DoFinance's offer

DoFinance review

DoFinance’s overview

DoFinance provides a rather innovative offer, perfect for those who want an extra-easy P2P investment with a reasonable performance. Interest rates range from 5% to 11%, depending on the investment duration and early withdrawal terms.

My opinion on DoFinance

DoFinance offers great returns for such a simple product. Although MintosInvest & Access is an obvious choice for easy investments, DoFinance’s guaranteed returns and high transparency make it an excellent complement to Mintos.

I only regret that their offer has become a bit confusing, with many strategies to choose from and different early exit conditions !

Detailed ratings

Actual performance

The interest rates are lower than what you can get from potentially more complex P2P platforms

Loans liquidity

That’s not a concern at DoFinance : just select your plan and never worry about availability again !


Who needs reporting when everything is crystal clear from day one ?

Transparency & reliability

The degree of transparency of the platform is rather impressive, and it seems financially solid.

Website ergonomics

The platform’s website is very easy to use.

DoFinance’s pros & cons


  • It’s extremely easy to invest via DoFinance : no more complicated auto-invest setup or manual loans selection !
  • 11% interest rate is great for a platform that doesn’t require any time managing your portfolio
  • I appreciate the high transparency of the platform


  • There are too many strategies to choose from
  • The different withdrawal conditions between the offers are confusing

Loans characteristics

Loans duration

Short-term : one month or less

Medium-term : one month to one year

Loans kinds


Minimal investment

€ 10

Buyback guarantee

Buyback guarantee available


EUR – Euro

Overview of DoFinance’s loans

Unfortunately, choosing between the available strategies isn’t really easy. For a given investment duration, there are now many options available; the difference between them list in the interest rate, repayment frequency and early exit option.

Using the first strategy Auto Invest 5%, investors can invest for seven days to one year. In case of early withdrawal, accrued interests are paid immediately.

For the Auto Invest 7% strategy, things become trickier. The investment duration is between 2 and 60 months; it’s possible to exit early, either within a 30 days delay (which results in 5% interest), or within 60 days (in which case the investor is paid 7%).

Finally, Auto Invest 9% and Auto Invest 11% are similar; the distinction is that the latter – which yields higher interest rates – invests in loans from Indonesia. They both allow to invest for durations ranging from 6 to 60 months; interest are repaid monthly. In case of easily withdrawal, there’s a 90 days delay where interests don’t get paid.

It’s a pity that the different conditions seem to complicate the investment process ! My advice would be to make sure you won’t need the money early, so you don’t have to bother with early withdrawal distinctions.

According to this article on p2phero’s blog, the interest rate is supposed to get increased to a very nice 14% if you invest more than 25000€ (ouch). However, I couldn’t find any reference to it in DoFinance’s FAQ.

DoFinance's offer
DoFinance's offer has become rather complex

Loan originators

Three loan originators provide the loans on DoFinance. As we’ll see below when reviewing the transparency aspect, they’re part of the same group as the platform.

DoFinance's loan originators and DoFinance itself are part of Alfa Finance
DoFinance's loan originators and DoFinance itself are part of Alfa Finance

In Poland, there are two originators : TaniKredyt and Opoqa Finance. The third originator (KreditCepat) issues loan in Indonesia.

There’s nearly no mention of the loan originators in the platform’s documentation or during the investment process. While this can seem suspicious at first, I suppose this was done in order not to confuse the prospective investor. Moreover, they’re mentioned on their parent company’s website‘s website, as well as on DoFinance’s blog.

Buyback guarantee

The loans come with a buyback guarantee, in a way that’s totally transparent for investors; they’ll always get the planned interest rate, no matter how many loans default.

Platform’s transparency and reliability

DoFinance is a subsidiary of the large Alfa Finance group. I appreciate that the platform’s website links to the LinkedIn profiles of the founders of DoFinance, as well as part of the team. The management seems to have an extensive experience in the financial sector.

DoFinance’s blog published an in-depth management report for January – June 2019; in addition to financial reports for the group as a whole, it provided a lot of details regarding the loan originators.

Finally, statistics regarding the volume of loans and number of borrowers are available on the platform’s website as well.

Overall, I’m rather impressed by the level of transparency; it incites me to recommend DoFinance over Ekassa, in spite of the more complicated offer.

Platform’s features

Early exit

Early exit available

Investing methods


Manual investing


There’s no secondary market; however, investors can still withdraw their money early. As noted above, early withdrawal conditions depend on the selected plan.

Manual investing at DoFinance

While it’s possible to invest manually at DoFinance, there’s not much point in doing so. Indeed, the platform’s main selling point is the simplicity of the investment process, so why do the hard work yourself ? Moreover, for investors who are ready to spend more time on the platform, many of DoFinance’s competitors actually offer better returns.


In order to invest automatically, investors simply have to choose the desired strategy, and input the investment’s amount and duration. That’s it ! The platform will display the expected investment value, a basic information that many platforms don’t provide.

Unlike other platforms that feature an auto-invest, DoFinance won’t automatically reinvest interests.

Website’s ease of use


English, German, Spanish, Latvian

Funding methods

DoFinance’s registration process

Registration is quick and easy. The website is well designed and won’t ask you for much information, so in a few minutes your account will be up and running.

Account funding and funds withdrawal

Website’s design and ergonomics

The combination of limited features and a well-thought interface makes DoFinance’s website very pleasant to use. But of course, as you won’t need to spend any time baby-sitting your investments, I bet you won’t visit their website often after selecting your investment plan !

Available languages & translations quality

The English version of the website is well translated.


Due to DoFinance’s very simplified investment offer, there’s no need for much reporting. The only interesting data are the accrued interest and the completion date of the investment !

DoFinance portfolio overview


There’s a rather complete FAQ (Frequently Asked Questions) available, as well as an overview of the investment process.


It’s possible to contact DoFinance via e-mail or live chat.

Communication from the platform​

DoFinance will send a weekly account overview; additionally, they also send a newsletter in order to announce new products.

Actual performance of my DoFinance portfolio


At the end of July 2020, the XIRR for my DoFinance portfolio was 10,62%.

As there’s no concern of default or loans availability, you get what you sign for. No more, no less !

Don't hesitate to read my most recent crowdlending portfolio review for detailed platforms performance comparison as well as historical performance.

Portfolio creation date

I created my DoFinance portfolio in August 2017.

DoFinance's main competitors

For a detailed comparison of the different p2p-lending platforms offering a very easy way to invest, check out this article.

DoFinance's facts & figures


Riga, Latvia

Founded in


Loans amount financed

€ 76,000,000

As of January 2020

Who can invest at DoFinance

You must be at least 18 years old, have a valid e-mail address, valid documents (passport or identification card) and bank account within the European Union, Switzerland or any other country of the EEZ, which is not included in the lists of high risk and non-cooperative jurisdictions or is not subject of international sanctions. For complete registration you will have to provide a national identification card (scanned or photographed both sides) or passport (scanned or photographed).

DoFinance FAQ


Please note that this review may contain affiliate links. It means that I will earn a commission if you decide to invest after clicking through the link – at no additional cost to you, of course -. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the commissions I make if you decide to invest through my links.

12 thoughts on “DoFinance review”

  1. Love the reviews of the different platforms. One thing I find really annoying as a UK investor is P2P companies who do not appear to accept Transferwise payments (or at least make no mention of the function) as it is very difficult in the UK to make payments abroad online – in my case I have to call my bank each time I wish to do this (and get charged for it).

    • Hi John,

      I’m glad you find the reviews helpful. I was actually wondering about the point of having alternative means of funding accounts; your comment just gave me one excellent reason to use them !

  2. I’m finding it very annoying 🙁 I would like to invest small amounts (let’s say £50) in a spread of P2P platforms just to get a feel of each before investing further, but to do this from a UK account involves calling the bank, paying a £20 fee plus their conversion fees.
    I emailed Peerberry to ask if they accept TW payments but the whole process is far more complicated than it should be. I would need to send Peerberry ‘additional documents’ or, if I have a borderless account, a screenshot showing my account details. Not sure why they can’t make it simple, Mintos works fine with TW.

  3. HELLO dofinance offers investments in Indonesia up to 12% with a one-year bond (guaranteed) or 11% in Indonesia with an 8-month limit (guaranteed). It looks great.

    • Thanks for pointing that out ! I actually noticed the new strategy 2 months ago but never took the time to look it up. Your comment motivated me to do so and update the review accordingly 🙂

      It’s too bad that there are so many available strategies; this is quite confusing for an offer that would otherwise be perfect for beginner investors ! However, for investors who are sure that they won’t need their money early, the new 11% strategy is an excellent choice.

      Have a great day !

  4. Hei Jerome,

    I’m a bit confused with the term of the investments. What is the average length you lend for? I cannot see what is more profitable:
    a) Investment in a 60 month credit
    b) Invest in a 6month credit. Reinvest the principal and the interests in a new 6month credit. Like this for 10 times
    (assuming all have the same %interest, lest say 11%)

    I’m open to see some math if you have the time.

    • Hi Joan,

      Hmm, actually this depends on how you think the interest rates may vary in the future. If you think they may increase, it’s better to invest for a short duration; then, if you’re right, after 6 months you can re-invest with higher rates.

      As a concrete example, when I started investing, DoFinance’s loans offered 12% interest rates. I invested for only 6 months, and after my initial 6 months period was over, their offer had changed and yielded only 9% when I re-invested. In this case, it would have been better to invest for much longer !

      Right now, the 11% rate seems rather competitive, and I doubt they can push it much further; however, things may change quickly in the P2P world, so who knows what the future can bring ? Just look at the outcry after Mintos lowered their interest rates last summer, and now they’re basically higher than ever !

      I hope this helps.


  5. I have been requesting a payout for almost 10 days, and the amount is not credited to me. They blame covid 19, but out of the ordinary, not only what is coming out, everything that is coming in, new payouts, or coatings work regularly. If the deposit function works regularly, I don’t see any reason for that there should only be problems with the withdrawal.
    I forgot, without any prior communication they removed the early exit function from a loan.


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