Croatian-relocated P2P with €4.5B+ financed and group buyback guarantees.
PeerBerry is a P2P platform now headquartered in Zagreb and supervised by HANFA under the EU ECSP regime. Since 2017 it has financed roughly €4.5B, providing retail investors with access to consumer loans from the Aventus and Gofingo groups with group-level buyback and a clean mobile app — although Lithuania-heavy originator concentration and occasional app outages have drawn criticism.
Does the platform pay out what it promised?
Do the yields match what was advertised?
Do you get the facts you need — including the bad news?
How much work is it to actually invest?
Is there a human on the other end?
How easily does money go in — and come back out?
Is there enough on offer to build a portfolio?
Each review is matched to every criterion it touches; the tone follows its star rating. Counts are the number of reviews behind a line. Methodology
PeerBerry is a consumer crowdlending platform based in Croatia, supervised by HANFA (Croatia). Investors deposit funds, browse open opportunities and commit capital project-by-project or via automated rules.
Once a project is fully funded, the platform releases capital to the borrower and collects scheduled payments — interest plus principal — which are credited to your investor account. Most European platforms publish a public dashboard with projected and realised cashflows.
Loans on PeerBerry carry a group-level buyback, which steps in if the borrower stops paying. The strength of that protection depends on the financial health of the originator standing behind it — not the platform itself.
The platform advertises target gross yields in the 9–11% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Croatia macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Headline yields are quoted before the value of the group-level buyback. In a normal market this protection has historically smoothed the realised return; in a stressed market its value depends on the originator’s capacity to honour the buyback.
Suited to investors looking for collateralised income with a 6 months horizon, comfortable with project delays, periodic write-downs and the limited liquidity typical of property deals. Minimum ticket from €10. Best used as a complement to a diversified fixed-income allocation, not as a substitute for it.
Capital at risk. Investments on PeerBerry are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Buyback risk. The buyback guarantee is a contractual promise from the loan originator — not from the platform, and not from any government. Multiple originator failures since 2020 have shown the protection can fail in practice.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@peerberry.com — confirm on the platform’s contact page before sending sensitive information.PeerBerry operates under supervision of HANFA (Croatia). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €10. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 11% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — the buyback guarantee from the originator should refund principal plus accrued interest, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from PeerBerry’s own balance sheet, as required by the rules of HANFA (Croatia). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 6 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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Reviews marked “From public sources” were collected from publicly available review pages and are republished here anonymised, without author names or links back to the source. Reviews left on TopLending carry the “Community” badge.
excellent
Comecei a diversificar entre plataformas depois de ter tido tudo num só sítio durante quase um ano. Aprendi da forma mais lenta possível que distribuir dinheiro não é o mesmo que distribuir risco.O PeerBerry tem o buyback dos originadores, funciona bem na prática mas é uma obrigação interna, não jurídica. O Mintos tem MiFID II mas essa proteção cobre os fundos na plataforma, não as positções em empréstimos. O Maclear opera sob jurisdição suíça com colateral real por trás de cada projeto, lógica
todo.bien
It works. I'm only annoyed by the banner that keeps telling me to change the password regularly. Also, with the latest update app my data got deleted and I cannot enable biometrics to login anymore. Unlike other apps, Peerberry always opens Google security & privacy settings. But there's nothing.
why can I not choose United States of America when signing up? I can't even create an account.
berry diversified loan options not available
Je suis très déçu de mon expérience. Depuis juin 2024 (Soi casiment 2 ans) mon argent ne travaillait plus sans que j’en sois informé alors j'avais bien activé le bot. J’ai découvert par moi-même que les taux avaient été fortement revus à la baisse et que ma stratégie automatique restait bloquée simplement parce que je visais encore 11 % Aucune alerte, aucun avertissement par email, rien. Résultat : presque 2 ans d’investissement perdu alors que la plateforme est censée fonctionner automatiquement. Quand on parle d’investissement, un minimum de transparence et de communication proactive est indispensable. De plus, la solution proposée est de descendre à 9 %, un taux trop bas par rapport à ce que la plateforme promettait auparavant. Bref, expérience très décevante : manque de communication, automatisation trompeuse, rendement en chute libre. Je retire mes fonds.
perfect app simple and trusted 👌
not sure
I love this app, it does everything I want and is simple to use. Well done Peerberry.
funciona.bien , a mí me cancelaron un depósito que me había equivocado, en un minuto. sorprendido positivamente.
I had an issue with my 2FA and contacted PeerBerry’s customer service. I was really impressed by how efficient and professional they were. I reached out to the chat on a Sunday, received clear instructions by email the next day, and the issue was resolved smoothly and very quickly. Excellent support — congratulations to the team!