Viainvest Review 2025
A Safe Platform with Great Returns
My experience after 2+ years of investing
My Quick Verdict
After 2+ years of investing on Viainvest with consistent 11.83% returns, I consider it one of the most reliable P2P platforms in Europe. The buyback guarantee, investment broker license application, and backing from the established VIA SMS Group make it an excellent choice for investors seeking stable returns. The platform is easy to use and withdrawals are fast.
Try Viainvest FreeWhat is Viainvest?
Viainvest is a typical Peer-to-Peer lending platform based in Latvia, mainly focused on short-term loans and credit lines for consumers. It currently proposes loans in Spain, Latvia, Czech Republic, Poland, Sweden, and Romania.
The yields on the loans are up to 12%, with an average of around 11% from what I am seeing on the platform. They also have a buyback guarantee on most loans, which is pretty neat.
I first noticed this platform via reading reports about the loan volumes of Peer-to-Peer lending platforms in Europe, and I noticed this platform was growing really fast month after month. Therefore, I decided to try it for myself.
Viainvest platform interface showing available investments
Pre-funded Loans
All the loans proposed on the platform are already pre-funded, meaning that you will never have money 'sitting' in a loan and then returned to you because not enough investors wanted to fund this particular loan. This is a great feature that ensures your money is always working for you.
What Returns Can You Expect?
Real returns based on my 2+ years of investing
Most loans on the platform have returns around 11-12%, and the platform currently advertises an average return for investors which is also in this range. After exporting my data to TrackInvest, I confirmed my actual yield is 11.83%, which is really close to what the platform advertises. After more than 2 years of investing, I can definitely say I am satisfied with Viainvest.
Is Viainvest Safe?
I evaluate platforms on three key areas: what guarantees they offer, the company & team, and the loan originators
Buyback Guarantee
Most loans on the platform come with a buyback guarantee, protecting your investment if borrowers default.
Investment Broker License
Viainvest has applied for an investment broker license, meaning strict rules to protect investor funds.
Pre-funded Loans
All loans are pre-funded, so your money never sits idle waiting for other investors to fund a loan.
VIA SMS Group Backing
Part of the VIA SMS group, a large European financial services company operating since 2010.
Buyback guarantee indicator on Viainvest loans
The Company & Team
Viainvest has applied for an investment broker license, meaning they will have to adhere to very strict rules to ensure investor funds are protected. This is a very positive sign.
I also checked who is on their team, and they are very transparent about it on their website. Their CEO, Eduards Lapkovskis, has been also the CEO of the VIA SMS group since 2010, which is a very large company across Europe specialized in financial services.
Loan Originators
Viainvest works with several loan originators, most of them being in the same group as Viainvest itself. This ensures they have much better control over their loan originators as they are part of the same entity. They currently have over 7 loan originators across Europe.
How to Start Investing on Viainvest
Open & Verify Account
Opening an account is pretty straightforward—it was done in less than 5 minutes for me. You'll need to verify your identity before making withdrawals.
Deposit Funds
Transfer money via typical bank transfer. I transferred money and it took less than a day to receive the funds on the platform, ready to invest.
Browse Investments
From the investments menu, find all available loans on the platform. Most loans yield 10-12% and are either credit lines or short-term loans with buyback guarantee.
Set Up Auto-Invest
Use the auto-invest function to completely automate your investments. I went for a custom strategy and it took less than 5 minutes to set up—your investments will be completely automated.
List of available investments with buyback guarantee indicator
Auto-Invest Function
Of course, the goal is not to invest in loans one by one, but to use the auto-invest function in order to completely automate your investments on the platform. The auto-invest function on Viainvest is really easy to setup.
Auto-invest configuration screen on Viainvest
Note About Taxes
Compared to other platforms, Viainvest handles taxes right inside the platform by applying withholding taxes directly from the interests gained. You can ask them to remove those taxes by submitting a tax statement from your current country of residence. The taxes are around 19-20%, so if you live in a low-tax country, it makes sense to send the documentation.
Pros & Cons
Pros
- Buyback guarantee on most loans
- Applied for investment broker license
- Pre-funded loans - no idle cash
- Part of established VIA SMS Group
- Consistent 11-12% returns
- Easy-to-use auto-invest feature
- Multiple loan originators across Europe
- Fast withdrawals (2 days)
Cons
- Business loans don't have buyback guarantee
- Withholding taxes applied directly
- Limited to short-term consumer loans
- Smaller platform compared to Mintos
My Current Results
As for all platforms I review, I exported the raw data from Viainvest into TrackInvest to see if it matches with the results given by the platform. TrackInvest gives me an actual yield around 11.83%, which is really close to the expected yield. After more than 2 years of investing on the platform, I can definitely say I am still very satisfied with Viainvest.
Final Verdict
Viainvest is a solid P2P lending platform that delivers on its promises. With consistent 11-12% returns, buyback guarantees, and the backing of the established VIA SMS Group, it's an excellent choice for investors seeking reliable passive income. The platform is easy to use, withdrawals are fast, and they're taking steps toward full regulatory compliance with their investment broker license application.