Best Online Investment Platforms

Choosing a trustworthy investment platform isn’t easy. During our research we found over 100 investment platforms that accept investors from European countries. The ones listed below are the most transparent, innovative, having the best user experience and reviews online. These platforms allow individuals to finance loans and business projects of other companies or individuals (e.g., consumer loans, real estate projects, or business financing).

As an investor, you get interests which start from 6% and can be as high as 28% per annum. Of course, in most cases, the higher the interest rate, the higher the risk, so take a good look at a project before investing in it.

Best Rated P2P and Real Estate Platforms

1 Lenndy

Lenndy

Lenndy is a P2P (peer-to-peer) investment platform that was established in Lithuania in 2016 and later moved its activities to Latvia. This platform connects people who are looking for investment opportunities with people who need a ...
Deal Score+63
8.9
Lenndy
Lenndy is a great choice if you are looking for a P2P investment platform. The company offers a relatively high interest rate of 11-15%, and since you invest in short-term loans, the returns can be seen immediately. The platform provides an opportunity to invest small amounts (starting from 10 Euros) and divide them into several investments. Investors enjoy convenient website, easy registration, pleasant customer service. Although the company currently has a high reputation and fulfills all obligations, you should keep in mind that each investor takes the risk - deposits here do not have 100% protection against losses and are not insured or protected by state law.
Naudojimasis svetaine
9
Paslaugų kokybė
8
Klientų aptarnavimas
9
PROS:
  • Convenient website and registration;
  • You can invest from 10 Euros;
  • Automatic investment feature;
  • Interest rate up to 15%.
CONS:
  • If investors want to sell loans, there is an additional 5% fee for each transaction;
  • Here you can invest in short-term loans, so the platform will not be suitable for who seeks to invest for 12-36 months' period;
  • Although Lenndy's fulfillment of obligations is currently 100%, deposits here are not additionally insured or protected by state law.
2 Profitus

Profitus

Profitus is a real estate investment platform. It operates on both B2B and B2C principles, where people can invest in real estate, and business can borrow money for a planned project on looser terms than in a bank. The company gathers ...
Deal Score+35
8.8
Profitus
Profitus is a young, but very promising platform that allows quickly and conveniently invest in real estate projects, amounts starting from 100 Euros. This helps to invest even for people who have little interest in this field but want to employ their money safely. Using the website is convenient. Both registration and filling in applications are easy for investors and those who want to borrow. Since the company acts as an intermediary between the investor and the real estate developer, if Profitus ceases its operations, the property (mortgage) will remain with the investors by law.
Website
9
Service Quality
8
Customer Service
9
PROS:
  • Simple and convenient to use
  • Low risk
  • Good customer service
CONS:
  • The average annual interest rate is slightly lower than other similar platforms
3 Finbee Investments

Finbee Investments

Finbee is a Peer-to-Peer lending platform where people lend money to other people on the most favorable terms. The platform gives an opportunity to invest in both personal and business loans. The minimum investment amount is 5 Euros, you ...
Deal Score+79
8.7
Finbee review
FinBee is a convenient and suitable platform if you want to start investing and employing your money. The average annual income for investors here is up to 18%, and the minimum investment amount is only 5 Euros. However, you should keep in mind that not all investments are insured here, so it is important to weigh all the risks and analyze each individual or legal person who applies for a loan. If payments are late, FinBee handles debt recovery free of charge, but not all 100% of the debtors repay it. The company charges a 1% fee if you want to sell your loans on the secondary market. The platform is very convenient to use, registration is easy and responsive on smart devices. In summary, FinBee is worth trying because it has high interest rates. However, you should try to invest gradually and diversify your investments in order to keep risks at a minimum.
Website
9
Service Quality
9
Customer Service
8
PROS:
  • High, 18% average interest rate;
  • No additional fees;
  • Convenient website;
  • Free debt recovery.
CONS:
  • Investments are not insured
4 EstateGuru

EstateGuru

EstateGuru is a Tallinn-based real estate investment platform. It allows to invest the desired amount of money in real estate and gives businesses a possibility to borrow money for their development projects on simpler terms than in a ...
Deal Score+33
8.4
EstateGuru Review
EstateGuru is a rather safe and reliable way to invest in real estate. The average interest rates here are around 12% and the payback period can take up to 60 months, which means that this platform is suitable for people who are looking for long-term investments. The website is convenient to use, it has a very quick and simple registration process, and is well responsive on mobile. The company does not charge any additional fees and has an automatic investment feature that saves time. However, this feature is rather limited. Customers say that service is satisfactory, but there are some complaints about the speed of service or late payments. The platform has a particularly attractive loyalty program that encourages its members to bring friends into it as well. When a friend invests into a project, you can get a 0.5% bonus from the amount that he invested.
Website
8
Service Quality
9
Customer Service
8
PROS:
  • Solid average interest rates
  • Low risk
  • No additional fees
CONS:
  • Limited automatic investment possibilities
  • Payments that are sometimes late
5 PeerBerry

PeerBerry

PeerBerry is a peer-to-peer lending platform that was registered in Latvia in 2017 and now is operating in Lithuania. It is operated by the international Aventus Group agency, which has 9 loan companies throughout Central and Eastern ...
Deal Score+12
8.3
PeerBerry
PeerBerry is a convenient investment platform, which specializes in short-term loans. This means that the platform is suitable for beginners or those who want to invest and get returns quickly.  Loans here are quite small and because of that some people might feel their investments limited.  You can invest as little as 10 Euros, and the average interest rate is 10.04%. The PeerBerry platform is owned by the Aventus Group, which has several lending companies in Europe. The company not only provides a repayment guarantee if the borrower is 60 days late, but also has agreements with Aventus Group and Gofingo Group that guarantee that they will cover all of PeerBerry's financial obligations to investors in the event of insolvency.
Website
9
Service Quality
8
Customer Service
8
PROS:
  • Low risk
  • Repayment guarantee
  • Convenient website
CONS:
  • Low average interest rate
  • Short-term investments
  • Limited investment amounts
6 NEO Finance

NEO Finance

Neofinance.com is a peer-to-peer lending platform that was founded in 2015 in Lithuania and has its own branch in the Netherlands. It connects people who are looking for investment opportunities with people who need a loan. Consumer ...
Deal Score+24
7.8
NEO Finance
NEO Finance is a peer-to-peer lending platform where you can invest from 10 Euros and expect an average interest rate of 12%. The average loan taken by NEO Finance borrowers is 2,757 Euros, and the average loan duration is 50 months. The company is the only one in Lithuania that has an EMI license, which protects the invested assets and guarantees that they will be returned. NEO Finance activities are also regulated by the Bank of Lithuania. The company does not make empty promises of a 100% refund guarantee and provides all information about the terms on the website. Perhaps the biggest disadvantage for investors is that customers from countries other than Lithuania have additional fees and this may discourage them from choosing this platform. Customers also complain about an inconvenient system, unnecessary form filling and so on. NEO Finance can be a perfect choise for those who like to diversify investments across different platforms or for people who are residents of Lithuania.
Naudojimasis svetaine
8
Paslaugų kokybė
7
Klientų aptarnavimas
7
PROS:
  • The platform is licensed by EMI;
  • You can invest from 10 Euros;
  • Automatic investment feature;
  • Interest rates up to 12%.
CONS:
  • It is not always convenient to use the system
  • Additional fees for investors who are not from Lithuania
7 Crowdestor

Crowdestor

Crowdestor is a financing platform, founded in 2018 in Estonia and now is operating in Riga. It specializes in business investments. This platform allows you to invest in different businesses, projects, real estate, and startups. ...
Deal Score+10
7.7
Crowdestor
Crowdestor is a great platform for both beginners and advanced investors. Here you can invest in different types of businesses or projects, so everyone can choose the most attractive investment opportunity for them. On this platform you can invest from 50 Euros and earn an average interest rate of 17.06%. Although the company is regulated by the laws of an experienced financial regulatory agency and the Estonian government, there is no 100% money-back guarantee and every investor takes the risk. The inconvenience is that the platform does not have a popular automatic investment feature. Also, there are only about 5 new projects appearing in a month, so Crowdestor is not the best choice if you want to diversify your investments. Nevertheless, the registration process here is simple, you can find detailed descriptions of each project, and the platform does not charge investors any additional fees.
Websites
8
Service Quality
8
Customer Service
7
PROS:
  • No additional fees
  • Big interest rates
  • You can invest in different projects
CONS:
  • There is no automatic investment feature
  • There are few possibilities to diversify investments
  • The site lacks more detailed information

Updated – 01.08.2020

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Plačiau apie refinansuotojus

Refinansavimo privalumai

Refinansavimas, kaip ir minėjome pradžioje, yra pakartotinas skolinimasis, siekiant pakeisti kreditavimo sąlygas ir palengvinti skolos grąžinimo naštą. Toks žingsnis gali gerokai sumažinti Jūsų dabartiniams kreditoriams mokamas mėnesines įmokas ir, tokiu būdu, sutaupyti ir palengvinti savo finansinę padėtį. Refinansuodami turimas paskolas taip pat galite tikėtis:

  • Mažesnių palūkanų;
  • Pratęsto paskolos grąžinimo termino;
  • Kelių kreditų sujungimo į vieną. Šios paslaugos privalumas – sumažėję aptarnavimo kaštai, Jūsų laiko, skiriamo įmokoms mokėti bei piniginiams pervedimams skirtų lėšų taupymas. Jeigu jau esate antstolių stebėjimo lauke, refinansuodami sutaupysite ir jų teikiamų paslaugų atžvilgiu;
  • Pradelstų skolų įrašų panaikinimo iš skolininkų duomenų bazės;
  • Delspinigių skaičiavimo nutraukimo.

Taigi, refinansavimas iš ties turi gausybę privalumų. O, kai kurie kreditoriai teikia refinansavimo paslaugas ir bedarbiams ar studentams. Paskolų refinansavimas bedarbiams – galimybė išsivaduoti iš slegiančios finansinės naštos, staiga netekus darbo. Tiesa, greičiausiai, tokia refinansavimo forma bus suteikiama tiems klientams, kurių šeimoje bent vienas asmuo turi stabilias pajamas.

Ką turėtumėte žinoti apie greitųjų kreditų refinansavimą?

Refinansavimas – toks pat atsakingas žingsnis, kaip ir bet kuris kitas finansinis sprendimas. Į jį negalima žiūrėti pro pirštus, tikintis, kad refinansavę savo turimą kreditą ar kreditus, atsikratysite finansinės atsakomybės. Atsakomybė išlieka, tik sumažėja jos mastas. Refinansuodami turimas paskolas, padengsite kitose įstaigose turimas skolas, tačiau būsite susaistytas naujos paskolos sutartyje numatytais įsipareigojimais.

Tad refinansavimas gali būti ir nesuteiktas, jei kreditorius mato, kad į jį besikreipiantis klientas – akivaizdžiai nemokus. Todėl paskolų refinansavimas įsiskolinusiems asmenims naudingas tik tuo atveju, jeigu jie nevengia skolos grąžinimo. Joks kreditorius nerizikuos padengti nesąžiningo asmens skolą. Žinoma, sąžiningai ir atsakingai žvelgdami į refinansavimo procesą, vienareikšmiškai išlošite, nes Jūsų turima finansinė našta, dažnu atveju, ženkliai sumažės.

Kada reikalingas paskolų refinansavimas?

Daugeliu atvejų, šia paslauga naudojasi asmenys, prisiėmę finansinius įsipareigojimus net kelioms kredito įmonėms. Tokie žmonės jaučia ne tik juridinį, diktuojamą paskolos sutarties, bet ir psichologinį spaudimą. Nuolatiniai kreditorių skambučiai, antstolių laiškai ir didėjanti finansinė duobė gali ne juokais įtraukti ir iš jos išlipti bus sunku. Tokiu atveju, nereikėtų skubėti imti dar vienos paskolos, kur kas protingesnė išeitis – ieškoti kreditoriaus, siūlančio palankiausias refinansavimo sąlygas.

Išsamų jų aprašymą ir lentelę, kurioje pateikti kreditoriai, teikiantys refinansavimo paslaugas Lietuvoje, pateikėme straipsnio pradžioje. Tad, jeigu susidomėjote šia galimybe palengvinti savo finansinius įsipareigojimus, Jums belieka išsirinkti geriausiai Jūsų poreikius atitinkantį kreditorių. Jūsų turimų paskolų padengimas gali užtrukti vos valandą, o šio finansinio sprendimo naudą jausite dar ilgą laiką. Sumažės Jūsų kas mėnesį mokamų palūkanų norma, o refinansuojant sutaupytus pinigus galėsite skirti svarbioms asmeninėms reikmėms.

Paskolu Atsiliepimai LT is an independent online source comparing rates from multiple loan lenders, and is helping borrowers to find the best offers by providing unbiased information and reviews of credible loan lenders and payday loans online.

Disclaimer: All the information, ratings, and comparisons on our website is subjective opinion of the individuals who have analyzed it, or are/were customers of those companies. We may make recommendations, but we do not guarantee that you or other people who will use services of the reviewed companies in the future will have the same or similar experience when taking a loan.

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