Fast Invest review

Fast Invest review

Fast Invest’s overview

Fast Invest is a platform offering to invest in peer-to-peer loans up to one year, with interest rates between 9% and 15% for Euro loans. They come with a buyback guarantee that triggers after only 3 days, an incredibly short delay !

My opinion on Fast Invest

Fast Invest‘s website is extremely easy to use and offers interest rates above the competition, in addition to incredible buyback guarantee terms. While I was very cautious about Fast Invest at first, I enjoy this platform more and more as it continually improves. Indeed, I’m especially impressed by the last upgrade to their website, which is straightforward to use and provides a lot of documentation.

Detailed ratings

Interest rates

For guaranteed loans, the interest rates are very interesting.

Loans liquidity

There are many loans available, although the highest-yielding ones are scarce.


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

Buyback guarantee

The buyback guarantee triggers after only 3 days, a record for P2P lending sites !

Website ergonomics

The website is very easy to use and looks great.

Fast Invest’s pros & cons


  • Great interest rates
  • Very user-friendly platform
  • Incredibly short buyback guarantee delay


  • No detail is provided about loans originators

Loans characteristics

Loans duration

1 month to 1 year

Loans kind


Minimal investment


Buyback guarantee

Buyback guarantee available




Overview of Fast Invest’s loans

Fast Invest‘s loans are either in Euro or Polish Zloty. Euro loans yield between 15% for Spanish loans, to 9% for some Danish loans; many of them are in the middle of these two bounds with a 13.5% yearly interest rate. Currently, all loans have a duration shorter than one year.

As all these loans are covered by a buyback guarantee, the interest rates are really interesting compared to Fast Invest’s competitors !

With secured loans, I usually don’t bother much with checking the borrower’s details. However, investors interested in them have access to basic data.

Detail of one loan at Fast Invest

One recurrent criticism towards Fast Invest is that the company doesn’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, this is likely to change as the company is changing the contracts with the lenders in order to be able to disclose their identity.

Fast Invest’s buyback guarantee

Fast Invest‘s buyback guarantee is excellent : it triggers after only 3 days, while the delay is usually one month for most competitors !

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

Platform’s features

Early exit

Early exit available


Auto-invest available

Early exit

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

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

The rather large loans volume means that investors aren’t forced to use the auto-invest of they don’t wish to.

Fast Invest’s auto-invest feature

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

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

Website’s ease of use


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

Funding methods

Available languages & translation 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.

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 at Fast Invest

Account funding is done via SEPA transfer. Funds are usually available after 2 days.

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.


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

Fast Invest’s support

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 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.


Fast Invest‘s reporting screens are a bit too light to my taste. Indeed, they don’t provide much information, and don’t allow data export.

Actual performance of my Fast Invest portfolio


At the end of June, 2019, XIRR for my Fast Invest portfolio reached 11.76%; check out the latest portfolio review for details, including charts showing historical performance and competitors performance.

This figure doesn’t totally reflect the performance of the portfolio, as many loans yield interests at the start of the month; however, as time goes by, this effect should decrease and the XIRR should reach its theoretical value, above 13%.

Fast Invest’s main competitors

Compared to their main competitors, Fast Invest seems to be very interesting. Indeed, individual loans on other platforms with a buyback guarantee usually have interest rates around 12%. Only Omaraha‘s returns are better, but the buyback guarantee is only partial; moreover, Omaraha’s interface is truly hard to use.

Of course, at the same time, Fast Invest doesn’t have the same seniority as Mintos, so the risks are obviously higher; size your respective portfolios accordingly !

Fast Invest’s facts and figures


London, UK

Historical return


As of December 2018

Who can invest

Investors must be at least 18 years old, have a valid email address and a personal bank account in their name in the European Union.

For the identification purposes, you must provide a national identification card (scanned or photographed both sides) or a passport (scanned or photographed).

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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