PEER TO PEER LENDING Let your money work for you

9104.39 EUR loan financed by 276 investors Market
3195.55 EUR loan financed by 140 investors Market
2000.00 EUR loan financed by 91 investors Market
1200.00 EUR loan financed by 56 investors Market
300.00 EUR loan financed by 14 investors Market

Statistics of "NEO Finance"

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5627

Number of investors

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24 851 505 €

Sum of granted loans

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6426

Issued loans count

Introducing P2P Lending platform NEO Finance

Loan proposals
Refinancing Loan
Refinancing Loan
4758.72 € 1972.99 € collected from 4758.72 €
60 months Maturity
19.00 % Interest
C Rating
consumer loan
consumer loan
9900.00 € 3418.04 € collected from 9900.00 €
60 months Maturity
24.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
6833.28 € 5505.91 € collected from 6833.28 €
60 months Maturity
24.00 % Interest
C Rating
Car loan
Car loan
5000.00 € 1562.54 € collected from 5000.00 €
60 months Maturity
21.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
5920.89 € 743.49 € collected from 5920.89 €
60 months Maturity
21.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
4907.82 € 1807.53 € collected from 4907.82 €
60 months Maturity
24.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
6500.00 € 1539.65 € collected from 6500.00 €
60 months Maturity
20.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
8450.00 € 3083.02 € collected from 8450.00 €
60 months Maturity
19.00 % Interest
B Rating
consumer loan
consumer loan
6200.00 € 1765.48 € collected from 6200.00 €
60 months Maturity
24.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
3730.09 € 1760.26 € collected from 3730.09 €
60 months Maturity
16.00 % Interest
B Rating
auto-invest

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Why invest through NEO Finance?

What do we offer?

Unlimited e-money institution licence

Unlimited e-money institution licence

The first and, so far, the only Lithuanian P2P platform operator to hold the unlimited EMI licence which allows operations in entire European Union. This ensures safety of clients’ money, as it is kept in an account separate from that of the company. In addition, the company is constantly supervised by the Bank of Lithuania.

Buyback and Provision fund services

Buyback and Provision fund services

When agreements with borrowers are terminated, investors can sell their investments for 50-80% of their face value to NEO Finance. Also, a unique service of Provision Fund allows investors to reduce their investment risk: if a loan defaults, NEO Finance guarantees to repay investors with all the company assets as collateral.

Average return rate of 14 percent

Average return rate of 14 percent

Historically, Lithuanian consumer loans had high interest rates, as the market was not regulated until 2016. However, even after the regulation was implemented, the interest rates remained high (16.8% for banking consumer loans, and 78.9% for other financial institutions’ loans in 2016). Therefore, risk / reward ratio is one of the highest in Europe.

Personal IBAN accounts free of charge

Personal IBAN accounts free of charge

Every user account is linked to a personal IBAN account, which is free of charge. Payments sent to other financial institutions are also free of charge for VIP investors. In addition, one can have multiple IBAN accounts under their name at NEO Finance, which enables them to test and employ different investment strategies.

Banking system built inhouse

Banking system built inhouse

The platform actually is a banking system. It has been built and is constantly developed inhouse by the highly experienced IT and banking professionals. This ensures safety and confidentiality, as well as timely reaction to clients’ needs. In 2016, NEO Finance was named Tech Company of the Year by Verslo zinios, the main Lithuanian business daily.

Close long-term partnership with debt collection and recovery company

Close long-term partnership with debt collection and recovery company

All debts are handled by a single firm, which has been a long-term partner of NEO Finance. The company has 8+ years of experience in delinquent loans recovery, which ensures speed and quality of the service: 65% of debts have been collected within two years.

NEO Finance operational ground

The activity of "NEO Finance" is supervised by the Bank of Lithuania. The company is included in the public list of the consumer credit providers and in the list of the payment initiation service providers that undertaken to adhere to the principles of good practice, it is also the first platform that is included in the public list of mutual lending platform operators. The company is operating on the basis of the electronic money institution licence granted by the Bank of Lithuania.

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ensure-fond

Provision fund
Guaranteed return on investment

Invest in a loan by using a provision fund. In case of delay the payments are covered from the accumulated provision fund fees. Its annual fee is between 0.81% and 15%. The fee depends on the rating and maturity.
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