Savy Review Summary
Savy is a regulated Lithuanian crowdlending platform operating since 2014. Unlike marketplace platforms that list external loan originators, Savy operates a pure P2P model where the platform itself is also the loan originator. Investors fund consumer and business loans issued directly by the company in Lithuania.
Savy does not offer a buyback obligation or group guarantee. Returns depend entirely on borrower repayments and the platform’s underwriting and collection process. This makes risk assessment and portfolio diversification especially important for investors.
Main takeaways from our Savy review:
- Advertised returns up to ~16%, realistic net return closer to ~10% after taxes and defaults
- Operating since 2014 — established track record
- Large single-originator loan book focused on Lithuania
- Public statistics and financial reports available
- Fully regulated by the Bank of Lithuania
Interested in trying Savy? New investors can receive a 1% bonus on investments during the first 90 days.
Pros
- Regulated EU platform
- Transparent reporting and public performance data
- Established operating history
- Direct exposure to Lithuanian consumer and business loans
- Low minimum investment
Cons
- No buyback or capital protection mechanism
- Returns depend fully on credit risk and recovery process
- Country concentration (Lithuania only)
