Esketit Review 2025
P2P Lending Platform with a Great Track Record
Quick Verdict
Esketit is a solid P2P lending platform backed by Creamfinance, a large lending company with no money lost for investors since 2012. While relatively new (founded 2020), the Creamfinance backing gives it a strong track record. With returns around 13%, buyback obligations on all loans, and full transparency, it's a great addition to a diversified P2P portfolio.
The CEO, Vitalijs Zalovs, brings 6 years of experience from Mintos—another excellent platform I invest on. If you're looking to diversify your P2P investments, Esketit is worth considering.
Try Esketit Free →What is Esketit?
Esketit is a Peer-to-Peer lending platform that matches borrowers with investors who lend money in exchange for interest on loans. Based in Riga, Latvia, and registered in Ireland, Esketit was founded in 2020.
What makes Esketit different from other platforms is that it was created by Creamfinance, a large and well-known lending company. This gives Esketit an excellent track record right from the start. They currently have around 3,000 investors with €57M+ worth of loans funded on the platform.
I love to diversify my P2P lending investments across as many great platforms as possible, and I added Esketit to my portfolio in 2022. In this review, I'll share the platform's biggest strengths and weaknesses, and what you can expect from investing.
What Returns Can You Expect?
Esketit currently advertises returns of 13.35% on average, putting it at the top of similar platforms in the field. These returns are competitive with other leading P2P platforms while offering the security of Creamfinance backing.
Having been an investor on Esketit since 2022, I can confirm that my returns have been consistent with the advertised rates. The platform delivers on its promises.
Is Esketit Safe to Invest On?
I always evaluate platforms on three areas: guarantees, company/team, and loan originators
Buyback Obligation
All loans are covered by a buyback obligation—standard in P2P but essential for investor protection.
Skin in the Game
Esketit invests in their own loans. They're both the platform AND loan originator, meaning they support their own loans.
Full Transparency
Clear statistics page, detailed loan originator information, and full financial reports publicly available.
Creamfinance Backing
Created by Creamfinance, a large lending company with no money lost for investors since 2012.
The Company & Team
Esketit operates from Riga, Latvia, with the company registered in Ireland. I verified they are properly registered. They publish their numbers monthly on their statistics page and are completely transparent about their team, with full descriptions of each person's role.
Loan Originators
The situation with Esketit is unique: all loan originators are affiliated with Creamfinance, the principal partner. This provides group-level backing and consistency across all loans.
| Country | Company | Guarantee |
|---|---|---|
| Czech Republic | Creamfinance CZ | Buyback + Group |
| Spain | Creamfinance ES | Buyback + Group |
| Mexico | Creamfinance MX | Buyback + Group |
| Jordan | Esketit Founders | Buyback |
Creamfinance has an excellent track record with no money lost for investors since 2012.
Getting Started with Esketit
Open & Verify Account
Really quick and easy—done within 5 minutes including automated identity verification.
Deposit Funds
Simple bank transfer to fund your account. Easy and straightforward process.
Choose Investment Method
Three options available: Primary Market, Secondary Market, or Auto-Invest (recommended).
I Recommend: Auto-Invest
You can choose from existing strategies or create your own. I created a custom strategy with:
- • Good interest rates
- • Minimum investment per loan
- • Short-term loans
With these settings, over 1,000 loans matched my criteria—plenty to invest a decent amount.
Activate & Earn
Simply activate your strategy and you're done! Auto-invest will automatically invest your money and you'll start generating returns on the platform.
Withdrawal Test ✓
As with all platforms I review, I tested withdrawals. Money was back in my account in just 2 days—fast and reliable.
Pros & Cons
Pros
- ✓High returns around 13%+
- ✓Backed by Creamfinance (no losses since 2012)
- ✓All loans have buyback obligation
- ✓Full transparency on all numbers
- ✓CEO with 6 years Mintos experience
- ✓Easy-to-use auto-invest feature
- ✓Secondary market for liquidity
- ✓Fast withdrawals (2 days)
Cons
- ✗Relatively new platform (founded 2020)
- ✗Smaller investor base than established platforms
- ✗Limited to Creamfinance loan originators
- ✗Not yet regulated as investment firm
My Own Returns with Esketit
Everything has gone smoothly on the platform. Returns are consistent with the advertised ~13% yield. I continue to invest and will update this section with long-term results.
Final Verdict
Esketit is a strong P2P lending platform that benefits from Creamfinance's excellent track record (no losses since 2012). While relatively new, the backing of a large, established lending company gives it credibility that many newer platforms lack.
With returns around 13%, buyback guarantees, full transparency, and a leadership team with Mintos experience, Esketit is a worthy addition to a diversified P2P lending portfolio. The easy-to-use auto-invest feature and fast withdrawals make it a pleasure to use.