PEER TO PEER LENDING Let your money work for you

10000.00 EUR loan financed by 226 investors Market
2950.50 EUR loan financed by 118 investors Market
800.00 EUR loan financed by 44 investors Market
1000.00 EUR loan financed by 37 investors Market
600.00 EUR loan financed by 19 investors Market

Statistics and reports of "NEO Finance"

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7326

Number of investors

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34 452 420 €

Sum of granted loans

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8204

Issued loans count

Introducing P2P Lending platform NEO Finance

Loan proposals to select
Refinancing Loan
Refinancing Loan
9000.00 € 3769.12 € collected from 9000.00 €
60 months Maturity
25.00 % Interest
C Rating
Refinancing Loan
Refinancing Loan
6648.84 € 4529.36 € collected from 6648.84 €
60 months Maturity
20.00 % Interest
B Rating
consumer loan
consumer loan
6300.00 € 2654.37 € collected from 6300.00 €
60 months Maturity
24.00 % Interest
C Rating
house repair loan
house repair loan
1500.00 € 1276.08 € collected from 1500.00 €
36 months Maturity
8.00 % Interest
A Rating
Refinancing Loan
Refinancing Loan
8088.24 € 2241.12 € collected from 8088.24 €
60 months Maturity
25.00 % Interest
C Rating
consumer loan
consumer loan
4900.00 € 3009.16 € collected from 4900.00 €
60 months Maturity
13.00 % Interest
A Rating
Refinancing Loan
Refinancing Loan
2146.94 € 784.75 € collected from 2146.94 €
60 months Maturity
10.00 % Interest
A Rating
Refinancing Loan
Refinancing Loan
3167.00 € 1581.07 € collected from 3167.00 €
54 months Maturity
16.00 % Interest
B Rating
Refinancing Loan
Refinancing Loan
3541.98 € 892.46 € collected from 3541.98 €
60 months Maturity
20.00 % Interest
C Rating
house repair loan
house repair loan
12000.00 € 1316.06 € collected from 12000.00 €
54 months Maturity
11.00 % Interest
A Rating
auto-invest

or invest automatically

Select criteria for your Auto Invest and we will invest for you based on your criteria. Save your time and earn solid returns. More

Why to invest through NEO Finance?

What do we offer?

Unlimited e-money institution licence (EMI)

Unlimited e-money institution licence (EMI)

The first and, so far, the only Lithuanian P2P platform operator to hold the unlimited EMI licence which allows operations in entire European Union. This ensures safety of clients’ money, as it is kept in an account separate from that of the company. In addition, the company is constantly supervised by the Bank of Lithuania.

Buyback and Provision fund services

Buyback and Provision fund services

When agreements with borrowers are terminated, investors can sell their investments for 50-80% of their face value to NEO Finance. Also, a unique service of Provision Fund allows investors to reduce their investment risk: if a loan defaults, NEO Finance guarantees to repay investors with all the company assets as collateral.

Average return rate of 12 percent

Average return rate of 12 percent

Historically, Lithuanian consumer loans had high interest rates, as the market was not regulated until 2016. However, even after the regulation was implemented, the interest rates remained high (16.8% for banking consumer loans, and 78.9% for other financial institutions’ loans in 2016). Therefore, risk / reward ratio is one of the highest in Europe.

Personal IBAN accounts free of charge

Personal IBAN accounts free of charge

Every user account is linked to a personal IBAN account, which is free of charge. Payments sent to other financial institutions are also free of charge for VIP investors. In addition, one can have multiple IBAN accounts under their name at NEO Finance, which enables them to test and employ different investment strategies.

Built inhouse IT system

Built inhouse IT system

The Lending Platform is very similar in its functionality to a banking system with IBAN accounts, support of payment transactions, and similar functions. It was built and is being constantly developed in-house by highly experienced IT and banking professionals.

Close long-term partnership with debt collection and recovery company

Close long-term partnership with debt collection and recovery company

All debts are handled by a single firm, which has been a long-term partner of NEO Finance. The company has 8+ years of experience in delinquent loans recovery, which ensures speed and quality of the service: 65% of debts have been collected within two years.

NEO Finance operational ground

The activity of "NEO Finance" is supervised by the Bank of Lithuania. The company is included in the public list of the consumer credit providers and in the list of the payment initiation service providers that undertaken to adhere to the principles of good practice, it is also the first platform that is included in the public list of mutual lending platform operators. The company is operating on the basis of the electronic money institution licence granted by the Bank of Lithuania.

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Provision fund
Guaranteed return on investment

Invest in a loan by using a provision fund. In case of delay the payments are covered from the accumulated provision fund fees. Its annual fee is between 0.44% and 22.91%. The fee depends on the rating and maturity.
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