In my experience, Viainvest does not have a cash drag like other platforms. This means that you don’t have to wait a long time for suitable loans (which effectively reduces your return). Disadvantages
Viainvest is a regulated P2P platform from Latvia where investors can benefit from a variety of international short-term consumer loans, while earning a return of up to 13%.
However, earning interest can come to an end quicker than one would like. We’ve seen this happen on other platforms. So, a loss is never completely ruled out!
PeerBerry strategically adjusts country exposure based on regulatory changes and market conditions, as demonstrated by the reduction in Polish exposure following 2023 regulatory reforms.
The interface is clean and intuitive—with language support across several European languages—and includes a flexible Auto Invest feature to automate loan selection based on predefined criteria.
From my experience, the best approach here is to simply wait and not bombard support with emails. Generally, they are aware of their mistakes and work to fix the issues as quickly as possible.
I got all my money back and my trust in this company was solidified. When there was a reason to act differently, they stood their ground and defended the interests of their clients. Congratulations!
You can check out the lender overview and comparison page to learn more about the applied KPIs and their interpretation.
Withholding tax is currently 5 per cent for Viainvest and is withheld directly. However, you can avoid this charge in many cases by obtaining a certificate of residence.
Due to high mintos investor demand, only 43% of deposited funds achieve immediate deployment. To minimize cash drag, consider:
Investor Confidence: The platform’s handling of this major test case has significantly strengthened our confidence in their risk management approach
The positive aspects of Viainvest are its long track record, the transparency applied in most areas, its financial stability and reliable repayments, which have enabled investors to achieve double-digit returns every year.
Viainvest is one of the few platforms in the European P2P market to levy a withholding tax. Although this is only 5 per cent and can be avoided in some cases with a certificate of residence, it is still a very unpleasant and annoying burden.
The IBF licence is generally regarded as the accolade for the popular platform – but the transition was anything but easy for investors! In order to meet the requirements of Latvian and EU regulations, some changes were necessary, which unfortunately did not go smoothly.