Viventor Review: My P2P Investing Returns with Peer-to-Peer Lending Viventor

Viventor Review My P2P Investing Returns with Peer-to-Peer Lending Viventor
My Review on Viventor P2P Platform
  • Invested in Viventor - €2 000
  • Self-reported returns - 14.76%
  • Passive earnings per month - €21
  • Investing time on Viventor - 12 months
4.9

My Viventor Overview:

Overall, our impression of Viventor was extremely positive. It has a huge number of incredible features, as well as an amazing user interface. It is adequately responsive to all the investors who have experienced as well as the ones who are first-timers.

Not only that, but there is also an immense loan diversification. You can choose from more than 5 different types of loans from many countries and 21 loan originators.

In case you want to use only a single P2P loan platform, Viventor makes an amazing deal. Of course, not everything is ideal with Viventor. For example, the buyback ranges between 60 and 90 days, which is too long.

Generally, Viventor offers an easy to use business interface, good returns, and more diversity. It is one of our significant choices for peer-to-peer investments and is similar to some other major platforms such as Mintos.

*enter code WF7136 during the registration on ViVentor Platform and you will get 1% of the total sum you have invested for 30 days period. After these 30 days, your account will be automatically credited with 1% of the amount which was invested.

Introduction to P2P Lending Platform Viventor

Before proceeding with my Viventor review, let’s explain to the beginners what Peer-to-Peer lending is. Also, check out our p2p cashback offers available for new investors.

What is Peer-to-Peer Investing?

Peer-to-peer lending, for short P2P lending, is a type of loan service, where a P2P business lends money to companies and individuals online and matches lenders with borrowers. The P2P services are often offered online as it is cheaper than the traditional financial institutions.

The result is that lenders earn higher returns compared to deposits and savings accounts, provided by banks. And at the same time, borrowers can borrow money at lower interest rates. 

Thanks to the development of the FinTech industry in the last 10 years, we are now able to earn interest rates on our cash higher than even. And we don’t even have to go to the local office to do so.

For the past 30 months, I have been actively investing in 18 platforms for P2P and Crowdlending platforms, and in this article, I will make a review on one of the most famous European Peer-to-Peer lending platform – Viventor. If you haven’t read my previous review on the Peerberry lending platform, go check it out.

Let’s do this FIRE-starters!

What is Viventor?

Viventor is a peer-to-peer platform for short and long term loans, and it is one of the most serious players (so far) on the Europen P2P market. However, it has some features that make it a unique option for people who are looking forward to investing their cash.

The platform is situated in Riga, Latvia, and is built in January 2016. There are around 5,600 investors registered on the platform, and they have contributed a sum of more than 81 million euros. 

Loan shares are recorded in Viventor, where the lowest investment is 10 Euro for each loan and annual returns of up to 16%.

2020 Update:

Viventor has now become a Dutch-owned peer to peer (P2P) loan investment platform which clearly exceeds the status of a start-up.

In June 2020, Lotus 597 B.V., a Dutch Investment company, part of the Gielen Group that also owns Atlantis Financiers NV, has obtained 100% of the SIA ViVentor shares from the Prestamos Prima Group, which had been invested in by international investor Oleg Boyko in 2016.

Lotus 597 belongs to the Gielen Group from the Netherlands and is responsible for investing in promising FinTech start-ups and scale-ups

Rates and Returns on Viventor’s Platform

Currently, Viventor offers the most notable rates in the European P2P platforms. Buyback Guarantee loans are capable of yielding up to 16%. 

This is quite remarkable, even in Mintos, which held the highest rate, has a rate of 15.1%!

What is Viventor

GET 1% BONUS. Code: WF7136

*enter code WF7136 during the registration on ViVentor Platform and you will get 1% of the total sum you have invested for 30 days period. After these 30 days, your account will be automatically credited with 1% of the amount which was invested.

Available Loans on Viventor

Most loans in Viventor’s platform are consumer loans. However, they also grant a line of credit, invoice financing, businesses, and mortgage loans as well. The investment extends from a few days to 5 years.

Loan Liquidity

In Viventor, you can buy loans in both primary and secondary markets. Lately (May 2019), there are about 3,000 loans in the primary market and approximately 7000 loans in the secondary market. 

However, it is essential to keep in mind that a part of the loans is quite huge, so in any case, it could contribute a considerable sum.

Buyback Guarantee

In addition to the interest accrued for the time you held the loan, the unpaid loans are paid after 60 to 90 days by the loan originator- this will depend on the person who owns the loan that comes with Buyback Guarantee has the tag below.

Payment Guarantee

Here the originator guarantees payments on behalf of the borrower. Payment guarantee is a pleasant feature that is offered to my Viventor since it can provide you with an increasingly reliable income and a progressively constant and smooth income stream. Loans with the Payment Guarantee accompany the label below. Almost all loans in Viventor has either Buyback or Payment Guarantee.

Auto-Invest Function on Viventor

Viventor has an auto-invest tool to be used by investors interested in the hand-free experience. Investors can configure this tool to choose loans that depend on personalized inclinations, for example, loan originator, country, interest rate, term, type, buyback guarantee, and the maximum LTV ratio. 

To ensure a diversification of the portfolio, you can also decide to invest the maximum amount in one loan. This tool reinvests the assets until it reaches the set limit.

The auto invest tool can be deleted, deactivated, and can also be used with manual investing, only in the primary market that you can have access to the auto-invest tool.

My strategy is to create an auto-invest portfolio for each originator, investing equal amounts of money so I can better manage future risk in case a loan originator defaults.

Viventor auto invest strategy

Manual Investing in Viventor

Manual investing is useful. The summary of accessible credits can be filtered duration, interest rate, buyback guarantee. 

A detailed preview about the loans are given: sometimes, I question if many investors read them, it is good to be exposed and aware of the data needed.

Secondary Market

Viventor offers the opportunity to sell and buy advances from different investors like you in a discount, premium, or with a standard value in contrast to the real value of the loan.

That gives you liquidity and a potential early exit in case you have to withdraw your assets for unknown reasons.

Risk

Because most of the loans in Viventor are accompanied by the Buyback or Payment Guarantee, the question is, will loan originator be able to satisfy their warranty in case of default? 

It is important to note here that there was no day the originator was unable to meet the buyback guarantee. For more information on the risks of peer-to-peer lending, see the article What is peer-to-peer lending.

Viventor Registration Process

The registration process is quite simple. You can click here and see the procedure as it is in the screenshots below. In the last step, you must verify your identity by delivering an image of your ID card, proof of address, and tax resident certificate.

How to register at Viventor

GET 1% BONUS. Code: WF7136

*enter code WF7136 during the registration on ViVentor Platform and you will get 1% of the total sum you have invested for 30 days period. After these 30 days, your account will be automatically credited with 1% of the amount which was invested.

Viventor Competitors

Viventor’s core competitors are P2P investment platforms such as Mintos, PeerBerry, Robocash, Lenndy, etc. One great platform with relatively lower-risk than the mentioned above is Bondora Go & Grow option.

Who Can Invest in Viventor?

The platform is available for both organizational and individual investors. Individual investors must, under all circumstances, be 18 years and above, have a bank account in the European Economic Area, and provide a copy of an identification document.

Viventor and Taxes

Viventor doesn’t rehearse retentions on the interest charged on the platform. Every one of the benefits is gross, with what we ought to pronounce and pay for our benefits in the Annual Income Tax Return.

Viventor’s Pros:

  • Between 12% and 16% interest rate;
  • Interest payments are included with the buyback guarantee;
  • Beautiful and easy to use user interface.

Viventor’s Cons:

  • Few short term loans;
  • No preview of active loans until account verification is done.

Which Are the Best Alternatives to Viventor

Some of the best alternative P2P platforms to Viventor, offering a similar return on investments are Robocash, Mintos, Lenndy, Dofinance.

Viventor Review Conclusion

Overall, our impression of Viventor was extremely positive. It has a huge number of incredible features, as well as an amazing user interface. It is adequately responsive to all the investors who have experienced as well as the ones who are first-timers.

Not only that, but there is also an immense loan diversification. You can choose from more than 5 different types of loans from many countries and 21 loan originators.

In case you want to use only a single P2P loan platform, Viventor makes an amazing deal. Of course, not everything is ideal with Viventor. For example, the buyback ranges between 60 and 90 days, which is too long.

Generally, Viventor offers an easy to use business interface, good returns, and more diversity. It is one of our significant choices for peer-to-peer investments and is similar to some other major platforms such as Mintos.

GET 1% BONUS. Code: WF7136

*enter code WF7136 during the registration on ViVentor Platform and you will get 1% of the total sum you have invested for 30 days period. After these 30 days, your account will be automatically credited with 1% of the amount which was invested.


Some links on this page may contain affiliate links, which means that I may earn a commission if you register through them. None of the posts on this blog have been sponsored. Opinions are mine.

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