Lendiball Review 2026
A new P2P platform offering up to 16% returns with regulated loan originators and a 30-day buyback guarantee. Here's my complete analysis.
Quick Verdict
Lendiball is best suited for investors who value transparency over complexity and are comfortable with concentration in a single market.
Try LendiballWhat is Lendiball?
I first came across Lendiball while researching alternative investment opportunities in Eastern Europe. The platform stood out with its advertised yields of up to 16% and its focus on regulated loan originators supervised by national central banks.
What is Lendiball?
Lendiball is a European P2P lending platform launched in November 2025, operated by Virtula Group—an Estonian-based fintech company active in non-bank lending since 2012. The platform connects investors with loans from regulated financial institutions in Romania and Moldova.
Their philosophy differs from many competitors: fewer originators, full disclosure, and simple structures investors can understand. Instead of aggressive diversification across dozens of unrelated originators, Lendiball focuses on transparency and close alignment with loan originators.
Expected Returns
The platform advertises returns of up to 16% annually, placing Lendiball among the higher end of the European P2P lending market. Current rates are promotional for early investors and will adapt to market conditions over time.
Available loans are primarily short-term consumer loans, which typically carry higher interest rates due to their nature and the markets they serve.
Loan Originator: Victoria Credit
Founded
2012
Loans Issued
€10M+
Location
Moldova
Regulated
NBM Supervised
Is Lendiball Safe?
Key safety features and regulatory compliance
Buyback Guarantee
If a loan is delayed by more than 30 days, the loan originator repurchases the receivable, returning both principal and accrued interest to the investor.
Regulated Originators
Non-bank lending activity is authorized and supervised by the National Bank of Moldova and National Bank of Romania.
Experienced Team
Virtula Group has been active since 2012. Recently, they sold a subsidiary to Sun Finance Group—a multinational with €4.1B+ in loans issued globally.
Victoria Credit OCN SRL
Transparency & Trust
Getting Started on Lendiball
Create Account
Create your free account on Lendiball
Deposit Funds
Add funds to your investor account
Start Investing
Start earning up to 16% annually
Pros & Cons
✅ Pros
- ✓Up to 16% annual returns
- ✓Regulated loan originators
- ✓30-day buyback guarantee
- ✓Zero investor fees
- ✓12+ years originator history
- ✓Audited financials published
❌ Cons
- ✗New platform (Nov 2025)
- ✗Single active originator
- ✗Concentration risk
- ✗Less familiar market
Final Verdict
Lendiball is best suited for investors who value transparency over complexity and are comfortable with concentration in a single market. The platform openly acknowledges its concentration risk but argues this structure allows for better control, transparency, and faster decision-making.
If you're looking for high yields within a regulated framework and are willing to accept the risks of a new platform, Lendiball could be worth considering as part of a diversified P2P portfolio.