Hive5 Review – A Personal Experience
Founded in 2022, it’s a relatively new crowdlending marketplace. I have been investing since April 2023, and so far, everything has been running smoothly with no overdue loans. On average, I have earned more than 13%.
Table of contents
Security
- License: No
- Trustpilot score: 4.4 (June 2025 )
- Buyback guarantee: Yes. 60 days. In addition to the loan originator, Hive5 also back up this guarantee
- Diversity: Limited: only 5 loan originators
- Late loans: I haven’t experienced any
- Defaulted loans: I haven’t experienced any
- Withdrawal: Fast
- Deposit: Fast
Loans
- Interest: 12.5% – 15%
- Loan types: Personal and business
- Loan term: Most loans are 1 month or less
- Available loans: I have experiensed instant investment after deposit
- Minimum invest: 10€
- Secondary market: No
- Autoinvest: Yes.
Recomended autoinvest settings
- Portfolio size: set it a little higher than your account value (the value increases, when you get interest 🙂
- Investment size: 10 – 20 EUR:
- Originators: all
- Loan term, days: 14-31
- Interest rate: 10%-20%
- Do you want reinvest?: Yes
Tax
- Home country: the Republic of Croatia
- Tax will not be deducted; it’s your responsibility to declare your earnings to your home country’s tax authority
My advise
- Based in Croatia, Hive5 serves as an alternative to many Baltic marketplaces. With its high interest rates and instant auto-investment feature, it is worth considering for investment. However, due to low security and limited diversification, I recommend investing a small amount and monitoring for any late payments
Verdict
Pros
- High interest
- Instant invest
- Easy autoinvest
Cons
- No license
- Short history
- Limited diversification
Bonus offered by Hive5:
None available at the moment.
Visit Hive5 (affiliate link)
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