Viventor p2p lending platform review

Published by Daniel on

(Last Updated On: March 6, 2019)

I’ve decided 3 months ago to try out Viventor. It seemed like a good idea, mostly to compare it to my other accounts on Latvian p2p lending platforms: Mintos, Twino, Grupeer, PeerBerry.

At a first glance, ignoring the yellow colour applied to everything, it just looks like a mini version of Mintos. The same primary and secondary markets, the same auto-invest, even some of the loan originators are the same.

The amount of loans available is decent, and currently, there are 1000 available loans on the primary market and around 4000 on the secondary market. So far, the 5000+ investors on the platform financed loans worth a bit over 60 million EUR.

The interest rates range from 6% to 15% and most of the loans come with a buyback guarantee or payment guaranteed policy. The payment guarantee is actually a better deal than Mintos offers, so an extra point added for Viventor.

Key features:

  • Loan types: Consumer Loans, Business Loans, Invoice Financing, Mortgage-backed Loans, Line of credit, Pawnbroking Loans
  • Loan terms: 1-60 months
  • Interest rates: 6-15%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: yes
  • Buyback guarantee: yes

Visit site

My portfolio:

  • Last update: March 2019
  • Started Investing: December 11th, 2018
  • Current value: 1007.29 EUR
  • Profit: 3.48 EUR
  • Average interest rate: 13.13%

I’ve added another 500 EUR last month on Viventor. The payments are coming regularly. Viventor keeps adding loan originators and the interest rates are getting better. Since last month I can see there are a series of 15% interest rate loans.

So, what is Viventor

Viventor launched their platform in 2015 and they offer consumer loans, business loans, invoice financing or loans secured by real-estate, issued by 3rd party loan originators across Europe.

All loans are in EUR currency, and the loan term ranges from 1 month to 5 years.

Can I start investing in Viventor

You need to have a bank account in the European Economic Area in order to register on the website and invest. The KYC process involves asking for a passport copy and a utility bill.

Adding funds

I’m using Revolut to transfer funds to Viventor. This is mainly because my local currency is not EUR and Revolut offers the best currency conversion rates on the market. Other payment platforms like Transferwise should work too.

How safe are my investments

As with any p2p lending platform, there’s a risk involved that your money will be lost.

Every p2p lending platform will tell you that. Are you prepared to lose all your money by investing on my website?

As if. Of course, I’m not really prepared, why would I invest 1000 EUR here to get only 10 EUR per month gain if I wanted to lose them? I just hope I’m smart enough and this won’t happen to me.

invest in Mintos

This being said, Viventor does offer some protective measures for its investors. See below.

Loan originator risk management

Viventor says it’s doing audits on all the lending companies it adds to the site, looking periodically at their financials. I just hope they’re doing a good job.

Buyback guarantee

Most of the loans on the platform come with a buyback guarantee. If the payments are late by more than 30, 60 or 90 days (depending on the loan originator), the loan originator will buy back the loan shares from the investors at the original price and it will also pay the interest owed.

Payment guarantee

Only a few loans come with a payment guarantee. This means that even if the loan defaults, the loan originator will pay the monthly instalments on behalf of the borrower. So, I’ll have a guaranteed income every month, regardless if the borrower is late with their payments. This is similar to the loans Twino offers, you can check out my review on Twino here.

Skin in the game

All loan originators are required to keep a stake of at least 5% of every loan they offer on the marketplace. This adds incentives to loan providers to do their due diligence when they issue loans.


This only applies to business and mortgage-backed loans. All of these need to provide collateral, and that’s usually some real-estate property. If the loan defaults, the real-estate property is used in order to recover the loan.

So how does the website look like

It’s yellow.

Some freakishly ugly mustard yellow I don’t know who decided it was a good idea to use.

On the good side though, the website has a nice demo account where you can try out all the features it has before you decide to join. It shows the primary and secondary markets, the auto-invest options, how the loans look like, and a few other things.

The primary market

viventor loans

The primary market interface is a lot simpler than the one from Mintos. There are only 9 filters you can choose from: interest rates, loan terms, loan-to-value ratio, country, loan originator, loan type, status, buyback/payment guarantee and include/exclude loans you already invested in.

The loan page contains a few more details about the loan and the borrower, along with how much the loan originator still has invested in.

viventor loan details

Nothing fancy, but there’s no need for much more details.

The secondary market

It looks similar to the primary market and has a bit more loans available here (~5000). There’s not much room for speculation on the secondary market though, it only lets you set a maximum of 1% premium on the loans you want to sell.

sell investment on viventor

Anyway, it’s still a good place to exit your investment earlier.


The same 9 filters are available for the auto-invest profile setup. I don’t know if the auto-invest tool will pick up the best loans available on the market or not, the website is only saying it will select the first loans it finds on the primary market.

viventor autoinvest


The more I use it, the more I like Viventor. My expected return rate is at 13%, which is really great. The payment guaranteed feature makes me not care if the loan payments are late. I’ll get paid for the late period as well.

These are the top 3 features I like:

  • Loan interest rates are good and they’re getting better by the month
  • Buyback guarantee also includes the interest payments
  • The user interface is a lot simpler to use than the one Mintos has

If you plan to test out Viventor, you could use my referral code EY1994 when registering and get a 10 EUR bonus on registration.


Learning and sharing what I learn about alternative investments.

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