NEO Finance Review

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NEO Finance Review

Investors (09.2019) Investments (09.2019) Founded Country
kuetzal investors+8’000 kuetzal investments+38 M EUR kuetzal founded2015 lithuania flagLithuania
NEO Finance is the largest crowdlending platform in Lithuania. Through this crowdlending platform, investors can invest in Consumer loans from Lithuanian borrowers with a minimum investment size starting from €10. The interest rates have an average of 12% ROI per year, like the majority of the crowdlending platforms in Europe, but you can find investments ranging from 6% to 27% with different profiles of risk.

neo finance average interest rate

On the safety side, NEO Finance is trying her best to provide safety factors to her investors:

  • The platform is transparent on her investment defaults statistics (see Statistic section at the bottom of the NEO Finance homepage)
  • It is regulated by the Electronic Money Institution (EMI) license granted by the Bank of Lithuania.
  • Loans investments can be protected by a BuyBack warranty option that they call “NEO Finance Provision fund” that will purchase your default loan
  • If this non-mandatory option is not selected, NEO Finance by default warranty system, pay you back the invested amount of the defaulted loans ranging from 50% to 80% of the initial value based on the loan rating.

Finally, as side information, the platform has been launched leveraging a crowdfunding campaign for startups via the famous crowdfunding website Seedrs.


NEO Finance is a rapidly growing crowdlending platform that, compared to its competitors, provides a higher level of transparency (e.g. loans defaults statistics, financial reports).

The platforms also offer great flexibility in terms of investments where you can choose for e.g.:

  • The loans risks cathegory, with its related lower or higher ROI
  • To take or not a BuyBack guarantee option on your investments

Finnaly, thanks to this flexibility, you can build a portfolio ranging from 6% to extremely high 27%.


Pros & Cons

Pros Cons
+ Highest-interest rates of the market (up to 27%)
+ High transparency in platform statistics
+ Safety fund in constant increase > 300K (=1% of total loans)
+ Minimum investment of €10
+ Detailed borrower information
+ Auto-invest available
+ Secondary market available
+ Bonus of € 25 after first deposit by using the NEO Finance links on this page
– BuyBack guarantee is optional and is not free
– Withdrawals cost € 0.29
– No diversified investments (Consumer loans)
– Investors must be European
– Smaller-sized platform (lower track record)

Investment details

Investment currencies EUR
Return on investment (ROI) 12% rating 3
Minimum investment € 10 rating 4
Investment period 24 – 60 months rating 2
Default rate 0% (BuyBack)
Investment fees 0%
BuyBack guarantee Yes check
Auto-invest Yes check
Secondary market Yes check
Trustpilot Score (Safety) 7.4/10  

Investment types

Personal/consumer loans (microloan, installment loan)

Investment example

Coming soon

Investment result forecast

Below you will find the resulting forecast when investing using NEO Finance compared to investing the same amount in the US stock market (US stock market: 6% average yearly growth in the last 30 years).

By investing €1’000 using NEO Finance for 15 years you might end up with €11’974 (€9’577 more than with the stock market).

Welcome bonus – affiliate/referral link

You can register to NEO Finance by clicking the button below. It will be highly appreciated. Thanks!

start invest bonus

BONUS: € 25 bonus after first investment done

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