Crowd-lending portfolio review for July 2022

Website changes I managed to bring many reviews up-to-date; among them, , , or . What comes next is a total rewrite of several hopelessly outdated reviews, such as and . Noteworthy news from the crowdlending world Like last months, several pieces of news are related to compliance with new regulations. Indeed, both Mintos and … Read more

Esketit review August 2022 – Great risk/reward & large loans supply

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A screenshot of Esketit's primary market loans
Available loans at Esketit
A screenshot of Esketit's primary market loans

Esketit's overview was launched by the founders of Latvian lending group Creamfinance. This platform lists mostly short-term consumer loans with annual interest rates between 12% and 14%. They’re secured by a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a loan is delayed by … Read more

Afranga review October 2022 – Great interest rates and reliability, insufficient loans supply

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Afranga's loans list with zero loans available
Afranga's primary market is often empty
Afranga's loans list with zero loans available

Afranga's overview was founded by Bulgarian loan originator StikCredit. This peer-to-peer lending platform provides medium and long-term consumer loans which currently yield either 14% annually – a figure roughly similar to many competitors -. A buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a … Read more

Investing in loans : the complete guide

Investing in loans isn't as easy as it seems At first glance, investing in loans seems easy and safe. They indeed look like an investor’s dream made true, promising a low risk combined to high returns. Imagine… you invest € 1,000 for a year in a loan with 12% interest rate; after one year you … Read more

Moncera review July 2022 – Excellent reliability, low interest rates

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Summary of Moncera's available loans
Moncera's loans list
Summary of Moncera's available loans

Moncera's overview Moncera offers mostly medium and long-term consumer loans. As of July 2022, interest rates commonly vary from 6% to 11% – a level lower than for most competitors -. A buyback guarantee is provided by the loan originator. In addition, real-estate loans were introduced on the platform in March 2021. My opinion on … Read more

Lendermarket review July 2022 – Great returns, poor transparency and questionable reliability

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Typical loans listing at Lendermarket, showing 10 lines of short-term loans form Polant yielding 15% annually
Small sample of Lendermarket's available loans
Typical loans listing at Lendermarket, showing 10 lines of short-term loans form Polant yielding 15% annually

Lendermarket's overview Lendermarket allows to invest in consumer loans yielding from 12% to 15% annually; they’re secured by a buyback guarantee. My opinion on Lendermarket In a rather striking way, is the exact opposite of . While the latter belongs to Placet Group – one of the most reliable lending groups -, the former lists … Read more

PeerBerry review July 2022 – Widely trusted platform, slightly deceiving performance

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List of PeerBerry loans showing the loan originator, loan kind, interest rate, term and available amount.
Available loans list
List of PeerBerry loans showing the loan originator, loan kind, interest rate, term and available amount.

PeerBerry's overview PeerBerry allows to invest in a large array of loans, from short-term consumer loans to real-estate or business loans. Interest rates tend to fluctuate frequently, but commonly range from 10% to 13%. These loans are secured by a buyback guarantee. My opinion on PeerBerry If it weren’t for the slightly lower returns than … Read more

Default risk : what if the borrower doesn’t pay ?

The #1 risk when investing in loans A borrower who doesn’t reimburse the loans is obviously the greatest risk when investing in loans. Unfortunately, individual borrowers may be unable to reimburse their loans, real-estate projects may fail, and businesses may go bankrupt. Overall, all loans kinds are likely to default. In this article, we’ll examine … Read more

Robocash review August 2022 – Great returns and reliability, outdated interface

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A loans list with commercial loans from Singapore and installment loans from the Phillipines, as well as secondary market loans from Singapore
Robocash's loans list
A loans list with commercial loans from Singapore and installment loans from the Phillipines, as well as secondary market loans from Singapore

Robocash's overview allows investors to invest in very short-term (one month) consumer loans or in longer-term commercial loans. Interest rates range from 8% to 13% annually depending on the loan’s duration. All loans on the platform come with a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. … Read more

P2P lending platforms comparison – July 2022

Peer-to-peer loans : the most popular form of crowdlending When it comes to crowdlending, consumer loans are ubiquitous. Although other loans kinds became available in recent year, consumer loans are still the most common way to invest in loans – and are likely to remain so for a long time -. In 2019, marketplaces for … Read more