ViaInvest review

ViaInvest review

ViaInvest’s overview

ViaInvest focuses on short-term, secured loans. The interest rates are slightly above 10%.

My opinion on ViaInvest

With the current returns, ViaInvest is not really competitive. For short-term investments in payday loans, both Swaper and Robocash are much better choices.

Detailed ratings

Interest rates

The current interest rate is extremely low… and tax withholding lowers it even more !

Loans liquidity

Deposited money is invested very quickly


Investments list, account statement and account overview are readable

Buyback guarantee

Standard buyback clause

Website ergonomics

ViaInvest’s website is easy to use

ViaInvest’s pros & cons


  • Website is user-friendly, even for beginner investors


  • Low interest rates

Loans characteristics

Loans duration

Less than 1 month

Loans kind


Minimal investment


Buyback guarantee

Buyback guarantee available



Available loans

As of October 2017, ViaInvest only offers loans from Poland with a 10% interest rate. Other countries were previously available (Spain, Czech Republic, Latvia) but aren’t currently listed among available loans. This is much lower than Robocash‘s or Swaper’s 12% interest rate !

ll loans are short-term, the longest one being less than 2 months.

In addition to this rather low rate, there’s some tax withholding taking place, eating between 15% and 23% of your profits (depending on the country – see the FAQ for details). You can apparently prevent it by providing a tax certificate, but getting them in France is a big headache so I didn’t bother.

Buyback guarantee

Like most P2P companies, ViaInvest will refund both accrued interest and principal after 30 days of default.There’s also one aspect I didn’t realize earlier. You have the opportunity to ask for a forced buyback if a loans gets extended more than 90 days. To do so, visit the detailed loan page and clock on the “Initialize buyback” button located on the right side. You usually won’t need to use this option unless you want to withdraw some cash.

ViaInvest’s loan details

Platform’s features

Secondary market

Secondary market available


Auto-invest available

Auto-invest feature

On the bright side, auto-invest is really easy to setup : choose the maximum investment per loan, the remaining loan term, minimal loan rate and you’re done !

ViaInvest’s auto-invest screen

It’s possible to invest manually but it’s not worth the trouble, as there’s no large difference between loans.

Website’s ease of use


English, German, Latvian

Funding methods

Website’s design and ergonomics

ViaInvest’s website is easy to use. As the loans interest are mostly uniform, you won’t spend much time setting up auto-invest ! One mildly annoying thing is the toggle buttons in the settings. It’s hard to tell if a “Yes” button means that the setting is on, or if it becomes “Yes” once clicked. A checkbox would be much clearer !


Actual performance of my ViaInvest portfolio

My net annual return shown by the website is 12.75%, which is nice. However I’m a bit puzzled about it as it doesn’t seem to include tax withholding. Moreover, it mostly reflect the performance of a portfolio with only 12% interest rate loans; new portfolios will probably have lower returns.

ViaInvest’s main competitors

ViaInvest’s facts and figures


Tallinn, Estonia

As of November 2018

Who can invest

Both private and legal entities are welcome to become investors at VIAINVEST. To begin private investments as an individual, you must be at least 18 years old, must complete the registration process and make the first deposit to your VIAINVEST investor account (VIAINVEST accepts payments only from banks within the European Union).  (…)Similar requirements also apply to the legal entities – to start investing, the legal entity must register to open the investor account and make the first deposit. Payments made by legal entities are also accepted if transferred from the bank operating within the European Union.
ViaInvest 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.

3 thoughts on “ViaInvest review”

  1. You seem to know a whole lot of this P2P funding thing and I have one question:

    Do you earn (into your web account) that 10-12% Interest Rate after the stated “Closing Date” of the project?

    I am asking this because I’m confused on the “anual 12%” and then the project says its only 30 days for the “loan term”…

    • Hi Iwan,

      Interests rates are nearly always computed yearly; this helps when we want to compare then. Otherwise, it would be harder to compare loans with different durations.

      However, most P2P loans interests are reimbursed monthly. If the loan term is 30 days, you’ll be reimbursed interests and capital after 30 days; if it’s longer, you’ll usually be reimbursed interests once per month, and the capital at the end of the term. This is the common situation for loans to individuals; if you invest in business or real-estate loans (like through CrowdEstate or BulkEstate) it may be different.

      I hope this answers your question. Don’t hesitate to get back in touch otherwise, or for additional info !

      Have a great day

  2. Having read this I believed it was very informative. I appreciate you finding the time and energy
    to put this informative article together. I once again find myself personally spending a
    lot of time both reading and commenting. But so what, it was still worthwhile!

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.