envestio logo

envestio review and first experience

Blog, envestio

So far, with the exception of Estateguru, I had only buyback platforms on the monitoring page. Therefore I would like to report today about my first experiences with Envestio. With Envestio another P2P platform is added, which doesn’t offer a “classic” buyback, but attracts with significantly higher interest rates. According to the website, up to 22% interest per year is possible.

With the currently available credits two projects are actually listed with 22% p.a., which are however already funded. The other available credits are also not uninteresting with 17 – 21.50 % interest per year. On the homepage they currently advertise with an average interest rate of 19.45% p.a..

Before we take a closer look, let’s take a look at the basic data on investing with Envestio.

Estateguru cashback

p2p provider

Estateguru sent out a new cashback info. All investments made between 28.08. and 09.09. receive

+ 0.5% cashback bonus will be applied to all investments above €1000


+ 1.0% cashback bonus will be applied to all investments above €10,000

The bonus will be credited to investors’ accounts once the project gets funded.

 

New to estateguru? Use my link to receive an additional 0.5% on all investments made in the first 3 months.

viventor

p2p provider

viventor is a p2p lending platform from Latvia. It offers mortgage and personal unsecured loans from Spain and Sweden.

viventor belongs to Prestamos Prima from Spain but is run by Viventor SIA from Riga, Latvia.

Statistics

The shown statistics show the investable sum of loans available. p2p-monitor polls the plattform every minute and checks the first 100 loans available.

Loans who are put online and bought in between this intervalls are not seen by the monitor and therefore not in the graphs. If there are more than 100 loans available these are not evaluated by the p2p-monitor.

Availability of consumer loans

viventor offers short term consumer loans with interest rates ranging from 10.5% to 12% per year. They are usually put on the website at around 5 am (GMT+1). Auto invest portfolios seem to all run at around 7 am for the first time so manual investing is best done between 5 am and 6.30 am.

twino

p2p provider

twino is a latvian p2p lending platform. It offers consumer loans from Georgia, Latvia, Poland, Denmark, Russia and Spain.

twino, formerly known as Finabay, is a platform from Latvia. twino exists since 2009, the p2p platform is online as of 2015. twino offers buyback and non-buyback loans.

Statistics

The shown statistics show the investable sum of loans available. p2p-monitor polls the plattform every minute and checks the first 100 loans available.

Loans who are put online and bought in between this intervalls are not seen by the monitor and therefore not in the graphs. If there are more than 100 loans available these are not evaluated by the p2p-monitor.

Availability of consumer loans

twino offers durations from  few days up to 24 months. The interest rates range from 8% – 14% per year.

They are usually put online from 10 pm on. Auto invest portfolios are investing in fixed intervals therefore manual investing is best done right when loans are put on the platform. Especially the loans with the highest interest rates are quickly gone.

viainvest

p2p provider

viainvest is a p2p plattform from Latvia. It offers conusmer loans from Latvia, Spain and the Czech Republic.

The viainvest plattform was founded in 2016. It belongs to the VIA SMS Group, which was founded in 2008. Viainvest offers buyback loans only.

Statistics

The shown statistics show the investable sum of loans available. p2p-monitor polls the plattform every minute and checks the first 100 loans available.

Loans who are put online and bought in between this intervalls are not seen by the monitor and therefore not in the graphs. If there are more than 100 loans available these are not evaluated by the p2p-monitor.