Part of Fast Invest's loans list

Fast Invest review

Warning ! This platform is currently in my blacklist

After both Kuetzal and Envestio proved to be scams, I became much more cautious and decided to blacklist several platforms; Fast Invest is one of them. I will keep on updating this review, but don’t recommend investing them anymore.

More details regarding blacklisted platforms can be found on my article about the consequences of Kuetzal’s and Envestio’s downfall.

Fast Invest’s overview

Fast Invest is a platform offering to invest in peer-to-peer loans for up to one year, with interest rates ranging from 9% to 13% for Euro loans. They come with a buyback guarantee.

My opinion on Fast Invest

Although Fast Invest‘s very user-friendly interface and great performance make it a tempting choice to invest in P2P loans, there are just too many red flags for me to keep recommending it.

Detailed ratings

Actual performance

My actual performance is slightly better than what I get at most competitors.

Loans liquidity

There loans volume matches the demand, although there used to be more of them.


The provided statistics are rather basic, and data can’t be downloaded.

Transparency & reliability

Due to the lack of disclosure of loan originators and the many suspicions regarding the platform, it’s hard for me to trust it.

Website ergonomics

The website is very easy to use and looks great.

Fast Invest’s pros & cons


  • Great interest rates
  • Very user-friendly platform
  • Short buyback guarantee delay for many loans


  • No detail is provided about most loans originators
  • A lot of suspicion surrounds the platform

Loans characteristics

Loans duration

Medium-term : one month to one year

Loans kinds


Minimal investment

€ 1

Buyback guarantee

Buyback guarantee available


EUR – Euro

PLN – Polish Zloty

Overview of Fast Invest’s loans

Fast Invest‘s loans are either in Euro or Polish Zloty. Euro loans yield between 13% for Spanish loans, to 9% for some Danish loans; loans yielding higher interests may be sporadically available but they’re scarce.

Currently, all loans have a duration shorter than one year. They also all seem to reimburse interests according to a monthly schedule.

Part of Fast Invest's loans list
Part of Fast Invest's loans list

According to the FAQ, the minimal investment is € 1, but this only seems to hold when investing manually.

Loans volume

While the loan supply is currently large enough to meet the demand, it has noticeably decreased in recent months.

Loan originators

One recurrent criticism towards Fast Invest was that the company didn’t disclose the name of their loans originators; this lack of transparency is a bit concerning as most – if not all – competitors share such information. However, the situation is slowly improving.

Indeed, while the names of previous originators still aren’t available, the platform has disclosed the names of the most recently added originators. They’re the Russian Kviku, Danish eCommerce 2020 and Polish Capital Service.

Both Kviku and Capital Services are also present on Mintos and get decent rating : B and B- respectively from Mintos, and 57 and 53 out of 100 at Explore P2P. On the other hand, eCommerce 2020 is virtually unknown.

Buyback guarantee

Fast Invest‘s buyback guarantee used to be very short : it triggered after only 3 days, while the delay is usually one month for most competitors. However, for the loans from disclosed originators, this delay is increased : 7 days for eCommerce 2020, 15 days for Kviku, and as much as 60 days for Capital Service !

Please note that Fast Invest’s terminology is a bit confusing : what’s usually named Buyback guarantee is sometimes called Default guarantee, while Buyback guarantee refers to selling the loans back to the company.

Platform’s transparency and reliability

The least we can say is that a lot of controversy surrounds Fast Invest.

In terms of transparency, as we’ve seen, the lack of disclosure for past originators is a large negative point.

Also, although the team is introduced on the website, searching for the company on LinkedIn will mostly result in people working on the IT side. Very few people with an actual background in finance are to be found !

One more red flag is the large number of bank account changes – a common sign that the previous banks weren’t comfortable doing business with the platform -.

For readers who want to dig further, blogger Kristaps Mors produced a good summary of red flags regarding Fast Invest.

Finally, in an interview published by Explore P2P with the person behind controversial twitter account RPeerDuck, Fast Invest is accused of being a Ponzi scheme. And I can’t help but notice that both Envestio and Kuetzal were among the five platforms targeted in this interview.

Platform’s features

Early exit

Early exit available

Investing methods


Manual investing


There’s no secondary market; instead, it’s possible to sell the loan back to the platform (as mentioned previously, this is referred to by Fast Invest as Buyback guarantee). While there’s no associated fee, the drawback is that you’ll lose all interest earned for the loan !

Manual investing at Fast Invest

Like most competitors, Fast Invest offers the possibility to invest manually, which can be great for beginner investors. It’s rather easy to do so, using a limited set of filters :

  • country
  • currency
  • term
  • loan amount
  • interest rate

When investing in individual loans, I usually don’t bother much with checking the borrower’s details; indeed, these loans are usually rather uniform. However, investors interested in them have access to basic data.

When it’s available, the originator’s name is also displayed.

As with all peer-to-peer platforms, I strongly encourage investors to use auto-invest in order to save time.


The auto-invest screen is well designed and easy to use, although I find the non-linear scale for the interest rates a bit confusing.

Fast Invest's auto-invest screen
Fast Invest's updated auto-invest screen, displaying the new filter for buyback guarantee

This screen was updated in October 2019 in order to add the delay for the buyback guarantee (3, 7 or 15 days).

As mentioned above, when investing automatically, the minimal amount per loan is € 10.

It’s possible to create several auto-invest portfolios, although there’s not much use for it unless you want to invest in different currencies.

Website’s ease of use


French, English, German, Finnish, Polish, Italian, Spanish, Russian, Mandarin Chinese

Funding methods

Fast Invest’s registration process

Registering with Fast Invest is really quick and easy. The required amount of information is really minimal, and your account is ready to be funded very quickly.

There was however a small glitch when I created my account : the verification email sent by the platform never arrived, and I had to request it several times for it to reach me. This looks like a temporary bug, though, so it shouldn’t be a concern.

Account funding and funds withdrawal

Website’s design and ergonomics

In addition to the updated translations, the March 2019 update to the website has improved ergonomics even further. I used to have some reservations about the the lateral menu, but the new design is great – both on smartphone or computer -. Overall the website is very neatly designed, extremely readable and and pleasant to use.

One small glitch I noticed is that the interest rates displayed on the dashboard for latest transactions may be incorrect. Indeed, I invested in many loans with durations around 10 months, yielding 13%. However, at some point, the interest rate displayed for one of them was 9%. That’s because for new investors in these loans, the rate is decreased as the duration drops below 6 months; for existing investors, of course, the rate doesn’t change. This was really puzzling, and not very intuitive. The correct interest rate is displayed in “my investments” list, though.

Available languages & translations quality

The platform features a rather impressive array of translations, including Chinese Mandarin which I’ve never seen before.

The English version of Fast Invest‘s website is spotless. Translations to other languages were greatly improved by the website upgrade in March 2019. In spite of a few occasional quirks or forgotten translations, the French version is overall excellent.


Fast Invest‘s reporting screens are a bit too light to my taste. Indeed, they don’t provide much information and often can’t be customized. Moreover, it’s impossible to export data.


Fast Invest‘s website provides an impressive amount of documentation. In addition to an extensive FAQ, many steps are clearly detailed : for example, there’s a huge page dedicated to the KYC (Know Your Costumer) process.

The platform’s blog also makes for an interesting read, with articles going beyond P2P.


I got in touch with Fast Invest‘s support by e-mail regarding the weird behavior I noticed in the dashboard. I sent the e-mail during a week-end, and it was answered next Monday morning. The explanations were very detailed, and I was rather impressed by their efficiency. Grupeer‘s support could learn a thing or two from Fast Invest ! Should you need to get in touch with the support during business hours, there’s also a live chat available.

Communication from the platform​

Fast Invest is a rather quiet platform; apart from a monthly newsletter, investors mostly get notifications when a funds transfer reaches their account.

Actual performance of my Fast Invest portfolio


At the end of June 2020, the XIRR for my Fast Invest portfolio was 12,15%.

This figure doesn't totally reflect the performance of the portfolio; indeed, I compute its value for all platforms at the start of the month, which in Fast Invest's case happens too be shortly before the interests are reimbursed. However, as time goes by, this effect has decreased and the XIRR is getting closer to its theoretical value - around 13% -.

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 Fast Invest portfolio in December 2018.

Fast Invest's main competitors

For a detailed comparison of the different p2p-lending marketplaces, check out this article.

Fast Invest's facts & figures


London, UK

Founded in


Number of investors


As of August 2019

Who can invest at Fast Invest

To be eligible you need to be at least 18 years old, have a valid email address, mobile phone number and a bank account in your name opened in the European Union. Also, you need to be a national of supported countries.

(Countries list edited for brevity)

For client identification, you will have to provide a national identification card or a passport (scanned/photographed on both sides).

Fast Invest 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 “Fast Invest review”

  1. Hi
    You wrote, that Fastinvest location is in London. But it is not true, their office located in Lithuania, Jorgen from visited them some weeks ago. In London they have only post box

    • Hi Eduard,

      The company is officially registered in London (which seems like a weird choice, especially now that the Brexit seems really close). I’m of course aware that Jorgen visited them in Lithuania; however, the Lithuanian offices aren’t even listed on their website. It’s probably not a great choice as looks suspicious; if I were a company with a clouded reputation, I’d be careful to be 100% transparent on small things like this. But I’m just a blogger and not a CEO 🙂

      Have a great day,


  2. I think the 15% return is less. If y invest 1000€, y get 0 return the first month, so 150€ is actually 138. Also 15 is valid if y reinvest all, but ea reinvest takes 1 month before y get return, guess this is partly how they make money and can guarantee,,-?? Buyback. But this is kind of pyramide play,,, if everybody asks money back it s playtime

    • Hi Bart,

      Apart from the bad rap it got earlier, Fast Invest isn’t much different from its competitors; I don’t really understand how it can be called a pyramid play ! Moreover, the buyback guarantee is usually provided by the originators, not by the platform.

      However, I agree that the actual returns will be lower than the 15% interest rate; this is also the case with other platforms.

  3. What do you think about name change of the company from Big Credit Ltd to Fastinvest? What guarantee we have, that company will not just disappear?

    • I dn’t really have an opinion about name changes; I’m usually rather disdainful about marketing so I don’t care much about it.

      What do you mean by disappear ? If you mean get bankrupt, it’s possible but not very likely; until now, P2P lending platforms in the Baltic countries seem to perform much better than let’s say in France or UK. On the other hand, loan originators are much more at risk, as was proven by Mintos originator Eurocent. In this case, the situation is rather messy; it would actually be great if Mintos shared an update as there hasn’t been any for some time !

    • Right, I’ll update the article this week in order to reflect this change. Thanks for pointing this out ! Have a great day

      • the +13% is possible I saw last week, but only with auto-invest as those lones are gone within an hour…
        for me it’s difficult to choose to invest now with 13%, or wait on the auto invest for 15 or 16% (waiting is also losing interest…)
        I now setup some new cash with auto-invest 100euro max per loan to get the cash spread over the few high interest lones (more risk obviously)

    • (by the way, Mintos increased their interest rates so now they’re the ones with 15% interest rates…)

      • for now I use FastInvest, Crowdestor and Envestio
        my criteria are;
        -overall good reviews found on the internet
        -easy to use and modern interface (!)
        -high interest rates
        -and diversify on different types of loans for different purposes (personal loans/real estate/companies loans)

        the problem with Mintos for me is the interface
        too much bells and whistles and options… (for now as I am a beginner)
        but thanks for pointing out!

        • Depending on your portfolio’s size, you may start using Mintos by investing manually.

          Oh and by the way I apologize for not updating the review yet. We’re currently in China where internet is sometimes hell : wifi is not always available, buying a SIM card requires a Chinese ID in non-touristic places, and most VPNs don’t work anymore 🙁 As a result it’s a bit hard to keep up, but I hope to be able to do it soon as we’ll settle down in a touristic place !


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