Viventor Review

Earn on average 13.6% interest per year.
Your investment is secured by a buyback guarantee.

Tested platform
  • Invest in personal loans
  • Secured by a collateral and buyback
  • Earn up to 16% interest per annum
  • Save time with the Auto Invest
Risk & Return
Buyback GuaranteeYes
Auto InvestYes
Secondary MarketYes
Min. Investment€1
Loan Originators15
Loan TypeConsumer
Loan Period1-84 months
Interest6% - 16%
  • Broad diversification
  • Solid protection scheme
  • Exceptional support
  • Not a licensed platform
  • No instant withdrawals
  • T&C can be changed anytime
_Risk & Return
_Due Diligence

Viventor Overview

Viventor is a Latvian P2P marketplace where you can invest in consumer and business loans from European lending companies. You can expect to make 13.6% on average in interest per year.

Since 2015, more than 7,000 investors earned nearly €2M on Viventor. Depending on the loan type, your investment is secured by a collateral or buyback guarantee.

Keep reading our Viventor review to find out if it's the right P2P platform for you.

viventor review

⭐ Learn more about our rating criteria

Viventor News

Last update: 30/07/2020
  • 30/7/2020 - Viventor considers to re-collect the debt of problematic lending companies Twinero or Presto themselves.
  • 26/06/2020 - Viventor launches lender portfolio reports
  • 12/06/2020 - Viventor has a new owner - Lotus 597 B.V (Dutch investment holding)
  • 8/06/2020 - Twinero and Presto from Spain got suspended

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Viventor in Numbers

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

Viventor Statistics
Year founded:2015
Investor's earnings:+ €2 M
Total loan value:+ €16 M
Amount of investors:+7,900
Loss of investor's money:0%
Average portfolio size:€4,279
Latest financial report: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 has paused all promo codes and cashback bonuses for new investors as the company is cutting their marketing budget during the ongoing pandemic.

In case Viventor changes their bonus program , we will update our Viventor review and inform you about the terms and conditions of a possible cashback campaign.

Or explore other cashback bonuses!

Viventor’s New User Requirements

You can sign up and invest on Viventor if:

  1. You are over 18 years old
  2. You have a European bank account
  3. Complete the verification process

No EUR bank account? No problem

  • Open a free N26 bank account
  • Open a free TransferWise bank account

You can also use Skrill, PaySera or Currencyfair to make your transfer to Viventor. We suggest the SEPA transfer as this is the cheapest way to deposit your funds.

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!

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 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 two business days with the N26 bank account.

Ready to give it a go?

Risk and Return

You know that high yields equals higher risk right?

That's why you should always have a look at platform's protection scheme.

We feel you! It's not always straight forward.

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 backed by collateral or by the buyback guarantee.

What's the Buyback Guarantee?

If the borrower is late with its payments, the lending company will repurchase your investments in 30, 60 or 90 days - depending on the individual company.

Viventor also offers the possibility to invest in mortgage-backed loans with a max. LTV of 70% or business loans backed by collateral.

Viventor 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.

Too good to be true? Let's see..

Is Viventor Safe?

Before investing money on any P2P lending platform have a look at the behind the platform and read the terms and conditions.

No time for that? Ok, read the short version of it.

Who Runs the Company?

Viventor is run by the CEO Andrius Bolšaitis who joined the company in July 2019. Previously, Andrius worked in the SEB bank for 14 years. Before Andrius joined Viventor, the platform was run by Toms Niparts, who left the company to pursue other interests.

The core team consists of six employees. You can have a look at Viventor's About Us Page to get to know them.

Who is the Legal Owner of the Company?

Viventor used to operated by the Spanish loan originator Prestamos Prima, who owns several payday loan lenders in Spain.

In June 2020, the ViVentor platform was acquired by the Dutch holding Lotus 597 B.V who is part of the Gielen Group that also owns Atlantis Financiers NV, a lending company that lists its loans on ViVentor.

Viventor is currently applying for a Financial Brokerage License in Latvia which should make the platform's business practices more transparent.

At the moment, Viventor is regulated by legislative acts of The Republic of Latvia. After the platform receives a Financial Brokerage License in Latvia, it will be regulated by the Financial and Capital Market Commission (FCMC).

Viventor’s headquarters are currently based in Vilnius (Naugarduko str. 23). The platform also has one office in Riga.

Are There Any Suspicious Terms and Conditions?

Here is a short summary of what we found out:

Clause 3.9.4 - Deposit Amounts

If you invest more than 25% of your declared income, or transfer more than €10,000 within 24 hours, you can be flagged for money laundering.

This is something we haven’t seen in any other terms and conditions from other popular P2P lending platforms.

viventor  terms34

It’s good to see that Viventor follows strict anti-money laundering procedures.

In some cases, Viventor might ask their users to prove the source of income.

Clause 3.10 - Storage of Funds

Clause 3.10 states that when users transfer funds to their investor account, this money is stored in separated bank accounts. If the platform should go out of business, a liquidation agent will distribute the uninvested capital back to the investors.

viventor  terms310

Having your money stored in separated bank accounts is standard procedure; most other P2P lending platforms follow this model.

While this feature isn’t particularly unique, we like the fact that Viventor effectively communicates this with their users in their terms and conditions.

Clause 3.17 - Withdrawals

Viventor claims that it does not take more than two business days to withdraw money from investor’s investment accounts.

viventor  terms317

It’s worth mentioning that not all P2P lending platforms are as fast when it comes to processing withdrawal requests, a key differentiator for Viventor.

Clause 6.7 - Funds in Transit

As soon as the platform receives the loan repayments from the lender, it can take up to three days until users see this money on their investor’s dashboard.

viventor  terms67

We like the fact that Viventor mentions this in their terms and conditions as most other P2P lending platforms are not this transparent.

Clause 6.11 - Liability

P2P investments are risky and no platform is liable for the loss of users’ money.

If you decide to invest, you alone are responsible for your actions, and clause 6.11 clearly outlines this.

Neither the platform or the lender are liable for the delay of any payments or the borrower’s failure to fulfill the loan agreement.

viventor  terms611

This is a standard clause that you will find on any P2P lending platform. It’s important to understand the risks and diversify your portfolio across various loan types, countries and platforms to decrease the chances of defaults.

Clause 11.4 - Accuracy of the Information

In section 11.4, Viventor informs the user that the platform isn’t responsible for the accuracy of the information provided by the borrower or lender.

viventor  terms114

While many other P2P lending sites also use this clause, we don't agree with it, as the platform should guarantee that the lender’s data is accurate and complete.

👉 Conduct Your Own Due Diligence

Do Investors Have Access to Individual Loan Agreements?

Before you invest in any loans, you have the option to have a look at the assignment agreement and contract when reviewing the individual loans. You can find the PDF under LOAN DETAILS and Assignment Agreement.

viventor loan agreement

The loan assignment is quite straightforward and most of the information has already been presented in the user’s terms and conditions.

Within the assignment agreement, you will find additional information about both parties, the lender and you as the investor (assignee). Additionally, the contract also includes loan details and information about the buyback guarantee.

viventor  loan assignment

Potential Red Flags

  • Terms and conditions can be changed without prior notice.
Learn more about possible red flags here.

What's our Opinion About Viventor

Keeping the risks of P2P lending in mind, we came to the conclusion that Viventor is a promising platform. After our own due diligence we decided to give Viventor a chance and invested on the platform.

We also had a chance to chat with Viventor's CEO about the onboarding and monitoring of their lending companies. You can view the video below.

No time to watch? No worries!

The main takeaways for us were:

  • Viventor's partners can finance up to 70% of their loans via Viventor
  • Lending companies in the payday loan sector can have defaults up to 40%
  • Viventor is getting more transparent about sharing information about its lending companies

As always we're keeping an eye on our investments and we'll let you know if any changes occur in the news section of our Viventor review.

Now let's talk about Viventor's strenghts.


Regardless of whether you’re a newbie or an experienced investor, navigating through Viventor is intuitive and investing is simple.

You can either invest manually on the primary or secondary market or you can set up your own automated investment strategy.

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 (to a certain extend).

While platforms such as EstateGuru limit certain features unless you invest €250 per project, with Viventor you have no limitations.

viventor auto invest

Our Auto Invest Settings

Your Auto Invest settings depend on your investment goals. We follow a very similar investment strategy as with our Mintos Auto Invest strategy.

The only difference this time is that we want to bring additional liquidity to our loan portfolio. Meaning we want to be able to cash out fast.

Which is why we invest in:

  • Consumer loans with interest rates between 12% - 16%
  • Loans with a loan period between one and three months
  • Current loans only
  • Backed by the payment and buyback guarantee

We have also excluded higher-risk countries such as North Macedonia, Moldova, Bosnia, Kenya, and Kazakhstan. Note that the availability of loans in every country is subject to change.

To get a better idea about how many loans match your criteria, you can navigate to Investments instead and apply your filter to get a better overview of how your investment will be diversified. The Auto Invest does not show you how many loans match your criteria.

viventor loans

Unfortunately even after you have excluded certain countries and loan types and click on “filter” the Investments calculator does not automatically exclude loan originators that don’t match your criteria.

You need to do it manually. Arrr..

Before you activate your Auto Invest, have a look at Viventor’s loan originators. Especially if you aim to invest a larger amount of money (more than €5,000).

Look at their financial reports, track record, and securities.There are certainly differences between individual loan originators and a detailed analysis of all the risks goes beyond the scope of our Viventor review.

viventor loan originators

You can also use Viventor's lender portfolio overview to adjust your Auto Invest based on the current portfolio situation.

📖 Larn more about investing in individual loan originators

Create Multiple Auto Invest Portfolios

The Auto Invest also does not diversify your portfolio equally across all loan originators. In case you really want to diversify and control the loan portfolio, you need to create multiple Auto Invest segmented by loan originators.

Every loan originator also offers different types of collateral, which you cannot select in the Auto Invest settings either that is also the reason why you should do your own research about loan originators beforehand.

There is a difference between investing in consumer loans backed by collateral such as a car compared to unsecured consumer loans.

How Fast Can You Cash Out?

It’s really important to know how fast you are able to withdraw your investments.

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 during normal market conditions.

Instead, the only way you can 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 other investors to trade on the secondary one.

This usually means that unless you sell with a discount, other investors might not buy from you.

There's no limitations on discount rates, however, you can only sell your investment with a premium of max. 1%

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

Here is a quick comparison between Viventor and Mintos.

Number of investors:+ 7,900+ 309,000
Min. 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:13.6%12.08%
Features:Auto InvestInvest and Access, Mintos Investment Strategies, Auto Invest
Countries you can invest in:1033
Number of loan originators:1571

Main Differences

  • Minto's buyback guarantee doesn't always cover accrued interest
  • "Pending payments" on Mintos don't pay interest whereas "Funds in Transit" on Viventor do.
  • The quantity of loans on Mintos is higher
  • The interest of loans on Mintos during normal market conditions is lower

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

Viventor has improved in many areas in the past weeks which is also the reason why we're still investing on Viventor.

While there are still points that could be improved, here are the main takeaways from our Viventor review:

  • Clear and open communication with investors
  • Broad diversification options
  • High availability of loans
  • Higher liquidity, thanks to the secondary market
  • Increased security, thanks to the collateral for selected loans

While every investor should make their own investment choices, so far we have liked the options Viventor is providing. If you are looking for a trustworthy P2P platform, give Viventor a try.

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 5PM
Social Media:Facebook, Twitter, LinkedIn