Lonvest review 2025
In this Lonvest review, you will get an extensive breakdown of the P2P lending platform’s features, pros, and cons. You can see a summary just below or read our full analysis to help you decide if the Lonvest platform is the right fit for you.
Lonvest
Pros
Cons
Lonvest review summary:
Lonvest is one of the most promising new platforms of the year. The platform is focused on short-term loans and offers investors an impressive average return of 12.56%. Compared to other platforms this return is excellent. With a buyback guarantee and a group guarantee on loans, Lonvest also seems like a quite safe option. But keep in mind that this doesn’t mean that your investments are 100% safe. Of the downsides, it is clear that Lonvest is still a new platform as many features are yet to be implemented.
It’s 100% free to open an account
Introduction to our Lonvest review
Considering Lonvest for P2P lending? This Lonvest review covers its features, fees, and user experience to help you decide if it’s right for you. Please remember this is our opinion and not financial advice.
Learn about the following in our Lonvest review:
- What is Lonvest?
- What is the return on Lonvest?
- Is it safe to invest on Lonvest?
- Who can invest on Lonvest?
- How to invest on Lonvest?
- How to withdraw money from Lonvest?
- What are the best Lonvest alternatives?
- Conclusion of our Lonvest review
What is Lonvest?
Lonvest is a peer-to-peer lending platform headquartered in Zagreb, Croatia. It launched in 2023 and enables investors to earn interest on short-term consumer loans, offering advertised returns of up to 15%.
Lonvest works by allowing individuals to invest alongside other investors in short-term consumer loans. Loan originators first pre-fund the loans, and Lonvest then lists these loans on its platform. Investors earn interest as borrowers repay.
The platform has more than 600 investors who have collectively funded over €1,400,000 in loans.
Lonvest Platform d.o.o. is not regulated, as it is not required in the jurisdiction in which it operates.
Lonvest statistics:
| Launched: | 2023 |
| Investors: | 600 + |
| Interest rate: | 12 – 15 % |
| Loan period: | 1 – 12 months |
| Loan type: | Consumer |
| Loans funded: | € 1,400,000 + |
| Min. investment: | € 10 |
| Max. investment: | Unlimited |
Lonvest Trustpilot rating
Lonvest has received a TrustScore of 3.6/5 based on 7 reviews on Trustpilot. While several investors praise its straightforward account setup, quick withdrawals, and ongoing efforts to diversify loan offerings, others report issues with topping up accounts, a lack of available loans, and slow customer support. Despite these concerns, the platform’s transparent communication and consistent improvements continue to foster cautious optimism among many users.
What is the return on Lonvest?
Lonvest’s average annual investment return is 12.5%. This positions the platform in the mid-range compared to other P2P lending sites, some of which advertise returns as high as 15–16%. While higher returns can signal greater risk, Lonvest’s moderate rate may indicate a more balanced approach to risk and reward.
In practice, investors may see their effective yields decline on Lonvest if any portion of their capital stays idle for too long, a phenomenon commonly referred to as “cash drag.” This happens when available funds are not quickly matched to loans, potentially reducing the overall return.
The interest rates on Lonvest ranges from 11% to 13.5%. Though this bracket might be narrower than some higher-yield alternatives, it still offers a solid return for those seeking moderate risk.
Lonvest loyalty program:
The Lonvest loyalty program is designed to reward long-term investors who invest a minimum of €10,000 for 90 days.
- Sapphire: Get a 0.50% bonus on €10,000+ portfolios after 90 days.
- Emerald: Get a 0.75% bonus on €25,000+ portfolios after 90 days.
- Diamond: Get a 1.00% bonus on €50,000+ portfolios after 90 days.
Compared with other platforms, Lonvest and PeerBerry offer similar step-up approaches with very similar bonuses. Hive5 might be more appealing for investments lower than €25,000 as it offers similar benefits with an even lower entry point of €5,000. Swaper remains the most attractive program for large investments over €25,000 due to its superior 2% bonus.
Time-limited welcome bonus
Readers of this Lonvest review are eligible for a 1% cashback bonus on all investments for 90 days. To unlock this time-limited offer, new investors must sign up using the button below and invest at least €10. No Lonvest promo code is required.
Does Lonvest withhold taxes?
Lonvest does not withhold taxes from investors’ earnings, making it simpler to manage your tax obligations. This approach differs from some regulated competitors like Mintos, NEO Finance, VIAINVEST, and TWINO, which withhold a portion of your earnings for tax purposes.
Tax report
Lonvest provides an easily accessible tax report to help you declare your earnings to local authorities. You can download the income statement directly from your dashboard on the platform.
Is it safe to invest on Lonvest?
Lonvest is not considered one of the safest P2P lending platforms in Europe, mainly due to its lack of transparency about loan performance. Nevertheless, it seems to have operated reliably since 2023, with no reported capital losses for investors so far. All loans on the platform come with a buyback guarantee, which adds a layer of protection in case a borrower defaults.
Lonvest Platform d.o.o. is not regulated by any financial authority. While there is no indication that Lonvest is a scam, the lack of oversight means potential investors should carefully weigh the platform’s legitimacy and track record against the risks associated with unregulated investments.
Lonvest buyback guarantee
On Lonvest, all loans are covered by a 60-day buyback guarantee. This means that if a borrower is more than 60 days late with repayments, the loan originator automatically repurchases the loan from the investor along with accrued interest.
The Lonvest buyback guarantee has a duration of 60 days, which is the industry standard. This is longer compared to Robocash and Loanch, which offer the shortest buyback duration on the market at 30 days.
Investors should keep in mind that the reliability of the Lonvest buyback obligation depends on the financial stability of the loan originators. If the loan originators are unable to buy back the loans, the buyback guarantee becomes worthless.
Lonvest group guarantee
Lonvest offers a group guarantee for loans from Space Crew Finance. This guarantee is activated if a loan originator is unable to honor the buyback guarantee. In such cases, individual loan originators receive additional backing from the other loan originators to cover any liabilities, ensuring the protection of investors’ investments.
The reliability of the Lonvest group guarantee depends on the financial health of the companies within Space Crew Finance, which means that investors should continuously pay attention to the financial stability of these companies.
Loan originator risk
All loans on Lonvest come from lending companies owned by SpaceCrew Finance.
- ClickCredit (Poland)
- OnCredit (Vietnam & Sri Lanka)
The few loan originators on the platform can make it hard to achieve proper diversification and lower your loan originator risk. If this is a concern to you, it can be a good idea to also use other platforms together with Lonvest.
How solid is the company?
It’s unclear from the given information if Lonvest is currently profitable or how well it is performing financially. While it’s true that setting up a P2P platform can initially be costly, a prolonged lack of profitability could be risky for investors.
However, Lonvest is part of SpaceCrew Finance, which owns several lending companies. This involvement in diverse markets could suggest financial stability and expansion, which are positive indicators of a company’s longevity and growth potential.
Unfortunately, SpaceCrew Finance is only providing revenue numbers in their financial reports on their website.
Two-factor authentication
Lonvest offers two-factor authentication (2FA) to strengthen account security. This feature works with the Google Authenticator app, generating unique, time-based passcodes that protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.
Who can invest on Lonvest?
To invest via Lonvest as a private person, you must meet the following requirements:
- Be a least 18 years old
- Live in the EU
If you match the aforementioned qualifications, getting started with Lonvest is simple. Simply follow the steps below, and you should be up and running in no time:
- Sign up at https://lonvest.com/
- Add funds to your account
- Invest in loans with auto-invest
Available countries
Lonvest is available to investors in the European Economic Area (European Union, Iceland, Liechtenstein, and Norway).
If you are looking for other platforms that are available outside of Europe, you should check out Bondster or Lendermarket instead.
Do you meet the requirements to sign up as an investor at Lonvest? Then press the button below to get to their website. From here you can quickly create a free account and get started investing:
How to invest on Lonvest?
Before you can start investing on Lonvest, you must complete the following steps:
- Sign up on the Lonvest website.
- Verify your identity.
- Complete the KYC questionnaire.
- Deposit funds into your account.
The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.
You can deposit money into your Lonvest account using SEPA transfers. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).
Once you have funded your account, you can start investing in P2P loans on the platform. Lonvest allows you to invest manually by browsing available loans or automatically using an auto-invest strategy.
Lonvest auto-invest
Lonvest provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.
The auto-invest tool enables you to configure key parameters, including portfolio size, countries, and loan period. You can also automatically reinvest all returns.
Setting up a Lonvest auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.
How to withdraw money from Lonvest?
You can withdraw your uninvested funds from Lonvest at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €0.01 and it usually takes 1-2 business days for your funds to arrive in your bank account.
Lonvest does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.
To exit Lonvest, you must first turn off all auto-invest strategies and wait for any outstanding loans to mature. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.
No secondary market
Lonvest does not offer a secondary market, requiring investors to hold loans until they mature. Although this may be acceptable for short-term loans of around 30 days, it can pose substantial liquidity risks for those invested in longer-term loans.
The lack of a Lonvest secondary market is a significant disadvantage compared to platforms such as Esketit and TWINO, which do provide secondary markets to enhance liquidity.
What are the best Lonvest alternatives?
Some of the best alternatives to Lonvest are VIAINVEST, Iuvo Group and Robocash.
Conclusion of our Lonvest review
Lonvest is one of the best small P2P lending platforms in Europe for short-term consumer loans. The platform stands out for its combination of competitive interest rates, a group guarantee that covers loan originators, and an accessible user interface that simplifies investing.
While Lonvest features a buyback guarantee on all loans, strong returns, and a straightforward auto-invest tool, it is unregulated, lacks a secondary market, and offers limited diversification due to its exclusive partnership with SpaceCrew Finance.
Lonvest might be worth it for investors seeking double-digit returns and short-term loan opportunities that come with added security from group guarantees. It might not be a suitable choice for risk-averse investors who prefer regulated platforms and diversified loan originators. If you desire a more extensive track record and immediate liquidity, consider other established P2P lending platforms.
Do you want to sign up after reading this Lonvest review? Click the button below to visit the website where you can become an investor:
