ViaInvest P2P Lending Platform

[peterk]

ViaInvest is a peer-to-peer marketplace for private lenders to invest into loans originating from non-banking lenders – the VIA SMS Group and its daughter companies. So, all of the loans listed on the platform are issued my VIA SMS Group's companies and the group is also a profitable (2.8 million in profit in 2018 up from 1.3 million in 2017).  The platform provides rates of up to 11% and because of the fact that most of the loans are provided to repeat customers, the loan performance is excellent. Also, they just announced their refer-a-friend program and you are eligible to receive a 10€ sign-up bonus after investing at least 50€ after sign-up. You can read a more in-depth review and the terms of the offer on my blog: https://p2pincome.eu/viainvest-review/

[HonestFIRE]

Hi,

are they better than mintos?

[peterk]

In what regard? Rates are lower than Mintos but the loan performance is better and they have short term loans (Less than 30 days). It is a good alternative to Mintos and if you want to diversify it is a great option for you. Still, in my honest opinion, Mintos is a better platform overall. You can read my complete review here: https://p2pincome.eu/mintos-review/

[peterk]

ViaInvest sets one interest rate for all loan originators and they sent the following email.

ViaInvest has decided to make your investment choices easier and more profitable, thus we are excited to announce that all loans regardless of the country of loan origination published on the platform starting from 13.06.2019 will be listed with an 11% interest rate!



So, what does this mean for you?



2 times bigger loan portfolio available for investments with an 11% interest rate

Higher average interest rate on the platform

Easier portfolio diversification choices, as all loan origin countries has the same interest rate

Here’s how it looks like in comparison:



Old annual interest rate*   New annual interest rate**

Sweden   9%   11%

Spain   10%   11%

Latvia   11%   11%

Poland   11%   11%

Czechia   12%   11%


I know that 11% might not sound that appealing since you can get higher returns at other platforms but it has one of the best loan performances and all originators are from the same group, which is a very profitable and high-growth company. They also have a refer-a-friend program and you are eligible to receive a 10€ sign-up bonus after investing at least 50€ after sign-up. You can read my review of ViaInvest and find the ref link here: p2pincome.eu/viainvest-review/

[James Adams]

Thank you for the info, but I personally prefer real estate crowdfunding to peer-to-peer lending, because, in my opinion, it offers more room for diversification and bigger stability. I recently invested in a real estate marketplace, Realtybundles that even offers assets for investment in different countries, I chose Germany and France. Have you heard about this platform? And in general, what do you think about property crowdfunding? Am curious to know which model you prefer: peer to peer or CR.