PEER TO PEER LENDING Let your money work for you

3500.00 EUR loan financed by 133 investors Market
5000.00 EUR loan financed by 197 investors Market
2000.00 EUR loan financed by 90 investors Market
1450.57 EUR loan financed by 54 investors Market
700.00 EUR loan financed by 16 investors Market

Statistics and reports of "NEO Finance"

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7842

Number of investors

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37 383 244 €

Sum of granted loans

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8747

Issued loans count

Introducing P2P Lending platform NEO Finance

Loan proposals to select
consumer loan
consumer loan
10000.00 € 6072.31 € collected from 10000.00 €
50 months Maturity
22.00 % Interest
C Rating
other purpose loan
other purpose loan
8000.00 € 6972.21 € collected from 8000.00 €
60 months Maturity
18.00 % Interest
B Rating
consumer loan
consumer loan
10000.00 € 7965.03 € collected from 10000.00 €
36 months Maturity
11.00 % Interest
A Rating
Refinancing Loan
Refinancing Loan
8000.00 € 2147.92 € collected from 8000.00 €
60 months Maturity
18.00 % Interest
B Rating
Refinancing Loan
Refinancing Loan
12428.00 € 4128.72 € collected from 12428.00 €
60 months Maturity
13.00 % Interest
A Rating
Refinancing Loan
Refinancing Loan
2700.00 € 438.72 € collected from 2700.00 €
60 months Maturity
20.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
10131.19 € 2088.26 € collected from 10131.19 €
60 months Maturity
12.00 % Interest
A Rating
consumer loan
consumer loan
1800.00 € 1008.68 € collected from 1800.00 €
60 months Maturity
10.00 % Interest
A Rating
other purpose loan
other purpose loan
5000.00 € 955.59 € collected from 5000.00 €
60 months Maturity
11.00 % Interest
A Rating
Refinancing Loan
Refinancing Loan
3760.00 € 1504.40 € collected from 3760.00 €
48 months Maturity
21.00 % Interest
C Rating
auto-invest

or invest automatically

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Why to invest through NEO Finance?

What do we offer?

NEO Finance operational ground

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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Unlimited e-money institution licence (EMI)

Unlimited e-money institution licence (EMI)

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 12 percent

Average return rate of 12 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.

Built inhouse IT system

Built inhouse IT system

The Lending Platform is very similar in its functionality to a banking system with IBAN accounts, support of payment transactions, and similar functions. It was built and is being constantly developed in-house by highly experienced IT and banking professionals.

ensure-fond

Provision fund
Guaranteed return on investment

Invest in loans using a Provision fund service. In the case of delay, payments are covered from the accumulated Provision fund fees. Its annual fee is between 0.44% and 22.91%. The fee depends on the credit receiver's creditworthiness rating and maturity of the loan.
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