Despite technical problems in the past, investors have reliably received high interest rates here for years. My Viainvest experience has also been consistently positive.
After setting up an account with your email and a chosen password, you must provide your name, date of birth, address, and phone number. You are then prompted to activate two-factor authentication via an app on your phone, though this can be skipped during registration.
With a track record since 2016, Viainvest is one of the more established platforms in the P2P environment. Yet, Viainvest is somewhat flying under the radar of many investors, due to a rather passive communication and marketing approach. This makes Viainvest a calm and reliable investment, especially in good times.
If you don’t feel like selecting all the loans by hand, you can use the available auto-invest function.
Over the past decade, the Group has managed to build and establish a profitable business model in one of the most strictly regulated loan segments.
In the past, I have visited the Viainvest team in Riga several times and exchanged ideas with the platform’s key decision-makers. The first meeting took place in April 2019, while the last visit happened in June 2024.
I also checked who is on their team, and it was very easy to do as they are very transparent about it on their website.
In our latest review, we rate PeerBerry peerberry with an 7.5 out of 10, making it one of the platforms we regularly use. If you seek higher returns than savings offer, but do not favor the price fluctuations of stocks or options, then the relatively stable interest income from PeerBerry’s peer-to-peer loans is an attractive option.
Also, note that all the loans proposed on the platform are already pre-funded, meaning that you will never have money 'sitting' in a loan and then returned to you because not enough investors wanted to fund this particular loan, so that's pretty neat as well.
Notably, Nectaro also offers competitive interest rates of up to 15%. More details on this Viainvest alternative can be found in my Nectaro review.
Simple configuration with few parameters - select countries, interest rates, and loan terms to match your criteria
Due to the strong backing from the parent company, the bankruptcy of the P2P platform itself is unlikely. However, if the parent company were to go bankrupt, it would lead to a lengthy and years-long legal process.
Geographic diversification across multiple countries provides effective downside protection, with PeerBerry’s 15% country exposure limit proving to be a valuable safeguard.
I invested a larger sum of money on PeerBerry shortly before the war in Ukraine started. Needless to say, a large portion of my investments was delayed afterwards. But despite all of this, almost all of my investments were gradually payed back during the last two years, with only a few Euros waiting for repayment today.