  • Founded 20215 years of service
  • €43M+ investedBy 8,500+ investors
Lars Wrobbel, author of passives-einkommen-mit-p2p.de
Lars Wrobbel passives-einkommen-mit-p2p.de

Who is Lars Wrobbel?

“Of all the P2P interfaces I have seen, Afranga is among the best and simplest in the industry.”

Born in 1984, Lars Wrobbel trained as an IT specialist and worked as a consultant in the industry until mid-2019. He published his first book in 2014 and went on to write Investieren in P2P-Privatkredite, now available in several languages. He started investing in P2P lending in 2015 and founded passives-einkommen-mit-p2p.de in November of that year.

More than 100,000 people a month now follow his reports across the blog, podcast, newsletter and what he describes as the largest German-language P2P investor community. He was the originator of the first P2P Conference in 2019.

He invested on Afranga between 2021 and 2023, then returned after the 2025 relaunch. In his review, last updated on 3 November 2026, he reports a 13.37% return for his first year back and around €21,000 currently invested.

passives-einkommen-mit-p2p.deLars's reviews, portfolio and results

Why investors choose Afranga

A regulated platform, a single product family, and no fee surprises.

  • Licensed and supervised

    Afranga is a European Crowdfunding Service Provider, authorised by the Financial Supervision Commission of Bulgaria under Resolution 863/12.09.2023.

  • Fixed monthly income

    SaveSmart pays an average of 8–10% a year. On the Marketplace, hand-picked loans return up to 16% annually. Interest is credited monthly.

  • Start from €10

    No minimum portfolio, no tiers, and no charge to deposit, invest or withdraw. What you see is what you earn.

  • Documents, not slogans

    Every Marketplace loan carries a Key Investment Information Sheet, so you can read the terms and the borrower's profile before you commit.

  • €43M+

    Invested through the platform

  • 8,500+

    Investors across Europe

  • 2021

    Operating since

  • €10

    Minimum investment

Choose your investment path

Two ways to grow your money, each designed for a different investing style.

SaveSmart Hands-off investing

Just pick your term and rate

SaveSmart allocates your money across vetted loan opportunities and pays a fixed monthly return.

  • Built for simplicity
  • Early withdrawal feature
  • Average 8–10% annual returns
  • Start with as little as €10
Explore SaveSmart
Marketplace Active investing

Take control and choose your own investments

Browse a curated marketplace of business loans with full transparency on risk and returns.

  • Hand-pick individual investments
  • Key Investment Information Sheet (KIIS)
  • Returns up to 16% annually
  • Variety of vetted borrowers
Browse Marketplace

Lars's reader offer

0.5%cashback, first 90 days

How the cashback works

  • Register through this page

    Open your account using the button below so the offer is attached to it. It cannot be added afterwards.

  • Invest during your first 90 days

    Everything you put into SaveSmart or the Marketplace in that window counts towards the bonus.

  • Receive 0.5% back

    The cashback is paid into your Afranga account balance and is yours to withdraw or reinvest.

Register & claim the cashback

Offer available to new Afranga investors registering through this page. Subject to the platform terms. Capital at risk.

Getting started is straightforward

Three steps, no complicated paperwork.

  • Create your account

    Sign up and verify in minutes. All you need is a valid government-issued ID.

  • Deposit funds

    Transfer money into your personal account. Your funds are held with Lemonway, a licensed payment institution, separately from Afranga's own.

  • Invest and track

    Choose SaveSmart or pick loans yourself, then follow your interest month by month from the dashboard.

Investing carries risk. Lending money to businesses can result in the partial or total loss of your capital, and returns are not guaranteed. Afranga is not a bank: your money is not covered by any deposit guarantee scheme or investor compensation scheme. Past performance does not predict future results. Only invest an amount you can afford to lose, and read the Key Investment Information Sheet for each loan before you invest.

Start where Lars started

Join over 8,500 investors across Europe already earning with Afranga, from €10, with 0.5% cashback on your first 90 days.

Get started

Capital at risk. Already have an account? Log in