Peerberry Review – A Personal Experience

Crowdlending review about Peerberry.com

Peerberry is the second-largest crowdlending marketplace and is highly stable. Additionally, it is quite popular, resulting in cash drags for uninvested funds.

Despite this, I have earned a 10% interest rate since December 2021, and there have been no defaults or late loans. Even all my Ukrainian and Russian loans has been repaid.

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Security

  • License: Crowdlending license in Lithuania
  • Founded: 2017
  • Trustpilot score: 3.6 (june 2025)
  • Buyback guarantee: Yes
  • Diversity: Medium: About 20 different loan originators but only few different countries
  • Late loans: No
  • Defaulted loans: I haven’t experienced any
  • Withdrawal: The same or the next working day
  • Deposit: The same or the next working day

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Loans

  • Interest: 9-10,5%
  • Loan types: Personal, business, leasing, real estate
  • Loan term: 1 month to a year or more
  • Available loans: Too few short term loans, resulting in delay of reinvesting. Plenty real estate loans with 1-2 year term
  • Minimum invest: 10€
  • Secondary market: No
  • Autoinvest: Yes

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Recomended autoinvest settings

  • Choose: Autoinvest – Custom
  • Currency: Only EUR
  • Loan originators: All
  • Remaining term: 10-90 days (or 1-2 years if you choose real estate)
  • Minimum interest rate: 8%
  • Portfolio tagit: set it a little higher than your account value (the value increases, when you get interest 🙂
  • Maximum investment in one loan: 20 EUR

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Tax

  • Home country: Lithuania
  • Tax will not be deducted; it’s your own responsibility to declare your earnings to your home country’s tax authority

My advise

I recommend investing mostly in short-term loans since there is no secondary market to facilitate an early exit. If there were enough short-term loans, I would invest a significant amount in this marketplace. Until more loans become available, the best approach is to combine auto-invest with manual investments.

If you want to diversify your investments with real estate loans, it is possible to set up an autoinvest. In other real estate P2P platforms you have to invest manually. Plenty real estate loans are available.

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Verdict

Pros

  • A very secure and stable platform
  • No late loans
  • Autoinvest – also for real estate loans

Cons

  • No secondary market
  • Too few short term loans

Bonus offered by Peerberry

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Read more:

Overview of Crowdlending Marketplaces

Is crowdlending safe?