Kviku Finance Review 2025: a Safe & Full Automated P2P Lending Platform
A comprehensive review of Kviku Finance P2P lending platform with automated investing
Quick Verdict
Kviku Finance is a solid P2P lending platform backed by the established Kviku Group (founded 2013). With up to 12% annual returns, full buyback guarantee, and group guarantee protection, it offers a safe automated investing experience across 6 countries.
Try Kviku FinanceWhat is Kviku Finance?
As for all Peer-to-Peer lending platforms, Kviku Finance is a financial platform that allows investors to invest in loans along with other investors, in exchange of interests payments over time. Kviku Finance is a relatively new platform, however they are part of the much larger Kviku Group which was established in 2013, so this is actually a platform with quite a long track record in the field.
What I really like about this platform is precisely that they are part of a much larger group and not just a brand new platform that was created out of the blue. This guarantees a much safer environment for investors, as everything they do is backed by the parent company Kviku Group.
They currently already financed over 100 million Euros of loans since they started the platform, and are operating in 6 countries.
What Returns Can You Expect?
Real returns based on my investing experience
The returns you can expect on Kviku depends on which projects you invest in, which I will tell you more about when we'll see how to use the platform. Currently, with loans listed on the platform you can get up to 12% annual returns, and they advertise an average annual return of 12% for investors. This is great as most similar platforms are usually in 10-11% range in term of returns.
Getting Started with Kviku
It is actually really easy to get started with Kviku and have your money start generating interests on the platform.
Quick Verification
Account opening and ID verification completed in under 5 minutes
Auto-Invest Function
Fully automated investing with customizable parameters - over 3000 loans available
Fast Withdrawals
Money back in your account in just 2 days
The auto-invest function is highly recommended for hands-off investing. Set minimum investment amounts and interest rate thresholds to automatically diversify across thousands of loans.
Is Kviku Finance Safe?
Key safety features and regulatory compliance
Buyback Guarantee
All projects on the platform are covered by a buyback guarantee. If a borrower doesn't pay back, the loan originator will buy back the loan and return money to investors.
Group Guarantee
Additional protection managed by Kviku Group. If a loan originator fails to fulfill buyback obligations, the Kviku Group will step in and return money to investors.
Registered Company
Company is officially registered in Cyprus and part of the established Kviku Group founded in 2013.
Instant Payments
No pending payments - all loan repayments are instantly available on investor accounts due to centralized management.
🔒 Risks & Guarantees
On Kviku Finance, all projects present on the platform are covered by a buyback guarantee, meaning that in case a borrower doesn't pay back, the loan originator will buy back the loan and give the money back to the investors. This is now pretty standard on most P2P lending platforms, but it is nice to see it here as well.
On top of that, there is also what they call a group guarantee, that is directly managed by the Kviku group. This means that if a loan originators fails to fulfil their obligation for the buyback guarantee, the Kviku group will do it instead and give the money back to investors. This is an extra layer of safety for the money of the investors.
👥 The Company & Team
The company behind Kviku Finance is registered in Cyprus, and as for all platforms I add to my portfolio I checked if the company was officially registered in Cyprus, and it is indeed. Whereas I would have liked some more transparency about their team on their website, it was very easy to find more information about them on LinkedIn.
For example, I checked the profile of the CEO & founder of the whole Kviku group, Nikita Lomakin. I found out that he has a long track track in the finance space before he started the Kviku group, having worked for example for Morgan Stanley for 3 years.
🌍 Loan Originators
On Kviku Finance, all the loan originators are within the same group, which adds more control over them and is definitely good for investors. They are nevertheless quite geographically diversified, as they have loan originators in Spain, Poland, Ukraine and the Phillipines.
Also note that because all the loan originators are managed within the same financial company (the Kviku group), there are no pending payments on Kviku finance: all loans repayments are instantly available on the investors accounts.
Getting Started on Kviku Finance
Open and Verify Account
Sign up for an account on Kviku Finance and complete the ID verification process. This typically takes under 5 minutes to complete.
Deposit Funds
Transfer money to your Kviku account via bank transfer. The process is straightforward and funds are available quickly.
Configure Auto-Invest
Set up the auto-invest function with your preferred parameters. Recommended settings: minimum investment per loan, interest rates above 10%.
Start Earning
Once auto-invest is activated, your money will automatically be invested in suitable loans and start generating returns. Monitor your portfolio from the dashboard.
Pros & Cons
✅ Pros
- ✓Part of established Kviku Group (since 2013)
- ✓Up to 12% annual returns
- ✓Full buyback guarantee on all loans
- ✓Additional group guarantee protection
- ✓Fully automated investing available
- ✓Instant loan repayments (no pending payments)
- ✓Operating in 6 countries
- ✓Fast verification process (under 5 minutes)
- ✓Quick withdrawals (2 days)
- ✓Over €100 million in loans financed
❌ Cons
- ✗Relatively new platform (compared to parent company)
- ✗Limited team transparency on website
- ✗All loan originators within same group (less diversification)
My Investment Results
I activated the auto-invest function on Kviku back in 2021 and it should give me returns of around 10% annually. It is of course too early to talk about long-term yields on the platform, but I can say that so far everything went smoothly and I will definitely invest more on the platform in the future.