Nectaro Review: Is It a Legit P2P Lending Platform in 2026?
Nectaro is a regulated Latvian investment platform where you can invest in lending portfolios from Romania, Moldova, and the Philippines, earning between 11% and 14.5% per year. All loans come with a buyback obligation. In this Nectaro review, we share our hands-on experience with the platform — what works, what doesn't, and whether it's worth adding to your portfolio.
Key Takeaways from Our Nectaro Review:
- Competitive interest rates of up to 14.5% per year
- Easy-to-use, beginner-friendly platform
- Quick and smooth onboarding — verified in under 3 hours
- Longer loan terms with illiquidity premium
If you're looking to boost your returns from P2P lending, Nectaro could be a promising option — but read the full review before committing any capital.
What is Nectaro?
Nectaro is a regulated investment firm based in Latvia, offering retail investors the opportunity to invest in consumer loan portfolios from Moldova, Romania, and the Philippines. Investors can earn annual returns between 11% and 14.5%, with loan terms of up to 4 years.
The platform provides access to loans originated by EcoFinance, a lending arm of the DYNINNO Group — a large, U.S.-based corporation with interests in financial services, entertainment, and travel. Being part of an established group is a plus, though it doesn't eliminate the risks we'll cover below.
Pros
- Regulated investment firm — added investor protection
- User-friendly investment dashboard suitable for all experience levels
- High yields of up to 14.5% annually
- Generous cashback bonuses for new investors
- No cash drag — funds are deployed quickly
Cons
- Limited diversification — only in-house loan originators
- No secondary market — investments are illiquid until maturity
- EcoFinance's Russian entity owes money to investors on Mintos
- No group guarantee for EcoFinance lenders
- Pending payments can delay withdrawal requests by 7–10 days
Our Verdict on Nectaro
Nectaro is a regulated platform, but it only launched in October 2023 — so the track record is still short compared to the bigger names in the industry. Its underlying lenders in Moldova and Romania have posted solid financial results so far, and both rank among the top five non-banking lenders in their respective markets.
According to Nectaro, both lenders regularly publish financial reports (available in the "Loan Originator" section), and their balance sheets appear capable of sustaining the buyback obligations on offer. The longer loan terms also reduce exposure to the regulatory crackdowns that typically target short-term, high-rate consumer lenders.
Experienced P2P investors may find genuinely attractive opportunities in these loan books. However, there are real weaknesses to weigh up.
EcoFinance does not provide a group guarantee for its lenders — unlike PeerBerry. Dyninno Fintech Holding Limited reportedly guarantees loans from Abele Finance listed on Nectaro, but no contracts have ever been shared publicly. Until that changes, we wouldn't factor this guarantee into any investment decision.
Abele Finance is a separate product from EcoFinance's consumer lending portfolios: it raises funds to support the wider DYNINNO Group's business development. We treat the two products differently and recommend investors do the same.
We maintain an active portfolio on Nectaro. We currently invest exclusively in Romanian consumer loans, despite the higher headline returns available through Abele Finance. You can follow our allocations in our P2P portfolio.
Do you prefer to watch a video? Here are the main highlights from our Nectaro review:
Nectaro Bonus for New Investors
New investors on Nectaro can earn a 1% cashback bonus on all investments made within the first 21 days of registration — with a maximum bonus of €1,000.
The bonus is credited to your account within five business days after the campaign period ends. No Nectaro referral code is required during registration to qualify.
How to Sign Up: Requirements and Onboarding
The Nectaro registration process is fast, fully digital, and takes less than 10 minutes to complete.
You'll need to verify your email address and provide personal details including your residential address, tax information, and a summary of your financial situation. You'll also need to upload a photo ID and a selfie, and complete an investor questionnaire to assess your familiarity with regulated Notes.
Once submitted, the Nectaro team reviews your application — in our experience, this took around 3 hours before we could deposit funds.
To fund your account, click "Add funds" in the left-hand menu and follow the on-screen steps. Include your investor ID in the bank transfer reference so Nectaro can allocate the payment correctly. Note: transfers must originate from an EU/EEA bank account registered in your name. In our tests, funds arrived within a few hours.
Withdrawals
During our testing, deposits were credited within 5 hours and uninvested funds were withdrawn within 1 business day. Invested funds cannot be withdrawn early — there is no secondary market or early exit mechanism.
One important nuance: Nectaro settles debts with the Romanian lender twice per week and with other lenders once per week. This means a loan that is officially due may show funds as "available" before the loan originator has actually transferred the money. In practice, this can push withdrawal timelines out by 7 to 10 days depending on when you submit your request. Nectaro also processes withdrawals on business days only.
Investors with larger portfolios should also be aware of Nectaro's strict anti-money laundering (AML) procedures. Random AML checks may require you to provide detailed proof of the origin of your funds, which can temporarily restrict access to your investment. If you're not comfortable sharing detailed financial documentation, Nectaro may not be the right platform for you.
Risk & Return: What to Expect
Nectaro offers annual returns of 11% to 14.5%, which are competitive within the European P2P lending market. Higher rates are reserved for longer loan terms, effectively functioning as an illiquidity premium in the absence of a secondary market.
That said, investing on Nectaro comes with real risks. The platform launched in October 2023, which means its track record is limited. While you invest via Notes, your underlying exposure is to the loan originators and the markets they operate in. For country-level risk assessments, see our Country Risk Data Hub.
Loan Originators
Nectaro's core purpose is to fund the lending portfolios of EcoFinance entities within the DYNINNO Group — Nectaro's parent company. This makes Nectaro a direct P2P platform, similar in structure to TWINO or Robocash, where investors fund in-house lenders rather than third-party originators.
This structure has a meaningful advantage: Nectaro's management can monitor loan performance directly.
Alongside personal consumer loans, Nectaro also lists business loans from SIA Abele Finance — a company established in June 2024 to channel capital into DYNINNO Group businesses. These notes carry a lower interest rate of 11% with terms of up to 8 months, and are a fundamentally different product from the consumer lending portfolios.
Buyback Obligation
All investments on Nectaro are covered by a 60-day buyback obligation. If a loan falls more than 60 days past due, the originating lender is required to repurchase your investment at face value plus accrued interest.
Critically, this obligation rests solely with the individual lending company — EcoFinance does not provide a group-level guarantee. If a lender encounters severe financial difficulties, other companies within the EcoFinance group are not contractually obligated to step in.
EcoFinance Russia: What Investors Need to Know
EcoFinance, the financial group behind Nectaro's Moldovan and Romanian lenders, previously operated in Russia. EcoFinance RU was suspended on the Mintos platform on June 13, 2022, leaving a principal exposure of approximately €4 million and around €84,000 in interest outstanding.
Since the suspension, EcoFinance RU has repaid €536,732 in principal and just €2,244 in recovered interest. As of September 2024, approximately €2.2 million of investor funds remain at risk — representing a recovery rate of roughly 11% over more than two years.
EcoFinance has attributed the delays to sanctions imposed on Russian banks, which have blocked external transactions. In December 2022, a debt restructuring agreement was reached with SIA Mintos Finance, aligning repayments with the Russian Central Bank's monthly limits for outbound transfers. Further sanctions in February 2023 disrupted this schedule, and EcoFinance spent much of 2023 attempting to open accounts at non-sanctioned Russian banks.
In June 2024, EcoFinance successfully opened an account at a non-sanctioned bank and resumed monthly repayments. As of November 12, 2024, the outstanding principal debt stands at 18,866,260.65 RUB and 2,649,998.49 EUR. EcoFinance and Mintos report ongoing communication as they work through payment solutions compliant with EU sanctions.
This situation does not directly affect Nectaro's Moldovan and Romanian lenders, but it is relevant context when assessing the broader EcoFinance group.
€20,000 Investor Compensation Scheme
Nectaro is an authorized investment firm and a member of Latvia's national investor compensation scheme under Directive 97/9/EC. This scheme provides compensation if Nectaro itself becomes unable to return investor funds or financial instruments.
The maximum compensation is 90% of net losses, capped at €20,000 per investor. This protection does not cover typical investment risks — including loan defaults, poor loan performance, or lending company insolvencies.
Taxes
Nectaro automatically deducts withholding tax from interest income as required by Latvian law. Here's how it works:
- You invest in Notes.
- The borrower or lending company makes an interest payment.
- Nectaro credits the full interest amount to your account.
- A portion of the interest is automatically withheld as tax, based on the applicable rate.
In most cases, the withheld amount can be offset against your tax liability at home, avoiding double taxation. The withheld tax will appear separately in your account statement and annual tax report. Legal entities are not subject to this withholding tax.
For EU/EEA tax residents, Nectaro applies a standard withholding tax rate of 5% on interest income, unless a double tax treaty applies — for example, Lithuanian residents are taxed at 0%.
Is Nectaro Safe?
Answering "is Nectaro safe?" isn't straightforward — it depends on the management team, the financial health of the underlying lenders, and how well the platform is regulated. Here's our take on each.
Who Leads The Team?
The platform is led by Sigita Kotlere, CEO and Board Member, who has been the public face of Nectaro since 2022. Prior to joining Nectaro, she held a Partnership Executive role at Mintos and has a background in banking — relevant experience for running a regulated lending platform.
Nectaro was founded by Dmitry Tsymber, who also founded the EcoFinance group. His deep background in consumer lending underpins both the platform's origination model and its risk management approach.
Want to hear directly from the team? Watch our onboarding call with the CEO below.
Who Owns Nectaro?
Nectaro is owned by DYNINNO Fintech Holding in Cyprus, which is part of the broader DYNINNO Group — a U.S.-based corporation with operations spanning financial services, travel, and entertainment.
Are There Any Concerning Terms and Conditions?
Before investing, we recommend reviewing Nectaro's terms and conditions carefully. A few points worth noting:
Storage of Funds
Investors on Nectaro do not hold individual IBAN accounts. However, all investor funds are held in segregated accounts, kept separate from Nectaro's own operational funds — an important safeguard in the event of platform insolvency.
Amendments
Nectaro provides investors with 30 days' advance notice of any changes to its terms and conditions. The platform reserves the right to implement immediate changes only when those changes are in investors' favour.
Loan Agreements
You can download the legal agreement for any specific Note investment directly from your portfolio overview by clicking the file icon on the right-hand side.
Platform Usability
Nectaro is one of the more accessible P2P platforms we've reviewed — clean, intuitive, and easy to navigate whether you're new to P2P lending or an experienced investor.
After logging in, you're presented with a clear portfolio overview including a loan status chart, your available balance, and your average annual return. The dashboard makes it easy to track performance at a glance.
The primary market lets you browse and manually invest in individual loans, filtering by country of origin, loan term, and interest rate.
Once you've selected a loan, enter your desired investment amount and confirm. Your funds are allocated to the chosen Notes immediately.
Auto-Invest
Nectaro's Auto-Invest tool lets you automate capital deployment according to preset criteria. You can define parameters including countries (Romania, Moldova, Latvia), minimum and maximum loan terms, interest rate thresholds, and a total investment target.
Up to three separate Auto-Invest strategies can run simultaneously, each executed at least once per day. Individual Note allocations through Auto-Invest range from €10 to €250. If you want more precise control over your per-Note exposure, manual investing is the better option.
Keep in mind that Auto-Invest does not guarantee an evenly diversified portfolio, and all Auto-Invest positions are held to maturity — there is no secondary market exit.
Smart-Reinvest
The Smart-Reinvest tool automatically redeploys principal repayments back into the same batch of Notes when a borrower repays early. If no matching Notes are available in that series, the repaid principal is simply returned to your Nectaro cash balance.
For example: you invest €50 across a series of five loans. Two loans repay — one in full, one partially. Smart-Reinvest takes the repaid principal (say, €15) and reallocates it to the remaining open loans within the same Note series. Interest earned is credited to your Nectaro cash balance directly.
The key benefit is continuous capital deployment without requiring you to log in and reinvest manually. Smart-Reinvest is off by default and can be activated in your account settings.
Liquidity
Nectaro does not offer a secondary market or early exit option. Once you invest, your capital is committed until loan maturity. That said, the credit line structure means investors can typically expect to receive 50% to 70% of their invested funds back within the first 12 months, and up to 40% within the first six months.
If liquidity is a priority, platforms with a functioning secondary market may be a better fit. But if you're comfortable locking up capital for longer periods, Nectaro offers an attractive yield without the cash drag that commonly affects larger platforms like PeerBerry, Esketit, or Robocash.
Customer Support
Nectaro is a smaller platform, so don't expect the same level of responsiveness you'd get from a Mintos or PeerBerry. Support runs through email at support@nectaro.eu — replies can take a while.
Nectaro also maintains an official Telegram channel where investors can get platform updates and engage with the community.
Nectaro Alternatives
Nectaro works best for investors who are comfortable with longer lock-up periods and a bit more risk. If you want to spread your bets, here are three platforms worth considering alongside it:
Indemo
Indemo is a regulated investment platform specialising in discounted, defaulted mortgage-backed loans from Spain, with an average expected return of 15.1% per year. Despite the lack of a secondary market, the platform has delivered strong results to date. Learn more in our Indemo review.
Fintown
Fintown is a Czech platform offering investments in operational rental units, managed by the Vihorev Group — a well-known Prague real estate developer. The rental income-backed structure offers lower risk exposure than consumer or payday loans. Read more in our Fintown review.
Income Marketplace
Income Marketplace is an Estonian-based platform with a diverse range of high-yielding loans from Estonia, Bulgaria, Indonesia, and Spain. A solid option for investors seeking broad geographic diversification. See how it works in our Income Marketplace review.
