Viventor review shows that Viventor is a Latvian-based rP2P lending marketplace, focused on the consumer loans. Company was founded in the end of 2015 and over 5660+ investors have already invested more than €83 million in loans and have received 0.9 million EUR in interest.

With an important list of originators (15 different) and countries (6 different) from which to choose and returns up to 16% , Viventor is a good off-road platform to diversifyyour portfolio.

Key facts about Viventor

Estimated annual returns: Up to 16%
Launched: 2015
Autoinvest: Yes
Loan security: Yes
Provision fund: No
Buyback guarantees: Yes
Registered investors: 5660+ in June 2019
Minimal investment: € 10
Time to become invested: almost instantly
Time needed managing: Low
Regulation: Not supervised by the Latvian Financial Supervision Authority
Country of operation: Latvia
Defaulted loans: N/A
Borrowers verification: By the loan originators
Accepted currencies: Euro
Accepts investors from: Worldwide

Viventor Review: Pros and Cons


– User-friendly and intuitive dashboard for investors
– Investment policy can be tailored to purchase whole loans based on pre-defined criteria or invest into fractional loans across the market
– International business architecture
– Fast ID verification and time to become money invested (in my example one day)
– Autoinvest tool
– Solid track record with more than 83M eur lent to real estate projects
– BuyBack guarantee


– No information what steps will be taken to prepare for the upcoming regulations for P2P platforms in Latvia


Mintos, Twino, Savy, Neofinance, RoboCash, Viainvest, Crowdestate

Viventor review: What I have experienced so far

Firstly, some words about opening account at Viventor. For me it was easy process however you need to do full KYC, as there is no possibility to login with Facebook or Google. Add funds to Vivientor’s account also is enough easy. I have used SEPA payments and it took less than one working day to see funds at Viventor dashboard.

Secondly, some facts about my experience at Viventor. Peer to peer lending platforms define themselves by the quality of their features. Nothing is more frustrating than a laggy AutoInvest, or an illiquid secondary market. I had chosen Autoinvest tool and have been investing my own money at Viventor since 2017. So far my returns are around 12%.

All in all, Viventor has a lot of experience in p2p lending industry. They issued more than €83 million in loans, has a big amount of investors and offers to them attracting returns. Moreover, the platform has user-friendly and intuitive dashboard and nice portfolio management tool. On the other hand, you as investor have to consider the future of P2P lending market in Latvia. The regulions for P2P lending platforms are coming to Latvia and it is very interesting what path Viventor will take (will they stay in Latvia or move to other jurisdiction).

Viventor review is written by Tomas Medeckis