After registration, you are ready to invest in P2P loans on the platform once you have made your initial deposit. By the way, always keep an eye out for platform bonus promotions to gain advantages. You can find a continuously updated list of all bonuses in my P2P platform comparison.
Overall, investors now benefit from greater security and better legal options in the event of defaults and crises. The business model naturally continues to be the financing of personal loans, but these are now grouped together in loan packages known as ‘
To date, there have been no problems with lenders where outstanding receivables could not be serviced. As Viainvest operates in the PayDay loan market, which is one of the most restricted and regulated loan segments, this is a positive sign in terms of the platform’s risk management.
Today I got the last payment and although it took some time, I got all my money back and didn't lose a cent, even though there was an external factor and many companies would for sure not have the same attitude.
I am often asked how certain platforms compare to Mintos and whether they are alternatives. In my opinion, both platforms are not directly comparable. The reasons for this are simple:
The buyback guarantee, which could have been initiated after 120 days for the credit lines, was cancelled retroactively. As a result, these can now be extended indefinitely.
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Viainvest mainly uses the first model: the available Buyback guarantee takes effect in the event of a payment default of more than 60 days. ViaSMS then buys the debt from the investors together with the interest. Investors receive their money immediately so that no outstanding loans of more than 60 days remain in our portfolio. This option is particularly popular with investors as they hardly have to worry about individual loans. My Viainvest experience with the buyback guarantee has also been positive so far: everything went as promised and repayment was quick and problem-free. However, we should not forget that the function of a buyback guarantee depends on the state of the company in question: if the ViaSMS Group should ever slip into financial difficulties or even insolvency, there is no guarantee that the buybacks will continue to be processed so smoothly.
I also always do a close examination of the loan originators a platform uses, as this is usually where a platform will encounter problems if anything bad happens like a financial crisis.
The minimum amount for a manual investment at Viainvest is just 10 euros. In my experience, this is a good value – other providers require a minimum amount of up to 50 euros, but investments from one euro are also possible with some competitors. Automatic investing
We want to viainvest assure you that PeerBerry operates with the utmost integrity and transparency. Our platform has a solid track record with no defaulted loans, and we do not impose any fees for our services.
We are glad to hear that you were satisfied with how the situation regarding the war-affected loans was managed.
Your continued commitment to our platform over the past six months is highly appreciated, and we look forward to continuing our collaboration. Moving forward, we remain committed to maintaining our efforts and expanding our loan supply to further enhance the client experience on our platform.
We want you to know that we are addressing this by planning to onboard new Loan Originators to enhance investment opportunities available on our platform.