Viventor review 2023

Check out our Viventor review, and see if the platform is for you.



  • Average return of 13.60%
  • Easy-to-use platform
  • Possible to try a demo account
  • Buyback guarantee on loans
  • Secondary market is available
  • Auto-invest is available


  • The company is not yet profitable
  • Facing problems with loan originators
  • Very bad ratings on Trustpilot
  • Problems with withdrawals

Viventor review summary: 

In its early years, Viventor seemed like a good and easy-to-use platform for beginners. The majority of loans came with security mechanisms, such as a buyback guarantee, payment guarantee, or collateral, which made your investments fairly secure. You could also use auto-invest to put your investments on autopilot. But during COVID-19, Viventor faced an increased number of difficulties, including the suspension of over 25% of the loan originators from the platform. The platform is not recommended. Check out alternatives like Lendermarket or Esketit instead.

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Introduction to our Viventor review

There are many Viventor reviews available on the web. Still, we decided to research the platform and give our opinion on it. The result of our efforts ended up in this review.

If you could be interested in investing with Viventor, we recommend that you read on. In this review, we take a closer look at what Viventor is, what return you can expect on the platform, whether Viventor is safe, who can use it, and much more.

As a friendly reminder, please keep in mind that this Viventor review is based on our opinion of the platform. Therefore, nothing you read on this site should be interpreted as investment advice.

Learn about the following in our Viventor review:

What is Viventor?

Viventor is a digital peer-to-peer lending platform that allows investors to carry out cross-border investments in financial products granted by non-bank financial institutions, which are commonly known as loan originators.

The Viventor platform is focused on various types of loans, which include consumer loans, business loans, invoice factoring, mortgage, and line of credit.

Viventor was created in 2015 in Riga, Latvia. The first transaction was made in 2016.

Viventor review

Since then, the crowdlending platform has continued to grow, and today you will find over 7,400 active investors on Viventor.

Later, in June 2020, the company became a Dutch-owned P2P loan investment platform, as it was acquired by Lotus 597 B.V., a Dutch Investment company. They obtained 100% of the SIA Viventor shares from the Prestamos Prima Group. Lotus 597 belongs to the Gielen Group from the Netherlands and is responsible for investing in promising FinTech start-ups and scale-ups.

If you want to sign up on the crowdlending platform, the capital requirement is fairly low. With as little as €10, you can join the other investors and start investing through the platform.

Viventor statistics:

Investors:7,400 +
Interest rate:6 – 14 %
Loan period:1 – 90 months
Loan type:Consumer
Loans funded:€ 142,000,000 +
Min. investment:€ 10
Max. investment:Unlimited

Viventor FAQ:

No investment is 100% safe. So even though Viventor protects your money with buyback guarantees, etc., you still risk losing your invested capital.

The average return on Viventor is over 10%. See the current average annual investment return here.

You must meet the following requirements to invest with Viventor:

  • Minimum age of 18
  • Active bank account

If you meet these requirements, you can sign up here.

Viventor Trustpilot ratings:

Some of the investors on the platform have shared their experiences and opinions about Viventor on Trustpilot. This has resulted in a bad Trustpilot rating.

Therefore, it might be worth it for investors to consider alternative platforms like Robocash and EstateGuru that have a better Trustpilot rating.

Main features

In the following part of our Viventor review, we will explain some of the main features on the platform, and why they are important for you as an investor.

1. Viventor lender ratings

In November 2020, the platform introduced Viventor lender ratings to the public. This means that all loan originators on the platform are assigned a credit risk rating. You can see an overview of the Viventor Credit Risk Ratings below:

Viventor credit risk ratings

The ratings are on a scale from “A+” to “D”, where A+ is representing the lowest risk and D the highest. This gives investors on the platform a better way of understanding the financial and operational stability of the loan originators on the platform, allowing you to make investment decisions according to your risk/reward preferences.

2. Viventor buyback and payment guarantee

Many of the loans on the platform are protected by the Viventor buyback and payment guarantee.

Buyback guarantee:

All loans on the platform come with a Viventor buyback guarantee. This means that the loan originator (lending company) will buy back loans in full with accrued interest if a borrower is over 30, 60, or 90 days late.

Payment guarantee:

The Viventor payment guarantee reduces the investors’ exposure to the borrowers’ late payments and default risk. Here, the loan originator (lending company) guarantees monthly payments on behalf of the borrower.

3. Viventor AutoInvest

A really neat thing you will find on Viventor is their AutoInvest feature. This function gives you the opportunity to invest in loans, without having to spend time cherry-picking loans on an ongoing basis.

Our advice: In our opinion, an investor’s time is better spent elsewhere than by selecting loans on a daily basis. Therefore, we recommend that you set up an AutoInvest strategy.

If you want to use AutoInvest, you can follow our guide below or check Viventor’s guide, which you can check out using the demo account on their website.

Create an AutoInvest portfolio:

When logged in to your account, click on “AutoInvest” in the navigation bar. Next, tap “Create a new AutoInvest portfolio”. Here you can create yourself an AutoInvest portfolio:

Create a new autoinvest portfolio on Viventor

If you choose to use the Viventor AutoInvest feature, you must first specify the amount of money you want to invest automatically. Next, the amount per loan and at what interest rate. You can also choose the duration of the loan.

Where Viventors AutoInvest differs slightly from its competitors is that you have the option of choosing a maximum LTV (Loan-To-Value). This applies to secured loans and shows how much debt there is in relation to the underlying collateral. As a rule of thumb; the higher LTV, the higher risk. However, below 50% is commonly considered a “safe” investment.

In addition, you can also choose which loan types, countries, and loan originators you are interested in investing in.

Last but not least, you can choose whether you only want to invest in loans with a Buyback Guarantee or Payment Guarantee.

Do you want to know more about Viventor AutoInvest? Then check out their website for more information. Here you can also experience AutoInvest firsthand with their demo account.

4. Test Viventor with a demo account

A unique feature of Viventor is the option to test the platform with a demo account before signing up. This makes it easier to find out whether or not you like the layout. You can test the platform by clicking the link below:

What rate of return can you expect?

The average return on Viventor is around 13.60%. Since this is what investors receive on average, you will probably get a similar return.

However, depending on your desired return, risk, and loan types, your return on the platform may vary to both lower or higher. For example, you can make auto-invest settings to only invest in loans with a specific range of return.

The average return you can get on Viventor is very much in line with what you can find on similar P2P platforms like Mintos, VIAINVEST, and TWINO.

Who can invest via Viventor?

In order to invest via the platform, you must be at least 18 years old and be able to provide your identification documents to Viventor. In addition, it is a requirement that you possess a bank account in the European Economic Area (EAA). If you do not have a bank account in the EAA, then they do offer help in the Getting Started section of the FAQ on their website.

However, investing with Viventor is not possible if you are from Afghanistan, American Samoa, Bahamas, Botswana, Ethiopia, Ghana, Guam, Iraq, The Democratic People’s Republic of Korea, Libya, Nigeria, Pakistan, Panama, Puerto Rico, Samoa, Saudi Arabia, Syria, Sri Lanka, Trinidad and Tobago, Tunisia or United States Virgin Islands.

If you are not from one of the above countries and you otherwise live up to the requirements, then it should be pretty straightforward to sign up as an investor with Viventor. Just follow this process:

  1. Create an account
  2. Provide your identification documents
  3. Make a minimum deposit of €10 to your account
  4. Start investing

As you can see, there are nearly no barriers to starting investing with Viventor.

Would you like to become a Viventor investor? Then press the button below and sign up. It’s probably the fastest way to go from reading this Viventor P2P review to investing yourself:

Is Viventor safe to use?

When you invest in loans through Viventor it’s not without any risk. So in this part of our Viventor review, we take a look at what the risks are, and what has been done to reduce them.

Loan default risk

On the Viventor marketplace, you can invest in different types of loans. The repayment of these loans is dependent on the borrower. If the borrower cannot repay, you risk a loan default.

To protect against the loan default risk, some of the loans at are secured in various ways.

One of these ways is the Viventor Buyback Guarantee, which ensures that you get your money even if a borrower does not repay. This is because the loan originator will then repurchase the loan from you.

Other secured loans are secured using underlying collateral. On Viventor’s platform, it is typically expressed in LTV (Loan-To-Value), which shows how large the loan is in relation to the underlying collateral. The lower the LTV, the safer the loan.

So in order to minimize the credit default risk, investing in secured loans can therefore be an advantage.

Loan originator risk

Loan originators carry a potential risk for investors if their company lacks in management, finance, etc. Therefore, Viventor always performs a complete risk assessment of any loan originator wanting to join its platform.

In their due diligence process of the loan originators, they perform a thorough check consisting of financial, legal, and other analyses. And even if the loan originator gets accepted by Viventor, the loan originator will continuously be evaluated on an ongoing basis.

Viventor is also transparent about its loan originators. You can read more about, and see financial reports about, the various loan originators on the platform’s website.

Skin in the game

Loan originators at Viventor are required to have at least 5% skin in the game. This means that if they have €1,000 in loans that they would like to have issued to investors, they must keep 5% themselves. This means that they can issue loans of €950 to investors while having a €50 stake in the loans themselves. So in case of loan default, the loan originator also stands to lose money.

In this way, it is ensured that there is no conflict of interest between the loan originators and investors. This practice is fairly common among similar P2P marketplaces.

What happens if a loan originator goes bankrupt?

In the event that a loan originator goes bankrupt, the investors at Viventor have a direct claim against the borrowers. However, here Viventor will step in and work with the liquidation administrator to ensure a fair and reasonable settlement of the investor’s outstanding investments.

What happens if Viventor goes out of business?

Since Viventor is not yet profitable, this naturally also leads to thoughts about what happens to the investments if Viventor goes bankrupt.

Here is Viventor’s emergency plan to assure investors that an appointed insolvency administrator takes over the settlement of all investments.

Moreover, Viventor has a collaboration with the certified auditor office Sandra Dzerele & Partneris, which are responsible for securing and providing all necessary data.

However, according to Viventor, they have a sufficient amount of funding until they become profitable.

What you can do to invest safely

Although Viventor has made some efforts to secure its investors, it is also important that you do something yourself. The following points are quite essential to avoid a single point of failure and to protect yourself as an investor:

  1. Invest in loans with a buyback guarantee or other collateral
  2. Diversify between loan originators
  3. Diversify between loan types
  4. Diversify between loans

In essence, it’s a great idea to invest in some of the many loans with a buyback guarantee. This means that if the borrower can’t repay the loan, the loan originator has to step in and buy back the loan themselves. Furthermore, you can secure yourself by making fractional investments in several loans from different geographical locations, and loan types, from many different loan originators.

It might sound like a lot to do all that, but the Viventor AutoInvest function makes this quite easy.

So, depending on how you use the platform, it’s relatively safe.

Can I get a Viventor promo code?

When you sign up at Viventor, there is a place where you can enter a “Promo Code”. However, we are not aware of any active Viventor promo code at the moment.

With that said, Viventor has previously offered a cashback bonus for shorter periods when signing up on the platform through affiliates. We will keep you updated if new referral bonuses arrive.

Best Viventor alternatives

Are you unsure if Viventor is the right platform for you, after reading this Viventor review?

There are hundreds of P2P platforms out there, which can make it hard to determine if you have found the best platform or if you should look for other Viventor alternatives.

The main categories for P2P platforms are consumer loans, real estate, and business loans.

Here are the best Viventor alternatives right now:


  • Investments in short-term consumer loans
  • Possible to use auto-invest for passive investing
  • Average annual return of around 11%


  • Investments in real estate projects with a high return
  • Your investments are protected by mortgages
  • Over 14% average annual return


  • Investments in business loans with high returns
  • Possible to use auto-invest for passive investing
  • Around 12% is the average annual return

There are many reasons why you should consider a Viventor alternative. 

First and foremost, you might not find that Viventor suits your investment needs. When it comes to P2P lending platforms, every P2P investor has different needs. It’s therefore crucial that you understand your main investment criteria and find a platform that matches.

It can also be a good idea to consider Viventor alternatives to simply diversify your investments across more than one platform and reduce your overall platform risk. This can also be done with different types of platforms like the ones you can see above.

Conclusion of our Viventor review

In its early years, Viventor seemed like a decent P2P lending platform, with great features such as a secondary market, auto-invest, demo account, etc.

But in recent times, it has become very evident that Viventor is struggling.

Since 2020, the platform has experienced problems with loan originators. And investors on Trustpilot are now reporting having difficulties withdrawing funds from their accounts. Viventor gives very little information on what is going on. This is a very bad signal, and it is probably best that you avoid this loan marketplace.

You should consider some of the best P2P lending platforms, instead of Viventor.

Would you like to invest via the platform after reading this Viventor review? Then just click on the button below. This will take you directly to Viventor’s site where you can sign up as an investor: