FinBee Review


Earn on average 18% interest per year.
Your investment is not secured.


  • Invest in unsecured consumer and business loans
  • Minimum investment from €5
  • Automate your investment with AutoLend
  • Higher average interest


Risk & Return3 stars
Usability4.5 stars
Liquidity4 stars
Support2.5 stars


Buyback GuaranteeNo
Auto InvestYes
Secondary MarketYes


Min. Investment€ 5
Loan Originators1
Loan Period12 - 60 months
Interest13% - 27%


  • Higher interest
  • Decent liquidity
  • Attractive for Lithuanian investors
  • No investment protection
  • Witholding tax on interest
  • Limited diversification

FinBee Review

FinBee is a popular Lithuanian peer-to-peer (P2P) lending platform that lists unsecured consumer and business loans with a loan term between one and five years. FinBee has user-friendly features such as the Auto Invest tool (AutoLend) and the secondary market. The average interest rate on FinBee is around 18% per year.

Keep reading our FinBee review to find out whether this is the platform for you.

finbee review

FinBee in Numbers

FinBee Statistics
Founded in:2015
Investor's earnings:+ €4.5 M
Total loan value:+ €28.2M
Amount of investors:+ 15,000
Loss of investors' money:0%
Average portfolio size:€2,100
Latest financial report-

FinBee Promo Code

Often, P2P lending platforms offer sign-up bonuses and referral codes for new investors, where they can receive up to 1% cashback bonus. As far as we’re aware, FinBee does not offer anything of this type. With a close eye on FinBee’s movements, we’re always checking for updates to the platform and we’ll make amendments to this review should FinBee offer any special incentives in the future.

FinBee’s New Users Requirements

If you wish to use FinBee, you must be over 18 years old, have a valid ID as well as a European bank account in your name.

In order to invest, you need to answer the Know-Your-Customer questionnaire, within which you’ll need to describe your financial situation, take a selfie and upload a copy of your ID. After your data has been verified, you will be able to transfer funds to FinBee.

All the information you share with FinBee is confidential. Your deposits on FinBee are stored at segregated bank accounts with the Citadele Bank and protected by the Lithuanian government protection scheme up to €100,000 per investor.

Risk and Return

When investing on FinBee, you are funding consumer and business loans originated directly by FinBee in Lithuania.

Unpaid Loans

The loans are not protected by any collateral. If the borrower fails to repay the loan, FinBee will help you with the debt collection. There is no buyback guarantee or any insurance of your investments on FinBee.

The only exception to this rule is with certain business loans that are secured by a personal guarantee of the business owner. Unfortunately, however, this isn’t the case with most business loans.

FinBee’s Risk Assessment

FinBee is taking care of the due diligence of their borrowers. The risk assessment isn’t outsourced as is the case with many other P2P lending platforms such as Kuatzal or Crowdestor. Furthermore, FinBee only offers loans for small and profitable companies (ltd. or lcc.) which operate for at least one year.

That being said, FinBee offers investment opportunities in business and consumer loans, with annual interest rates ranging from 13% to 27%. Do note, however, that those loans are not short-term, as is the case on platforms like Mintos, PeerBerry or Robocash.

While FinBee’s high average interest of 18% per year is very attractive, you should also bear in mind the higher risk that comes with investing on this platform.

Protection Scheme

Your investment on FinBee isn’t protected by a protection scheme, which means users should plan for delayed payments and default loans.

Two ways you can minimize risk is to:

  • Invest the minimum amount of €5 per loan
  • Invest in loans with better credit score ratings
We reached out to FinBee and requested information about the current default rate. Here how they responded:

According to Lithuanian law, the only way for a borrower to default on its obligations is to apply for a court for personal bankruptcy. This is a very rare case in Lithuania. We haven't had any single case of a personal bankrupt at FinBee. Therefore investors haven't lost any money as all defaulted loans are in the collection process.

Investors on FinBee also don’t need to pay any debt collection fees that would lower their returns.

FinBee’s Usability

FinBee is undoubtedly amongst the Baltics’s most user-friendly P2P lending platforms.

Greater Control

In order to invest on competitor platforms like Mintos, Bondora or Robocash, users need to use specific automated strategies to be as time-efficient as possible. Due to the lack of available loans, certain platforms often don’t give the user full control of their investments. Meaning, even though you define your investment parameters, you might often experience a temporary cash drag.

You’ll be pleased to hear that FinBee is different. As an investor on FinBee, you have greater control over your investments, and you can invest manually or use the AutoLend feature to automate your investments in consumer loans.

FinBee’s Loan Description

When writing our P2P reviews, we often struggle to find all the relevant information about loans. FinBee makes it very easy to gather this data. FinBee users can easily learn about the loan and borrower details as well as the borrower’s financial situation and bids by other investors.


Finally, FinBee gives desktop users a great experience, however, those hoping to use FinBee on mobile might be easily overwhelmed by the amount of data presented on your screen.


FinBee, as with many other platforms, allows you to automate your investment strategy. With FinBee’s AutoLend tool, you can choose between three pre-defined portfolio strategies based on your risk profile.

FinBee, as with many other platforms, allows you to automate your investment strategy. With FinBee’s AutoLend tool, you can choose between three pre-defined portfolio strategies based on your risk profile.

AutoLend only works with consumer loans. If you wish to invest in business loans, you need to do so manually.

finbee autolend


We couldn’t write a FinBee review without mentioning the platform’s liquidity. This is because, when investing money, you as an investor should be aware of how long it’s going to take you to withdraw your funds.

With FinBee, you have two options:

  • Wait until the end of the loan period (which can be up to 60 months!)
  • Sell your investments on the secondary market
There is also a third option, in which the borrower pays back the loan earlier as anticipated, however, this situation rarely occurs.

Secondary Market

FinBee’s secondary market is very easy to navigate. It looks almost exactly as the primary market, where you invest in loans manually. There is, however, a little more information, such as the current loan status and the discounted or premium price.

If you are interested in investing on the secondary market you can also use the advanced search and filter the data based on a variety of factors.

Sellers on the secondary market will need to pay a 1% fee to FinBee. Additionally, there is a high chance that you will need to sell the loan at a discounted price, which will naturally lower your returns.

finbee secondary market

FinBee’s Customer Support

As part of our FinBee review, we have contacted the customer support to test their responsiveness. It took 10 days and two emails to receive an answer, so don’t expect an answer within 24 hours.

As part of our FinBee review, we have contacted the customer support to test their responsiveness. It took 10 days and two emails to receive an answer, so don’t expect an answer within 24 hours.

FinBee and Taxes

Lithuanian residents that exceed an annual interest of more than €500 will be taxed differently to those outside the country.

FinBee will submit residents’ information to the State Tax Inspection of Lithuania and tax at a rate of 15% from their interest payments.

For residents outside of Lithuania, the platform deducts tax every time investors receive interest. If you’re living in a country that has a valid double taxation avoidance treaty with Lithuania, you can apply for the reduced personal income tax rate. Simply get in touch with FinBee to find more.

FinBee vs. Savy

Many investors are looking for a comparison between FinBee and the biggest Lithuanian competitor, Savy. After only making a quick comparison, these platforms seem to be very similar, however, there are some differences that you should be aware of.

Number of investors:+ 15,000+ 220,400
Minimum investment amount:€5€10
Protection scheme:NoneBuyback Guarantee (60 days + interest for some of the loans)
Average interest:18%11.83%
Useful tools:Auto InvestInvest and Access, Secondary Market (1% fee)

Protection Schemes

While FinBee doesn’t offer protection over your investment, Savy gives you the choice to invest with a buyback guarantee (also known as the insurance fund).

This means that when investing on Savy, you can choose to receive 10% fixed interest on your investment with the 90-day buyback guarantee, or you take the risk and hope that the borrower pays back the full amount.

Some of the loans on Savy are also secured by a first-rank mortgage which isn’t the case with FinBee loans

Easy of Use

Savy seems to offer very competitive conditions. There is, however, a lot about the platform that could be improved. Savy’s user interface is very outdated, which makes it pretty visually unappealing.

If you happen to be an international P2P investor, FinBee is fully translated in English while Savy’s English version of the website isn’t complete.

FinBee Review Summary

FinBee is an interesting alternative for Lithuanian investors that don’t want to invest on other Baltic P2P lending platforms.

Great Usability

The platform is easy to navigate and the investment process straightforward. With features like AutoLend and the secondary market, FinBee can easily compete with other popular lending platforms popular P2P lending platforms such as Bondora or Mintos.

Aimed at Lithuanian Market

FinBee is definitely aiming to dominate the Lithuanian market, however, at the moment there aren’t many reasons for investors outside of Lithuania to use the platform. While the average interest is an encouraging metric, investors should keep in mind that there is no buyback guarantee which makes it hard to predict future returns. Furthermore, FinBee is withholding taxes from your interests which lowers the net return.

If you are an investor based outside of Lithuania, the only reason you should consider investing on FinBee is to improve diversification and spread your investments across Lithuanian business and consumer loans originated directly by FinBee. With a minimum investment of only €5 per loan, FinBee makes it easy to diversify your portfolio even with a few hundred euros.

Ready to invest?


What’s the average interest on FinBee?

The average interest on FinBee is around 18% per year. Investors should be aware, however, that, because there is no buyback guarantee and returns are unpredictable, this sum varies with each investor.

How is my investment secured on FinBee?

There is no protection scheme in place on FinBee. Individual business loans might be protected by a personal guarantee, however, you shouldn’t expect to see any collateral or mortgages as investment securities.

Is there an Auto Invest tool on FinBee?

With FinBee’s AutoLend, you choose your preferences and automate your investment strategy.

What’s the minimum investment amount on FinBee?

You can start investing in loans from as small as €5, which makes it very easy to diversify your portfolio and minimize the risk.

Company Information
Company:FinBee UAB
Address:Šv. Ignoto 5, Vilnius, Lithuania
Phone:+370 (5) 219 9529
Live Chat:yes
Opening Hours:Weekdays from 8AM to 8PM
Social Media:Facebook, LinkedIn