PeerBerry Review Summary
PeerBerry is one of Europe's largest P2P lending platforms, active since 2017 with over 110,000 investors and more than €50M in paid interest. The platform offers annual returns of up to 9% on consumer and real estate loans, backed by a 60-day buyback guarantee and a group guarantee from the parent companies of the loan originators.
This PeerBerry review covers the lending structure, loan originator quality, regulatory status, liquidity, and the key risks investors need to understand before committing capital.
Main takeaways from our PeerBerry review:
- Up to 9% per year on short-term consumer loans and medium-term real estate loans
- 60-day buyback guarantee plus group guarantee from Aventus Group and Gofingo
- Zero capital loss across eight years of operations — including the war in Ukraine
- Limited loan availability due to high investor demand, which causes cash drag
PeerBerry has built its reputation on discipline and transparency. The main trade-off is cash drag — demand outpaces supply, and keeping funds fully invested takes effort.
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What is PeerBerry?
PeerBerry is one of Europe's largest P2P lending platforms. Since 2017, more than 110,000 investors have earned over €50M in interest with no capital loss. Investors can invest in short-term consumer loans and medium-term real estate loans, both backed by a buyback guarantee, with interest of up to 9% per year.
Pros
- 60-day buyback guarantee plus group guarantee from Aventus Group and Gofingo
- Zero capital loss for investors across eight years
- Strong loan originator transparency with published financial reports
- Secondary market available after six months of holding
- Experienced team with direct access to real-time loan book data
Cons
- Cash drag — loan demand often exceeds supply
- Auto-invest may underperform during periods of high demand
- Funds are held in segregated accounts, not individual IBANs
Want a quick overview of how PeerBerry is performing right now? Watch this video:
Our Opinion Of PeerBerry
We have been investing on PeerBerry since 2018, giving us eight years of hands-on experience. The platform has weathered multiple challenges — most notably the war in Ukraine — without any capital loss for its investors. All war-affected loans were fully repaid by 16 December 2024.
That recovery stands in sharp contrast to competing platforms like Twino, Debitum, and Mintos, which have struggled to recover debts from Russia and Ukraine despite their risk management claims.
Depositing and withdrawing has always been smooth. Rates of up to 9% remain competitive for a platform of this size and stability. Our current portfolio covers Romania, the Czech Republic, Spain, Mexico, and Lithuania.
During our visit to PeerBerry's Vilnius office, we saw their monitoring tools firsthand. PeerBerry has real-time access to the loan portfolios of Aventus Group companies and to all key performance indicators. No other P2P marketplace offers this level of transparency.
We also maintain regular communication with the CEO, which helps us adjust our allocation as market conditions shift.
The main drawback is loan availability. Demand from investors regularly outpaces the supply of new loans, so auto-invest often cannot allocate funds efficiently. Manual investing during peak hours on business days gives better results.
At the time of writing, we have over €40,000 invested on the platform. You can compare our PeerBerry stake to our other holdings in our P2P portfolio.
Where This Platform Fits
PeerBerry is suitable as a core holding in a diversified P2P portfolio. We recommend an allocation of 20%–40%, depending on portfolio size and how well investors understand the underlying lending model. Focus the allocation on loans backed by the Aventus Group guarantee, which has the longest and most consistent track record of honoring buyback obligations across market cycles.
What Can Go Wrong
- PeerBerry operates from the Baltics — a Russian incursion into the region would create direct operational risk for the platform and its Lithuanian-based team
- Geopolitical instability in the emerging markets where loan originators issue loans (e.g. Ukraine, Moldova, Eastern Europe, LatAm) can delay repayments or trigger force majeure situations
- Much of the platform's credibility rests on the leadership of Aventus Group's CEO — a very strong track record of protecting investors, but investor outcomes remain tied to that continuity
- Cash drag is a persistent structural issue — funds may sit uninvested for extended periods when loan demand is high
- The buyback guarantee depends on the solvency of the loan originators, and the group guarantee depends on the financial health of Aventus Group and Gofingo
- Funds are kept in segregated bank accounts rather than individual IBANs, which offers less direct investor protection than platforms using Lemonway or equivalent solutions
PeerBerry Bonus
P2P Empire readers qualify for a 0.5% bonus on all investments made during the first three months after registration. No code is needed when signing up through our partner link.
⭐ PeerBerry Loyalty Bonus
Three loyalty tiers apply on top of the signup bonus:
- Silver: portfolios over €10,000 — 0.5% bonus
- Gold: portfolios over €25,000 — 0.75% bonus
- Platinum: portfolios over €40,000 — 1% bonus
The bonus applies only to actively invested funds — uninvested balances do not qualify.
Requirements
To invest on PeerBerry, investors must meet the following requirements.
- Be at least 18 years old
- Have a European bank account in your name
- Country of residence cannot be on the FATF list
Deposits can be made in any currency, but transferring in euros avoids conversion fees. Transfers typically arrive within three business days. If you don't have a suitable bank account, the Wise card review and N26 review cover two good options.
🧾 Does PeerBerry deduct taxes?
PeerBerry does not withhold taxes. Tax statements are available in the dashboard and can be submitted to the tax authority in your country of residence.
Risk & Return
PeerBerry offers unsecured consumer loans and real estate loans. Most loans carry a 60-day buyback guarantee, meaning investors do not deal with debt collection directly — the loan originator buys back defaulted claims.
Buyback Guarantee
If a borrower is more than 60 days late, the loan originator repurchases the claim and returns both principal and accrued interest. This protects investors from borrower defaults.
The guarantee is not absolute. During "black swan" events such as the war in Ukraine, originators may not be able to honor it immediately. In that case, the group guarantee steps in.
Watch our visit to PeerBerry's HQ in Vilnius for exclusive insights into the platform's operations:
No PeerBerry investor has lost capital to date. Loan originators keep at least 10% of the listed portfolio in cash to cover buyback obligations, and none fund more than 45% of their loan book through P2P.
Group Guarantee
Beyond the buyback guarantee at the originator level, PeerBerry offers a group guarantee from the parent companies of the loan originators. Most originators are operated by Aventus Group and Gofingo.
If a loan originator cannot cover the buyback obligation, the parent group steps in. In our recent P2P talk with Aventus Group CEO Andrejus Trofimovas, it was clear that Aventus Group operates sustainably, with conservative capitalization and consistent growth.
This interview was recorded in December 2025.
Loan Originators
PeerBerry works with two large finance groups — Aventus Group and Gofingo — plus smaller lenders Lithome and SIB Group. Investors can currently access loans from 24 loan originators.
Each originator has its own profile on the platform showing portfolio size, funded volume, and buyback guarantee details.
PeerBerry publishes delayed loan data for each originator. Average delays on the platform range between 15% and 20% — significantly lower than most competing platforms.
Long-Term Real Estate Loans
Beyond short-term loans, PeerBerry also offers real estate loans with up to 9% annual interest over ~12 months, backed by a buyback guarantee.
These loans are funded by Lithome and SIB Group, both with solid track records and no reported capital losses on the platform. They typically offer more stable returns with less reinvestment effort, helping to reduce cash drag.
Overall, this segment can be a useful addition for investors seeking steadier income with lower portfolio maintenance.
Country Risk
PeerBerry publishes data on the regulatory environment in each market where its originators operate. All originators must comply with local laws, and country exposure can vary based on market conditions.
For emerging markets, PeerBerry uses an indirect investment structure. Investor funds pass through an intermediary before reaching the loan originator, which improves protection against force majeure events at the country level.
Investors who want balanced country exposure should set up multiple auto-invest portfolios or invest manually. For a deeper look at macroeconomic risk across markets, see our country risk data hub.
Is PeerBerry Safe?
Eight years of operations, zero capital loss, and transparent reporting from loan originators make PeerBerry one of the safer options in P2P lending. Its resilience during the war in Ukraine reinforced that reputation.
Who leads the platform?
Arunas Lekavicius is the CEO of PeerBerry. Before joining, he was Head of Leasing at Lithuanian lender 4finance. The core team has 10 employees, with IT and accounting outsourced.
Who owns the platform?
PeerBerry is owned by three shareholders: Andrejus Trofimovas (50%), Ivan Butov (25%), and Vytautas Olšauskas (25%).
Terms and conditions
We reviewed PeerBerry's terms and found no unusual clauses. Three points are worth noting:
Currency risk (Clause 2.3): All investments are denominated in euros, so investors are not exposed to FX fluctuations. Loan originators absorb any currency risk and adjust their cash buffers accordingly.
Fund safety (Clause 4.6): Investor funds are held in a segregated bank account under Peerberry d.o.o. Fund segregation is standard practice; individual IBANs would be an upgrade but are not currently offered.
Liability (Clause 7.7): PeerBerry is not liable if a borrower defaults. Investor protection comes from the originator (via buyback) and the parent group (via the group guarantee).
Assignment agreements
Investors can access individual assignment agreements under "My Investments" before or after committing capital.
Usability
The dashboard is intuitive and easy to navigate. Essential sections are accessible within a few clicks, and the platform supports manual investing, auto-invest, transaction exports, and tax statements.
PeerBerry Auto Invest
Auto Invest lets investors set portfolio size, maximum investment per loan, interest rate, loan period, status, countries, and loan originators. Reinvestment of returns is optional.
We recommend avoiding originator exclusions, as loan availability shifts constantly. Overly restrictive settings often result in uninvested balances.
Auto Invest Not Working? Here's What to Do
If your Auto Invest is not allocating funds, first check whether the current loan pipeline matches your criteria. During periods of high demand, Auto Invest may not secure all available loans, especially for smaller portfolios.
Loyalty tier matters — investors with larger portfolios get priority access. Only 65% of the loan supply is reserved for Auto Invest; the remaining 35% is available for manual investing on the Primary Market.
Manual investing on business days between 7:30 and 9:00 AM CET is the most effective way to deploy capital when demand is high. Enabling notifications on the PeerBerry app helps catch new listings in real time.
Tweaking Auto Invest settings by interest rate or loan period can help, but other filters rarely move the needle on performance.
Auto Invest Plans
PeerBerry also offers pre-built Auto Invest Plans for one-click diversification. The main differences between plans are investment term and loan type.
These plans will not balance exposure across lenders or countries. Investors who want specific country or lender diversification should set up individual auto-invest portfolios or invest manually.
PeerBerry App
The PeerBerry mobile app lets investors review portfolio status, available funds, invested funds, paid interest, and annualized net return. A daily interest repayment chart and dark mode are included.
The "Investments" section segments holdings by loan originator and type. Enabling notifications is the most effective way to stay on top of new loan listings.
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Liquidity
PeerBerry offers a secondary market for investments held at least six months. Sellers can exit before maturity, which improves flexibility for portfolio rebalancing.
The secondary market is available via desktop only; mobile app access is planned for later this year. All investors can sell, but buyers must complete identity verification and have sufficient available funds. The same terms apply as on the primary market.
Key secondary market rules:
- No fees for selling or buying
- Investments can be sold at nominal value or with a discount of up to 50%
- Only full investments can be sold — partial sales are not supported
- Sale offers remain active for 14 days and are auto-cancelled if not sold
- Offers can be changed or cancelled at any time before purchase
- Investments bought on the secondary market can be resold after 1 day
- Selling mid-month forfeits accrued interest for that period
Support
PeerBerry's support is responsive. Emails to info@peerberry.com are typically answered within a day, and the team handles both simple and complex queries well. Compared to larger European platforms like Bondora, PeerBerry's support stands out.
Trustpilot and Reddit also carry consistent positive feedback from investors. Testing support responsiveness before committing meaningful capital is always a smart move.
PeerBerry Alternatives
PeerBerry's cash drag can be frustrating. Uninvested funds earn nothing, so investors dealing with limited loan availability may want to pair PeerBerry with one or more of the following platforms.
Esketit
Esketit is a strong PeerBerry alternative with a clean track record, no funds in recovery, and an instant exit option. Returns run between 10% and 12%, slightly above PeerBerry. Learn more in our Esketit review.
Nectaro
Nectaro offers up to 14.5% annual interest on loans from Romania, Moldova, and the Philippines. Loan supply is higher than on PeerBerry, reducing cash drag. All loans carry a 60-day buyback guarantee. Learn more in our Nectaro review.
Triple Dragon Funding
Triple Dragon Funding offers up to 14% interest on business loans to game development studios, backed by tax credits and receivables. The loans are issued by Triple Dragon, a UK-based lender with a nine-year track record and less than 1% bad debt. Learn more in our Triple Dragon Funding review.
