Platform review
PeerBerry Review: My Experience and Risks
Why I include the platform in my lending allocation, how its approach compares with Mintos, and the considerations behind my assessment of its risks.
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What it is in one sentence
PeerBerry is a Lithuanian P2P platform offering short-term consumer loans from the Aventus Group and Gofingo Group — two established lenders operating across Eastern Europe. Yields are ~10%, and the platform has never had a major originator default.
My experience
I've had €8,000 on PeerBerry since 2022. XIRR has averaged 9.8%, with no losses and almost zero drama. It's the boring sibling to Mintos, and I mean that as a compliment.
Pros and cons
What works well
- No major originator defaults to date
- Aventus & Gofingo have buyback + group guarantees
- Clean, fast UI — auto-invest takes 5 minutes to set up
- Loyalty bonus rewards long-term investors
What to consider
- Not regulated as an investment firm (yet)
- Concentrated on two originator groups — not true diversification
- Lower yields than Mintos (10% vs 12%)
- No secondary market — you wait for loans to mature
Should you use it?
As a complement to Mintos, yes. The originator concentration is a risk, but the track record is the cleanest in the European P2P space right now. I keep about 25% of my P2P allocation here.
As your only P2P platform — only if you're highly risk-averse and willing to accept the 2% lower yield as the price of (so far) zero defaults.
Thanks for reading.
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