Esketit Review 2026: a P2P Lending Platform with a Great Track Record
A comprehensive review of Esketit, including safety analysis, returns expectations, and my personal experience investing on this P2P lending platform since 2022
Quick Verdict
Esketit is a reliable P2P lending platform backed by Creamfinance with an excellent track record since 2012. With 13.35% average returns, full transparency, buyback obligations, and skin in the game, it's a strong choice for P2P investors looking to diversify their portfolio.
Try EsketitWhat is Esketit?
As for all Peer-to-Peer lending platforms, Esketit is a financial platform that matches borrowers with investors, that will lend money on the platform in exchange of interests on loans. Esketit is based in Riga, Latvia, and was founded in 2020.
They currently have around 3,000 investors, with 57M Euros worth of loans already funded on the platform.
They are a relatively new platform, however what makes them different from other platforms in the field is that they were actually created by Creamfinance, which is a large and well known lending company. This gives Esketit a good track record as well. They also promise full transparency on all their numbers, which is of course something we'll verify in this review as well.
What Returns Can You Expect?
Real returns based on my investing experience
Esketit currently advertises returns of 13.35% on average, putting it on the top of similar platforms in the field in terms of returns. That's of course something I'll verify as well while investing on the platform.
Having been an investor on Esketit since 2022, it is too early to talk about my own average returns over time, but so far everything went smooth on the platform and I should be getting an average of 13% yield by investing on the platform.
Investment Options on Esketit
Esketit offers multiple ways to invest on their platform, giving you flexibility to match your investment style
Primary Market
Invest directly in new loans as they become available on the platform
Secondary Market
Buy already funded loans from other investors for good opportunities or quick liquidity
Auto-Invest
Completely automate your investments with customizable strategies or pre-made templates
The auto-invest feature is highly recommended for hands-off investing. With over 1,000+ loans matching typical criteria, there's plenty of diversification available.
Is Esketit Safe?
Key safety features and regulatory compliance
Buyback Obligation
All loans are covered by a buyback obligation, protecting your investment in case of defaults
Skin in the Game
Esketit invests in their own loans, supporting their loan originators and aligning interests with investors
Full Transparency
Complete statistics page with all details about loan originators and loans available publicly
Creamfinance Backing
Backed by Creamfinance with no money lost for investors since 2012
🛡️ Risks & Guarantees on Esketit
On Esketit, all loans are covered by a buyback obligation, which is now pretty standard in the field of P2P lending but is already a good point for the platform.
They also have skin in the game on all loans present on the platform as they are both a platform and the loan originators for the loans. This means that they actually invest in their own loans, which means they are basically supporting their own loans originators via Esketit, making it a more reliable platform.
As I mentioned earlier, they are also providing full transparency on their platform. This is indeed something I could see on the platform, with a very clear statistics page, as well as all details you could need about their loan originators & loans that are offered on the platform.
🏢 The Company & The Team
Esketit is a company operating from Riga, Latvia, and their company is registered in Ireland. As for all companies as I invest on, I checked that they are actually registered in that country, and they are.
As I mentioned earlier, they are completely transparent about their numbers and publish them monthly on their statistics page.
They also are completely transparent about their team on their website, with a complete description of the role of each person in the team, which is also something I appreciate seeing on a platform.
I for example checked the profile of their CEO, Vitalijs Zalovs, who has an excellent track record in the field as he spent 6 years working at Mintos, which is another excellent Peer-to-Peer lending platform that I also invest on.
🏦 Loan Originators
I also always like to have a very close look at loan originators that a platform uses, as this is usually where a platform will fall short if anything bad happens like a financial crisis.
The situation with Esketit is quite unique as all their loan originators are affiliated to the Creamfinance group, which is the principal partner of Esketit.
Via Creamfinance, Esketit has currently loan orignators from Czech Republic, Spain, and Mexico, all with a buyback obligation on loans as well as a group guarantee. They also offer loans from Jordan, via a loan originator that is also the property of the founders of Esketit.
They are of course also fully transparent about their loan originators, and it was really easy to find details about them on a page directly accessible from the main page of their site. They not only provide the numbers you see above but also all financial reports about each of the loan originators that you see above.
It's also worth noticing that Creamfinance has an excellent track record with no money lost for investors since 2012, which is very good news for investors on Esketit.
Getting Started on Esketit
Open Account & Get Verified
Create your account and complete the automated identity verification process. This takes only about 5 minutes and is straightforward.
Deposit Funds
Transfer money to your Esketit account via simple bank transfer to start investing in loans and generating interest.
Choose Investment Strategy
Set up auto-invest with pre-made strategies or create your own custom strategy. You can also invest manually via primary or secondary markets.
Activate & Start Earning
Activate your auto-invest strategy and start generating returns. The system will automatically invest your money according to your preferences.
Pros & Cons
✅ Pros
- ✓High average returns of 13.35%
- ✓All loans covered by buyback obligation
- ✓Backed by Creamfinance with excellent track record since 2012
- ✓Skin in the game - platform invests in its own loans
- ✓Full transparency on statistics and loan originators
- ✓Easy to use auto-invest feature with customizable strategies
- ✓Fast withdrawals (2 days)
- ✓Over 1,000+ loans available matching various criteria
- ✓Experienced team with CEO from Mintos background
- ✓Complete financial reports available for all loan originators
❌ Cons
- ✗Relatively new platform founded in 2020
- ✗Limited to loan originators affiliated with Creamfinance group
- ✗Currently only operates in Czech Republic, Spain, Mexico, and Jordan
My Experience with Esketit
Having been an investor on Esketit since 2022, it is too early to talk about my own average returns over time, but so far everything went smooth on the platform and I should be getting an average of 13% yield by investing on the platform. The withdrawal process was quick with money back in my account within 2 days.