VIAINVEST review 2025

Check out our VIAINVEST review, and decide if the platform is for you.

Introduction to our VIAINVEST review

We took a closer look at VIAINVEST.com. If you’re considering investing, read on for details about how it works, potential returns, and safety. Keep in mind this VIAINVEST review is based on our own experience and should not be considered investment advice.

Learn about the following in our VIAINVEST review:

• What is VIAINVEST?
• Is it safe to invest on VIAINVEST?
• What is the return on VIAINVEST?
• Who can invest on VIAINVEST?
• How to invest on VIAINVEST?
• How to withdraw money from VIAINVEST?
• What are the best VIAINVEST alternatives?
• Conclusion of our VIAINVEST review

What is VIAINVEST?

VIAINVEST is a Latvian peer-to-peer (P2P) lending platform founded in 2016. Operated by the VIA SMS Group and based in Riga, Latvia, it offers investors annual returns of up to 13% by allowing them to invest in asset-backed securities backed by loans from VIA SMS Group companies.

VIAINVEST works by connecting individual investors with pre-funded loans originated by VIA SMS Group and its subsidiaries. Investors purchase asset-backed securities that represent a pool of these loans, which may include short-term consumer loans, credit lines, and business loans.

The platform has over 42,000 registered investors and has facilitated funding of around €580 million worth of loans since its launch.

SIA Viainvest is regulated and holds an investment brokerage firm license with registration number 27-55/2023/2. It is supervised by the Central Bank of Latvia. This license covers the firm’s investment services as an investment brokerage company.

VIAINVEST statistics:

Launched:	2016
Investors:	42,000 +
Interest rate:	8 – 12 %
Loan period:	1 – 24 months
Loan type:	Consumer
Loans funded:	€ 580,000,000 +
Min. investment:	€ 50
Max. investment:	Unlimited

Is it safe to invest on VIAINVEST?

VIAINVEST is considered one of the safest P2P lending platforms in Europe. It has been operating reliably since 2016, with no capital loss reported for investors. Most loans on VIAINVEST are covered by a buyback guarantee, providing an extra layer of safety.

Licensed and regulated platform

SIA Viainvest holds an investment brokerage firm license and is regulated by the Central Bank of Latvia, which indicates that VIAINVEST is legit and not a scam. The platform is also owned by the profitable VIA SMS Group, which further supports its reliability.

Profitability

VIAINVEST is owned by VIA SMS Group, which is a profitable lending company.

Insolvency protection

VIAINVEST participates in the national investor compensation scheme of the Republic of Latvia, aligned with the EU Directive 97/9/EC. If the platform becomes insolvent and cannot provide investment services, retail investors are eligible for compensation covering 90% of any irreversible loss, up to a maximum of €20,000.

VIAINVEST is required to keep investor funds separate from its own account, which means that in the event of insolvency, investor funds are safeguarded and cannot be accessed by creditors to settle VIAINVEST’s debts.

VIAINVEST buyback guarantee

On VIAINVEST, most 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 VIAINVEST 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 VIAINVEST 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.

What is the return on VIAINVEST?

VIAINVEST’s average annual investment return is 11%. This places the platform on the moderate side compared to other P2P lending sites, some of which advertise returns of up to 15%. Given VIAINVEST’s returns are neither at the very high nor very low end of the spectrum, the implied risk profile tends to be more balanced.

The interest rates on VIAINVEST ranges from 10% to 13%, which provides a relatively stable bracket for potential earnings. VIAINVEST’s performance and moderate risk approach can appeal to investors seeking a consistent return without chasing the highest available rates from riskier platforms.

Cash drag does not appear pronounced on VIAINVEST, meaning idle funds are often minimized and effectively matched to loans without lengthy waiting times. This helps keep actual yields closer to the advertised figures.

Does VIAINVEST withhold taxes?

VIAINVEST is legally required to withhold taxes from interest income from loans on its platform. This can make handling your taxes more complex than on platforms such as PeerBerry, Robocash, or Esketit, which do not withhold taxes.

The standard withholding tax rate on VIAINVEST is 5% for EU/EEA tax residents and 25.5% for all others, including Latvian tax residents. Investors from Lithuania can reduce their tax rate to 0% by providing a valid tax residency certificate.

Tax report

VIAINVEST provides a tax report to help you declare your earnings to local authorities. You can download your income statement from your dashboard, ensuring you have all the necessary information for tax filing.

Who can invest on VIAINVEST?

Both individuals and companies can invest with VIAINVEST. However, the platform is currently only open to European and Swiss investors. To invest through VIAINVEST, you must meet the following requirements:

Requirements:

• Minimum age of 18
• Tax residency in Europe or Switzerland

If you meet these few requirements, you can probably start investing with VIAINVEST. Simply follow this process:

1. Create an account
2. Add funds to your account
3. Start investing

When you create your account, you must provide personal information including your passport number. Information is matched with information from the money transfer you make to VIAINVEST. Therefore, make sure to send money from your own bank account. If the information matches, your account is activated, and you can start investing.

Are you ready to become a VIAINVEST investor? Then press the button below to sign up. It’s probably the fastest way from reading this VIAINVEST review to investing yourself:

How to invest on VIAINVEST?

Before you can start investing on VIAINVEST, you must complete the following steps:

1. Sign up on the VIAINVEST website.
2. Verify your identity.
3. Complete the KYC questionnaire.
4. 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 VIAINVEST 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. VIAINVEST allows you to invest manually by browsing available loans or automatically using an auto-invest strategy.

VIAINVEST auto-invest

VIAINVEST 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, maximum investment per loan, interest rate, loan term, loan type, and loan originators. You can also automatically reinvest all returns.

Setting up a VIAINVEST 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 VIAINVEST?

You can withdraw your uninvested funds from VIAINVEST at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €50 and it usually takes 1-2 business days for your funds to arrive in your bank account.

VIAINVEST does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.

To exit VIAINVEST, 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

VIAINVEST does not have a secondary market, which means that investors must hold loans until they reach maturity. While this may not pose a problem for short-term loans with durations of 30 days, it can present a significant liquidity risk for investors with long-term loans of up to 2 years.

The lack of a VIAINVEST secondary market is a major drawback compared to other platforms like Mintos and TWINO, which offer secondary markets for enhanced liquidity.

What are the best VIAINVEST alternatives?

Some of the best alternatives to VIAINVEST are Mintos, TWINO and Swaper.

Conclusion of our VIAINVEST review

VIAINVEST is an excellent P2P lending platform due to its stable returns, user-friendly interface, and direct backing from the VIA SMS Group. The platform sets itself apart from competitors by being fully regulated under the Central Bank of Latvia, which adds a governmental layer of oversight and solidifies investor confidence.

While VIAINVEST offers a transparent buyback guarantee, a straightforward investment process, and consistent returns around 11%, the platform lacks a secondary market, has a sizable portion of non-performing loans, and no mobile app. Manual buybacks are only possible after holding a loan for at least 120 days, which limits exit flexibility.

VIAINVEST is worth considering for investors seeking moderate to high returns and who are comfortable taking on additional risk. The platform is suitable for those within Europe or Switzerland wanting a straightforward user experience and a regulated environment. It might not be a good investment for risk-averse individuals who require faster liquidity or a more diversified service with robust secondary market features.

Would you like to invest in the platform after reading this VIAINVEST review? Then simply click the button below. This will take you to VIAINVEST.com, where you can sign up and get started investing: