Review of Loanch

Top 2 Returns (-90 Days)
Top 7 Returns
Updated | October 2026
Profitability
Up to 16%
Type
P2P Private Individuals
Risk
(4/10)
High
Liquidity
No Liquidity
Regulated
No
Country
Croatia

InvantAPPs score

0/100
  • Excellent
Visit Loanch

Breakdown by Category

Detailed scores for each area assessed

&nbsp0/20&nbsp
Significance within its sector
&nbsp0/10&nbsp
Ease of use and mobile app
&nbsp0/10&nbsp
Compound interest payable
&nbsp0/10&nbsp
Welcome bonus and referral bonus
&nbsp0/10&nbsp
Tax-friendly
&nbsp0/10&nbsp
Investment liquidity
&nbsp0/30&nbsp
Returns and fees

Features

Minimum investment:
10,00 €
Regulation:
Unlicensed
Withdrawal fee:
Free
Payment methods:
Instantaneous · SEPA
Type of investor:
Private individual
Suitability test:
Yes
Geographical exclusions:
Geographic exclusions: Global except USA and Canada (requires bank account in EU/EEA/Switzerland)

Platform statistics

Assets under management
0,00 €
Updated: July 2026
14500
Investors

4

Years in active service
2022
Founded
Loans financed:
228.273.706,00 €
Average interest:
13.7%
Audited accounts:
No
Regulatory licence:
Unlicensed

InvantAPPs Portfolio

  • Active Investment
Total portfolio:
37.235,00 €

TIR:

14.00%
From:
December 2024
My current investment
View My Portfolio
Role in the portfolio:
Profitability
Suggested allocation:
3
-8

%

Dedication:
Bass
Surveillance:
Long term
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Videos about Loanch

https://youtu.be/Oh2Bq1eDXh0
https://youtu.be/tFdoSq84EEU
https://youtu.be/SenKL8gqFP4
https://youtu.be/bCevSueosYc
https://youtu.be/zhpqRkdHPq0
https://youtu.be/julAVpMOl2M
https://youtu.be/LtE5IjDhEtA
https://youtu.be/gc04o6S5pvA

Taxation

Withholding tax:
It does not retain
Tax-friendly:
Yes
Model 720:
No
Income Tax Category:
Share capital
Tax certificate:
Yes
Notes: The platform pays the full amount of interest, and the investor is responsible for declaring and paying tax in their country of residence. The tax certificate is available to download from the user dashboard.

Liquidity

Early exit:
No
Average loan term:
1–6 months
Time to settle:
On maturity
Notes: The platform does not have a secondary market or an early exit option, so investments must be held until maturity. Liquidity is based on the short duration of the loans (the 'Go Short' strategy for up to 32 days and the 'Go Long' strategy for up to 182 days) and on a buyback guarantee that is triggered after 30 days of arrears.

Profitability

Stated return:
Up to 16%
Self-investment:
Yes
Payment frequency:
Monthly

Regulation

  • Unregulated
Competent authority:
Not available
Notes: The platform is not regulated under the ECSP regulations nor does it hold any investment services licences in the EU. In March 2026, it transferred its legal operations from Hungary (RiseTech Kft) to Croatia under the entity PRZEMEK SAVJETOVANJE d.o.o. Although it acts as a regulated entity for the prevention of money laundering in Croatia, it is not subject to direct financial market supervision by HANFA. In January 2026, its payment partner, Quicko sp. z o.o., had its licence revoked by the Polish regulator (KNF).

Guarantees and risk mitigation

A) Type of guarantee
Without security
▸The loans are predominantly consumer loans without physical collateral. The main protection is based on a mandatory buy-back guarantee by the originator in the event of default.
▸N/A
C) Additional guarantees
Yes
(30 days)
Originator
No
Yes
No
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InvantAPPs Summary

What is Loanch?

LOANCH is a P2P lending investment platform that connects investors with short-term consumer microloans in emerging markets such as Malaysia, and stands out for its strict 30-day buy-back guarantee. Operating since 2022 with a minimum investment of just €10, it offers annual returns of between 13.6% and 16% through its Auto-Invest feature. Although it is unregulated, we believe it is worth taking the risk to invest in Loanch, following its recent operational restructuring.

https://youtu.be/Oh2Bq1eDXh0

At InvantAPPs, we believe that investing in Loanch is currently one of the most profitable strategies, but also one of the most speculative and high-risk within our crowdlending radar. We do not wish to be lukewarm in our analysis: the platform has just emerged from an extremely critical operational situation that has shifted market sentiment. In early 2026, its main payment provider in Poland, Quicko, lost its regulatory licence, freezing deposits and withdrawals for three agonising months. Rumours of a scam or Ponzi scheme abounded across social media channels and online communities. However, our stance was always clear: keep a cool head, face up to the situation and let the work continue. The management of the P2P platform responded by implementing a comprehensive migration to Multipass as its primary payment gateway (adding redundancy for the future) and by changing its legal jurisdiction from Hungary to Croatia.

From the perspective of our own portfolio, risk management on this platform has been extremely dynamic. We managed peaks of €26,579 invested, taking advantage of aggressive cashback campaigns for 3% and 4% (earning bonuses of up to €465 in one go) and Auto-Invest settings optimised at 15% and 16%.

However, let’s be honest: the current risk profile has become more acute due to a key concentration factor that you need to be aware of if you’re looking for reviews of Loanch. The originator Amana (Indonesia) has withdrawn from the catalogue, leaving Tambadana (Malaysia) as the sole loan-issuing platform available, with around 60,000 active contracts. This means that if Tambadana suffers a mass default or goes bankrupt, the entire structure collapses. Furthermore, following the stabilisation of the payment gateway, interest rates have been adjusted to around 14.5% for both manual and automatic investments (Go Short strategy).

Despite the lack of regulation under the ECSP licence, we regard this ecosystem as a powerful tool for maximising compound interest in the short term. Its 30-day buyback guarantee is amongst the strictest and fastest in the entire global P2P market. If you are prepared to accept the volatility and understand that such a high return always carries a commensurate risk.

Key points

An excellent, ultra-fast 30-day buyback guarantee – the most stringent in the sector.
High concentration risk due to reliance solely on a single active originator (Tambadana in Malaysia).
Reestructuración completada con éxito tras migrar hacia Multipass y cambiar la sede legal a Croacia. [positivo] Rendimientos muy competitivas a corto plazo para invertir en Loanch (entre 13.6% y 16.0% anual).
Operational issues with transfers due to a Polish IBAN that requires the currency to be in EUR and a mandatory code.

Pros and cons

A buy-back guarantee of just 30 days, halving the usual 60-day standard in the P2P market.
Minimum investment from as little as €10 per loan to maximise compound interest.
Rentabilidad P2P muy competitiva de corto plazo situada entre el 13.6% y el 16.0% anual según campañas., Ausencia total de comisiones por depósitos o retiradas, lo que optimiza el rendimiento neto.
Exclusive loyalty programme that adds up to +0.25% in additional returns if you spend over €5,000.
Extreme concentration risk, as Tambadana remains the sole originator of loans following Amana’s departure.
A lack of European regulation and the absence of direct supervision by HANFA in Croatia.
Zero immediate liquidity prior to maturity due to the complete absence of a structured secondary market.
Operational difficulties arising from the use of a Polish IBAN, which requires transfers to be made in EUR and a 6-digit identifier code.

Experience and social proof

Trustpilot

10 Reviews
3.1/5
See Review

ScamAdviser

0%
Trust score: 36/100
View Analysis
Updated: July 2026

Social media activity

🟡 Not very active
🟡 Not very active
🔵 Active
  • YouTube
⚪ No profile
  • Instagram
⚪ No profile
🟡 Not very active

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Risk:
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Regulated:
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Risk:
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Risk:
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Frequently Asked Questions

What happened with Loanch in 2026, and how was it resolved?

Their payment provider, Quicko, lost its licence and temporarily suspended payments. Loanch reacted swiftly by migrating the payment gateway to Multipass, restoring 100% of its functions in April 2026. Here at InvantAPPs, we can confirm that the solution really does work: we were able to withdraw over €20,000 from the platform smoothly and without any issues.

What is the key advantage that sets Loanch apart?

For the InvantAPPs team, the real strength of Loanch lies not in its security, but in its aggressive capital turnover rate. The combination of a short 30-day buyback guarantee, a minimum investment of just 10 euros and an extremely simple Auto-Invest system makes it an ideal tool for generating compound interest at lightning speed. It is specifically designed to make the most of very short-term consumer loans (less than 90 days) and take advantage of powerful cashback campaigns, provided you understand the underlying risk.

Does Loanch have a secondary market?

No, at present Loanch does not have a secondary market. We at InvantAPPs would like to point out that liquidity for your strategy here is not immediate and will depend solely on three factors: the natural expiry of short-term contracts, the turnover of your Auto-Invest settings (you must disable this if you wish to exit), and the originator’s execution of the buyback where applicable. If you need to withdraw your money urgently due to a market rumour, your investment will be locked in until the individual loans mature naturally.

Contact and support

Email: info@loanch.com
  • High accessibility
They provide service in Spanish:
Yes
Live chat:
No
Telegram:
Yes
Response time:
1–3 days
Official FAQ:
See the FAQs

Corporate identity

Legal name:
PRZEMEK SAVJETOVANJE d.o.o.
Country of registration:
Croatia
Registration code:
49535909257
Registered office:
2 Kačićeva Street, 10000 Zagreb, Croatia
Work email:
info@loanch.com

Regulation and equipment

Licence type:
Unlicensed
Management team
CEO
Przemysław Paweł Januszaniec
Managing Director
Petar Brkić
COO
Jakub Cernik
Verified profiles:
Yes
  • The information is taken from public sources and may not be up to date. Always check the official website.

About the author

Antonio Hernández – Founder of InvantApps

Antonio Hernández

Engineer, economist and founder of Invant APPs. I help you achieve financial freedom through smart investing and passive income.

About Me

Legal notice

Investing in crowdlending and crowdfunding involves risks, including the partial or total loss of the capital invested, and past performance is no guarantee of future results. The content on this site is for information purposes only and reflects our personal experience and opinion: it does not constitute financial or tax advice. Some links are affiliate links; the platform pays us a commission, which does not incur any cost to you nor does it influence our analysis.

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