’! The minimum amount for an auto-investment is 50 euros, which is significantly more than if you invest manually. This makes diversification difficult, especially for smaller assets, as you can only invest in a limited number of loan packages.
During our 15-month testing period, we implemented three distinct investment strategies to compare performance and risk management:
To date, there have been no problems with lenders where outstanding receivables could not be serviced. As Viainvest operates in the PayDay loan market, which is one of the most restricted and regulated loan segments, this is a positive sign in terms of the platform’s risk management.
Viainvest is an above-average rated P2P lending platform among many investors. This is impressively illustrated by the results of the annual P2P community votings, where Viainvest is always in the top third of the most popular P2P platforms.
How does Viainvest work and what should investors know and consider when investing on the plaform? In the following sections of my Viainvest review you will find all the necessary information that you need.
Сразу через включения инструмента система сама будет искать подходящие под установленные параметры инвестиции как и вкладывать деньги.
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You can check out the lender overview and comparison page to learn more about the applied KPIs and their interpretation.
Viainvest is a classic P2P lending platform. Similar alternatives with a similar concept in this area would be the platforms Lendermarket and Esketit. These platforms also focus on P2P lending with larger corporate backing.
Each business day, approximately 1 million EUR in loans and projects are listed for investment. We understand that high demand has led to limited loan availability.
We are planning on opening a Secondary Market on PeerBerry so that should make long-term loans more appealing.
Nectaro only launched in 2023, but the Latvian P2P platform shares many similarities with Viainvest. These include its incorporation in Latvia, licensing as an investment brokerage firm, a focus on buyback-guaranteed consumer loans, and support from a large and well-diversified parent company in the background.
For our investment, we receive very high interest rates of up to 13 per cent with a standard term of 6 months for personal loans. In my experience, this period is a sweet spot for consumer loans, as longer and shorter terms each come with their own problems. The borrowers come from Sweden, Latvia, Poland, Romania, the Philippines, Vietnam and the Czech Republic. An average of 315 euros per loan is financed via Viainvest. All in all, the Latvian company mintos raises 9.6 million euros in loans per month!
I invested a larger sum of money on PeerBerry shortly before the war in Ukraine started. Needless to say, a large portion of my investments was delayed afterwards. But despite all of this, almost all of my investments were gradually payed back during the last two years, with only a few Euros waiting for repayment today.