🏷️ Quick overview
Name : PeerBerry
Created : 2017
Country : Latvia (Headquarters in Riga), teams based in Vilnius, Lithuania
Investors / Amounts financed : +75,000 investors / +€2.2 billion financed
Loan types : Consumer loans (short term), auto loans, real estate loans, business loans
Target strategy type : Stable and passive return
💻 Interface & Accessibility
Site language: French, English, Spanish, German
Overall ergonomics : Smooth, simple, and well-structured interface
Registration and KYC verification : Fast procedure compliant with European standards
Mobile app available : Yes, on Android and iOS
Auto-invest : Yes, with advanced customization options
📈 Yield & Performance
Current yield of the platform : 8 – 9 %
Observed yield (personal) : Approximately 11% (Long presence and Loyalty Program)
Loyalty Program : >$10,000 = +0.5% ..... >$25,000 = +0.75% ..... >$40,000 = +1%
Average loan duration : 30 to 90 days
Investment mode : Primarily auto-invest, with the possibility of manual investment in long-term loans (less sought after by investors, therefore more available)
Minimum investment : 10 €
⚠️ Risks & Safety
Identified risks : Dependence on a limited group of originators, exposure to emerging markets
Buyback guarantee / collateral : Yes, buyback guarantee up to a maximum of 60 days
Borrower rating available : No
Secondary market : No
Global transparency : Good
Diversity of originators : Average, mainly affiliated with the Aventus group
💧 Liquidity
Withdrawal ease : Average, funds are available at the loan maturity
Average recovery time for funds : 1 to 2 months, depending on loan activity
Deposit/withdrawal times : 1 to 2 business days
Cash drag management : Low, thanks to good loan turnover
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : PSFP approval obtained in Lithuania at the end of 2023
Legal compliance (country of origin) : Compliant with European standards
History / known incidents : Delays related to the war in Ukraine, but proactive management with ongoing reimbursements (+ €51,400,000) by the group itself
Responsive customer service : Yes (email, telegram)
Regular communication : Yes, through newsletters, blog, and annual reports
🎁 Bonus & Referral
Welcome bonus : Yes
Amount or % : 0.5% on investments in the first 30 days
Referral bonus: No
🧠 My personal opinion
✅ Strengths :
- Limited cash drag
- User-friendly interface
- Reliable buyback guarantee
- Transparent communication
❌ Weak points :
- Absence of secondary market
- Dependence on a limited group of originators
- Decreasing yields
📌 Am I investing in it? Why? : Yes, for a passive income strategy with a good risk/reward balance. However, I am gradually reducing the share of PeerBerry in my portfolio because the returns are becoming too uninteresting for this type of investment.
🔍 For which investor profile? : Beginner investors looking for a stable and efficient platform to take their first step into the world of crowdlending