Viventor Review


Earn on average 13% interest per year.
Your investment is secured by a buyback guarantee.


  • Invest in loans from 7 Loan originators
  • 30, 60 and 90 day buyback
  • Earn up to 16% p.a.
  • Save time with the Auto Invest


Risk & Return3.5 stars
Usability4 stars
Liquidity4 stars
Support4 stars


Buyback GuaranteeYes
Auto InvestYes
Secondary MarketYes


Min. Investment€ 1
Loan Originators16
Loan Period1 - 85 months
Interest9% - 16%


  • Decent diversification
  • Functional Auto Invest
  • High returns
  • Mostly only secured by buyback
  • No instant withdrawals
  • Some LOs list their loans on Mintos

Viventor Review

Viventor is a Latvian peer-to-peer (P2P) lending platform that lists loans from ten loan originators in Spain, Bulgaria, and the Netherlands. The investment opportunities are typically secured with a buyback guarantee, insurance, collateral or a mortgage. Investors can earn up to an impressive 16% in returns annually when investing on Viventor. Keep reading this Viventor review to find out how.

viventor review

Viventor in Numbers

Before we have a closer look at our Viventor review, let’s quickly analyze the platform’s statistics.

Viventor Statistics
Founded in:2015
Investor's earnings:+ €1.5 M
Total loan value:+ €114 M
Amount of investors:+7,000
Loss of investors' money:-
Average portfolio size:€2,006
Latest financial reportFinancial report for 2018

In the last four years, Viventor managed to attract more than 7,000 investors. Those investors earned in total more than €1.5 M in interest.

Up until recently, none of these investors have ever lost any money on Viventor. But this all changed when one of the platform’s loan originators, Aforti Finance, went out of business, which may result in financial loss. Viventor is aiming to resolve this unpleasant situation the official, legal way.

Note that investors on Mintos have the same issue, as Aforti Finance also listed loans on Mintos.

Viventor Promo Code

Viventor doesn’t offer referral codes for new investors. We’ll be updating this Viventor review regularly, so check back to see if they do in the future.

In the meantime, you can use sign-up bonuses from platforms such as EstateGuru, Mintos or Envestio. Invest in those platforms and you can earn up to 1% of your average portfolio within a specified period.

Ready to invest on Viventor anyway?

Viventor’s New User Requirements

Viventor’s goal is to make alternative investment opportunities available across all investors in Europe. To register, you must be over 18 years old and have a European bank account. Viventor also accepts investors outside of the European Economic Area like Norway, Iceland or Liechtenstein.

To be able to complete your registration, you will need to answer a few questions, required by the “Know Your Customer (KYC)” policies. In the last step, you need to upload a copy of your ID with your home address or a copy of your passport together with a utility bill that has your home address on it.

As soon as you get verified by Viventor, you can deposit your funds and get started! You can use money transfer services such as TransferWise, PaySera, Skrill and Currencyfair; however, we recommend using the traditional SEPA payment as other services might charge you unnecessary fees.

Note, that Viventor only accepts euros, and, unlike Its competitors Robocash or PeerBerry, this P2P lending platform doesn’t exchange your money into euros for you. The best way to transfer euros to your Viventor account is by using the real exchange rate provided by banks such as Revolut or N26.

The minimum deposit on Viventor is only €50, and there are no limits on the minimum investment amount. Transferring funds to your investor account usually takes no more than two business days.

Risk and Return

As you undoubtedly know, the higher the yield the higher the risk. Being able to evaluate the risk of the investment and compare it to the potential return is a crucial skill every P2P investor should be aware of.

P2P lending companies often make it quite difficult for users to figure out the risk and protection of their investments. That’s why reviewing platforms and sharing our first-hand experiences with our readers is so important!

When investing on Viventor, you can choose to invest in loans with different securities. Many loan originators on Viventor offer a buyback guarantee. In case the payment from the borrower is delayed, your claim against the borrower will be repurchased by the loan originator in 30, 60 or 90 days.

Viventor also offers the possibility to invest in mortgage-backed loans with a max. LTV of 70% or business loans backed by collateral. As an investor, you also have the option to fund invoices from other companies, which are insured against loan default.

As you can see, Viventor aims to list different loan types with loan periods ranging from seven days to 60 months. Your investment is protected by a variety of assets which helps to lower your investment risk as well as improve your diversification.

Is Viventor Safe?

Your funds on Viventor are stored in segregated bank accounts, away from Viventor’s assets. Investments on Viventor are protected by a particular protection scheme that the platform's competitors - Bondora, Fellow Finance and FinBee - don't have. While there is a certain external risk that you cannot control, Viventor goes above and beyond to ensure your investments are kept safe.


Regardless of whether you’re a newbie or an experienced investor, navigating through Viventor is very intuitive. The P2P lending platform even has a demo account which helps users get familiar with its features before investing their money.

That’s what we call good usability.

Viventor allows you to invest in the primary market as well as on the secondary market. You can invest manually or automate your investments with the Auto Invest feature.

Auto Invest

Viventor’s Auto Invest feature allows you to define your investment strategy and automate your portfolio. You can determine the loan characteristics, your investment amount, interest rate, loan period, loan type, countries and securities.

While platforms such as EstateGuru limit certain features unless you invest a higher sum of money, Viventor allows you to use all of the Auto Invest options without any limits on the minimum investment amount.

viventor auto invest


Our Viventor review wouldn’t be complete without mentioning the liquidity of your portfolio. It’s really important to know the liquidity of your investments as you never know when you’re going to want to withdraw your money and invest elsewhere.

Viventor does not offer tools such as Mintos’s Auto Invest or Bondora’s Go and Grow where you can withdraw most of your investments immediately. Instead, the only way to withdraw money before the end of your investment period is to sell your claims on the secondary market, where you can put your investments up for sale for a discounted or premium price. For this to work, you’ll need to find buyers who are willing to take over your investments.

viventor secondary market

This can be tricky because if there are enough available loans on the primary market, there aren’t many incentives for the investors to trade on the secondary one. This usually means that, unless you offer an investment opportunity with a discounted price, you might have a hard time shifting your investments.

NB: The minimum withdrawal amount on Viventor is €10.

Customer Support

Viventor’s customer support is very responsive. When we requested additional information about Viventor’s past performance, the support team have got back to us within one business day. Note that, even more popular P2P lending platforms such as Bondora, FinBee or Fast Invest aren’t as fast as Viventor fast when responding to investors’ requests.

The easiest way to get in touch with Viventor is by using their live chat function on their website. Should you need to contact the team over the weekend, send an email to and the support team will get back to you next Monday.

Viventor vs. Mintos

Many readers like to compare Viventor to other popular P2P platforms as one to one comparisons often make choosing a primary P2P lending platform easier.

We've chosen to compare Viventor with Mintos because of the buyback of the similarities within the loan securities. Check out the table below to see what we found:

Number of investors:+ 7,000+ 220,400
Minimum investment amount:€1€10
Protection scheme:Buyback Guarantee (30, 60 and 90 days, mortgage, collateral, insurance)Buyback Guarantee (60 days + interest for some of the loans)
Average interest:13%11.83%
Useful tools:Auto InvestInvest and Access, Mintos Investment Strategies, Auto Invest
Countries you can invest in:1032
Number of loan originators1662

As you can see, there are plenty of differences between Viventor and Mintos.

Firstly, both Viventor and Mintos offer a buyback guarantee. When looking into buyback guarantees, make sure you check the terms and conditions regarding individual loan originators. This is important because some originators on Mintos don’t pay the accrued interest when the borrower is late with its payments.

Secondly, Mintos offers significantly broader diversification options when compared to Viventor.

Thirdly, there is a higher demand for loans on Mintos, which can often lead to the dreaded cash drag. And finally, Viventor’s investor base is much smaller, and the net returns are usually higher as compared to Mintos.

Mintos is more suitable for investors who are just starting out and want to have instant access to their investments. In case of a cash drag on Mintos, Viventor offers an attractive alternative to Mintos. Furthermore, Viventor also helps you to spread your platform risk.

Viventor Review Summary


Unlike other P2P lending platforms, Viventor is incredibly transparent with their figures, and this is something many investors appreciate. You can easily find the platform’s statistics as well as information about their loan originators and the risks connected to P2P investments.

Do Your Loan Originators Research

We suggest researching some of the loan originators to get an idea about their business operations. Doing your research will also help you to easily spot negative press around a loan company.

You’ll notice that some of Viventor’s loan originators are the same as those on Mintos (for example, Aforti Finance, GetBucks or Credissimo). Always have a look at what kind of loan originators are currently listing loans on Viventor. Investing in the same loans on various platforms won’t help your diversification.

A Premium P2P Investing Platform

Viventor is undoubtedly an excellent alternative to many other P2P lending platforms. There’s a reason for the platform’s popularity, and that’s down to its variety of loans that come with securities and high-interest rates . If you are looking for a trustworthy P2P platform, we suggest trying Viventor out.

Like the sound of Viventor?


How is my investment protected on Viventor?

Your investment on Viventor is secured by a buyback guarantee, insurance, collateral or mortgage based on the type of loan you are investing in.

Does Viventor offer a secondary market?

Yes, Viventor offers a secondary market which is free of charge. If you need to withdraw your money, you can use Viventor’s secondary market to sell your investments that haven’t yet reached full maturity.

Can I automate my investments on Viventor?

You can automate your investments on Viventor with the Auto Invest feature. Simply define your investment preferences and let the tool do the hard work for you!

What’s the minimum investment amount on Viventor?

There is no minimum investment amount; however, the minimum deposit amount on Viventor is €50. We suggest investing at least €10 per loan to achieve a reasonable diversification rate.

Company Information
Company:ViVentor LLC
Address:Audeju 14 - 3, Riga, 1050, Latvia
Phone:+370 (5) 208 0468
Live Chat:Yes
Opening Hours:Weekdays from 9AM to 7PM
Social Media:Facebook, Twitter, LinkedIn