Some image

Debitum Review 2021: My Results After 2 Years

Last Update:
November 18, 2021

I love to diversify my Peer-to-Peer lending investments on as many great platforms as possible. In this article, I will review the Peer-to-Peer lending platform Debitum, which I added to my portfolio in 2018.

In the article, I will tell you what I think are the biggest strengths (and weaknesses) of the platform, how to start using it, and what you can expect from investing on the platform. Let's start!

What is Debitum?

As for all Peer-to-Peer lending platforms, Debitum is a financial platform that matches borrowers with investors, that will lend money on the platform in exchange of interests on loans. The Debitum platform launched in 2018, and they are based in Vilnius, Lithuania. 

They currently have over 7,000 investors registered on the platform, and they already funded over 42M Euros worth of loans.

The platform really puts their focus on making it really easy for investors to generate passive income on their platform, while keeping their investments safe & secure, which is what we are going to check in this review.

What returns can I expect from investing on Debitum?

The returns you can expect on Debitum are slightly lower than on some other platforms, with an average yield currently at 8.86%. However, you can definitely get higher yields on the platforms, as I am currently around 10% on my own portfolio, which is in line with other Peer-to-Peer lending platforms in the field.

Is it safe to invest on Debitum?

The question of the safety of the investors funds is central when investing on a Peer-to-Peer lending platform, as they will be managing all the money that you deposit on the platform and invest it in loans. When checking a new platform, I look at three things: what the platforms offers in terms of guarantees, the company itself (and their team), and finally the loan originators.

Risks & guarantees on Debitum

On Debitum, all loans come with a 90 days buyback guarantee, so this is already a good point for the platform. They also have a very transparent credit scoring system, which makes it easy to select investments you want in your portfolio & what level of yield/risk you are looking for.

They also follow a strict due diligence process to put loans on the platforms, and use this process for the scoring system I mentioned earlier. We'll see later how to select loans based on their credit score in the auto-invest function. 

Note that two-factor authentication (2FA) is also available on Debitum, which is another good point for the security of the platform.

The company & the team

As for all Peer-to-Peer lending platforms I add to my portfolio, I also check the company itself and see what they are doing in terms of security & safety of the investors funds.

Also, compared to the first time I wrote about this platform, Debitum is now a regulated & licensed investment firm. They got their investment brokerage license in September 2021 - which will guarantee that are following all the required processes to protect investors funds. This is definitely a very good trend that a lot of platforms are following, and it is good to see the Debitum is also following this trend.

As for all platforms I review, I also check who is in their management team, and what activities they did before going to Debitum. For example, I checked the profile of the co-founder of Debitum:

As you can see from this sample of his LinkedIn page, he was involved with other companies before Debitum (they are a few more below in the profile), which is a very good sign. I also checked other members of their management team with similar results.

Loan originators

I also always have do a close examination of the loan originators a platform uses, as this is usually where a platform will encounter problems if anything bad happens like a financial crisis. 

Here, I really liked the transparency on who their loan originators are, which you can find on a dedicated page directly accessible from the main page of the website.

They currently have loan originators from Romania, Lithuania, Latvia, the UK, and Czech Republic. I liked the fact that they give details about each of their loan originators, especially about the security of the investors funds.

Getting started with Debitum

It is actually really easy to get started with Debitum and have your money start generating interests on the platform.

The first step is to open an account and get verified. This was done really quickly, and including the ID verification part it was all done in under 5 minutes.

Next, you will have to deposit funds in your account to start investing in loans and generate interests. This is also really to do with Debitum, as you can do it via a simple bank transfer.

Finally, you will need to decide how you want to invest on the platform. Note that you can actually invest manually in loans on the platform, but this is not something I recommend, and you better use the auto-invest strategy that is available on Debitum.

What I like about Debitum is that they already offer pre-made templates for the auto-invest function, that allows you to get a quick start in case you don't want to build your own auto-invest function. You can also of course also set all the parameters yourself, which is what I did:

Here, I selected all loans on the platform with interest rates superior to 8%, with a credit score of at least C, and with the minimum investment amount of 50 Euros per loan. 

Once you activated a strategy, you are basically done: Debitum will automatically invest the funds for you, and your portfolio will start generating interests.

As for all the platforms I review, I also tried to withdraw money, and the money was back on my account in just 1 day.

My Returns with Debitum

As for all platforms I talk about on my website, I personally invested on the platform with my own money, for over 2 years now on Debitum. So far, I only had good returns with the platform, with an average yield of 9.92% in this period.


My Overall Rating
My Average Yield
Investment Protection
What I Liked
Buyback guarantee on most loans
Applied for an investment license
What I Didn't Like
Yields slightly lower than other platforms

I spend a lot of time choosing high-quality platforms to invest on, and Debitum is really a platform I consider to be one of the best in the field of Peer-to-Peer lending platforms. They have decent yields, they did everything in terms of security & safety of the platform (like applying for an investment license), and they also have a website that is really easy to use. 

For all those reasons, I really recommend you check out Debitum and consider adding it to your investment portfolio.