Today I looked for Viventor reviews published or updated withing the last six months. I was only interested in those of them that gave a final score (it was always a system of five stars, with five meaning highest score). I also looked for opinions at portals, such as Trustpilot. With that I calculated an overall score for Viventor, which turned out to be 3.8 out of 5.0. Below, I’m showing details for that simple calculation, some basic data about this P2P lending platform as well as any other information I believe you should know before deciding to invest.


Viventor: key facts

  • Webpage:
  • Established: 2015
  • Country: Latvia
  • Buyback Guarantee: available for all loans
  • Auto-invest and manual investing available
  • Secondary market: available
  • Loan categories: consumer loans, business loans, real estate, leasing
  • Average annual investment return: 13.6%
  • Amount of funded loans: over 136 million EUR
  • Investors: ca. 7500
  • Currency: EUR
  • Regulation: not financially regulated but is under the commercial legislation acts of the Republic of Latvia



Methodology and Results

I was looking for sources of data by googling “Viventor review”, “Viventor Erfahrungen” etc. I did the search in English, German, Spanish and Italian. From a list of found reviews I only kept those published or updated in the last six months and providing an overall score for the platform. In this way I got six reviews and scores from three portals with people’s opinions. Here are the details.


1. P2P Empire (

  • Overall score: 3.0
  • Risk vs return score = 3.0
  • Date: Sept 2020


 2. Alternative Investments (

  • Overall score: 3.0
  • Date: June 2020


 3. Jean Galea (

  • Overall score: 4.3 
  • Date: July 2020


 4. p2plendingsites (

  • Overall score: 4.25 (this is mean value of four scores provided by author)
  • Risk/Reward Score = 4.0
  • Date: March 2020


 5. The Obvious Investor (

  • Overall score: 3.4
  • Overall safety score = 3.0
  • Date: Sept 2020


 6. MyFinTachInvestments (

  • Overall score: 4.9
  • Date: June 2020


Based on those reviews, mean overall score is 3.81


Opinions from portals

 1. Trustpilot (

  • 22 opinions, score: 3.3

 2. Facebook (

  • 11 opinions, score: 4.6

 3. finanzfluss (

  • 3 opinions, score: 4.4


Weighted average (accounting for the number of people who voted in each poll): (3.3 * 22 + 4.6 * 11 + 4.4 * 3) / (22 + 11 + 3) = 3.79

The final Viventor Score is a mean value of “mean overall score” from reviews and “weighted average” from portals:

Viventor Score = 3.80



Complementary information

How Viventor (and some other platforms, by the way) deals with COVID-19 crisis:

Social  media

Viventor has active accounts at social media with a couple of posts per month:


Contact with customers

Based on my own experience, Viventor is sending out a couple of emails monthly. As expected, recently they are mostly aimed to provide updates on loan originators.


Viventor on the news

June 2020:  Dutch FinTech Investor Acquires ViVentor Peer to Peer Investment Platform (I find the timing quite infortunate; it lowers my overall trust in Viventor. More on this:


Do I invest with Viventor?

Viventor is part of my P2P lending portfolio.


Reviews that were not taken into account:

Just found (Sept 20th) another Viventor review from June 2020 that gives the platform 4.9 out of 5.0… (

Other reviews:

  1. (very nice)
  12. (Spanish)
  13. (German) (German)
  14. (German)
  15. (German)


Thank you for your attention,

Michal, the Investing Scientist



  • What you see here is my personal opinion and should not be treated as investing advice
  • I’m investing with Viventor
  • The post contains no affiliate links; no promotional content
  • P2P lending is not for everyone: one gets relatively high yields but at high risk. If you decide to invest in P2P market, I’d suggest to keep P2P allocation at max. 10%-20% of your investment portfolio