Viventor review

Viventor review

Viventor’s overview

Viventor is a P2P marketplace offering loans with interest rates up to 15%, for durations between 1 month and 5 years. Most of them are secured by a buyback guarantee.

My opinion on Viventor

Viventor is an excellent choice for beginner and advanced investors alike. This P2P loans marketplace offers very high interest rates, and the website’s ergonomics is excellent.

Detailed ratings

Interest rates

Nowadays it’s rare to find individual loans yielding 15% !

Loans liquidity

There’s a large volume of loans available.


The numerous reporting features are both useful and visually appealing.

Buyback guarantee

Most originators offer a buyback guarantee with a 60 days delay, which is a bit long; it can even be as long as 90 days !

Website ergonomics

Overall, Viventor‘s website is well designed and easy to use.

Viventor’s pros & cons


  • Great interest rates
  • The website’s ergonomics are great


  • The delay for buyback guarantee isn’t the same between all originators

Loans characteristics

Interest rates

8% – 15%

Loans duration

Less than 1 month

1 month to 1 year

More than 1 year

Loans kind



Minimal investment


Buyback guarantee

Buyback guarantee available



Loans overview

Viventor features only Euro loans. Their interest rates range from 8% to 15%; durations vary greatly, from one month to 5 years.

An excerpt of Viventor's loans
An excerpt of Viventor’s loans

Most loans come with a buyback guarantee, but there are also unsecured loans. However, these don’t yield more, so there’s little point in investing in them.

Viventor’s loans originators

As P2P platforms improve their transparency, most of them now publish details about their loans originators[?]. Like Bondster and Mintos, Viventor‘s website provides useful information about them.

As I’m writing this review in June 2019, there are 20 originators available; this allows investors to get a very satisfying diversification.

For each of them, investors can learn about the details of the buyback guarantee, the skin in the game (which is the percent of the loan kept by the originator), and in many cases access financial statements.

Buyback guarantee

The buyback guarantee covers both principal and interests. It usually triggers after 60 days, but this delay is 90 days for several originators. Viventor‘s FAQ mentions a 30 days delay, but currently I couldn’t find an example of an originator with such a short delay.

One variation of the buyback guarantee is the payment guarantee; it guarantees that the interests and principal will be repaid in time. In terms of cash-flow, it’s slightly more convenient than the standard buyback guarantee.

As usual, loans covered by a buyback guarantee (or payment guarantee) are indicated by a shield icon.

Platform’s features

Secondary market

Secondary market available


Auto-invest available

Secondary market

Viventor features a secondary market that’s free of charge.

Manual investing

Manual investing is convenient. The available loans list can easily be filtered by common criteria such as duration, interest rate, presence of buyback guarantee…

Many details are provided about the loans; while I doubt that many investors actually read them (as they’re much more standard than speculative business or real-estate loans provided by Crowdestor, Envestio or Kuetzal), it’s always great to have access to a lot of data.

Detail of a loan at Viventor
Detail of a loan at Viventor

Viventor’s auto-invest feature

In spite of the large number of available criteria, the auto-invest is easy to configure.

A few aspects could be improved, though :

  • It’s not possible to filter by buyback delay
  • The design make it hard to verify if all possible entities (countries, originators) are selected
  • The screen doesn’t show how many loans match the current criteria
Viventor's auto-invest screen
Viventor’s auto-invest screen

While few investors will use this feature, it’s possible to configure multiple auto-invest.

Website’s ease of use



Funding methods

Available languages & translation quality

Viventor‘s website is only available in English; the English translation is excellent.

Viventor’s registration process

Although there’s a KYC (Know Your Costumer) check that requires to upload an identity document, an utility bill and a tax residence certificate, the registration is quickly processed. My tax residence certificate currently appears as invalid, but it doesn’t prevent me from investing.

Account funding

It’s only possible to add funds via a SEPA transfer. The funds are available in your Viventor account within 2 days, which is the standard delay.

Website’s design and ergonomics

The design of Viventor‘s website is simple but very readable; it’s also very easy to navigate.

Even on a mobile phone, browsing the site is a pleasure; the only real inconvenience is the lateral menu, which doesn’t automatically hide after selecting an item. Another slight improvement would be to improve the layout of the auto-invest list, which requires to scroll horizontally before you can edit your settings.


Viventor‘s reporting is rather impressive. The common features (account statement, investments list) are present and offer the opportunity to download data as an Excel file.

In addition, you can very easily visualize the diversification of your portfolio by country or loan originator, or check the overall interest rates. There’s even a cash-flow graph; unfortunately it only shows the next month, as the date range can’t be customized.


There’s a very detailed FAQ available, broken down by topic for easier reading. I also appreciate the already mentioned page about the loans originators !


Should you need to get in touch with the platform, there’s a chat box available in addition to the standard opportunity to send an e-mail.

I used the latter option to get in touch with Viventor‘s support as I stupidly made a typo in my middle name. They answered very quickly and immediately fixed my mistake. Overall it was a very satisfying experience !

Communication from the platform​

Investors may choose the frequency of the account summary : daily, weekly and/or monthly. Other than that, I didn’t receive any e-mail from the platform yet; investors thus shouldn’t fear that they’ll drown under unwanted e-mails.

Actual performance of my Viventor portfolio

My portfolio is too young for me to compute realistic returns. I’ll be able to do so in July.

Viventor’s main competitors

In term of ergonomics, Viventor is comparable to Fast Invest or Bondster; however, it offers higher interest rates.

The auto-invest feature at Mintos is often seen as too complicated by beginner investors. Viventor offers them the opportunity to earn comparable returns with ease.

Viventor’s facts and figures


Riga, Latvia

Founded in


Number of investors

5 701

Loans amount financed

€ 86 130 824

As of June 2019

Who can invest

Viventor is open to both: individuals and companies. To qualify as an investor, it is required to:

  • Possess a bank account in one of the countries of the European Economic Area (European Union, Norway, Iceland and Liechtenstein);
  • Be at least 18 years old;
  • Provide a copy of your identification documents to Viventor.
Viventor 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.

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