Review of Peerberry

Top 5 Safety
Updated | November 2026

*Independent analysis and review: P2P crowdfunding, yield, security, and default risks.

Yield
Up to 11%
Type
P2P Private Individuals
Risk
(5/10)
Medium
Liquidity
Secondary market
Regulated
No
Country
Croatia

InvantAPPs score

70/100
  • Good
Visit Peerberry

Breakdown by Category

Detailed scores for each area assessed

 0/20 
Significance within its sector
 0/10 
Ease of use and mobile app
 0/10 
Compound interest payable
 0/10 
Welcome bonus and referral bonus
 0/10 
Tax-friendly
 0/10 
Investment liquidity
 0/30 
Returns and fees

Features

Minimum investment:
10,00 €
Regulation:
Unlicensed
Withdrawal fee:
Free
Payment methods:
Instantaneous · SEPA
Type of investor:
Private individual/Business
Suitability test:
No
Geographical exclusions:
-

Platform statistics

Assets under management
132.410.000,00 €
Updated: November 2026
Portfolio health:
Healthy
Loans per day: 92.3%
In moringa/recovery: 7.7%
120769
Investors

9

Years in active service
2017
Founded
Loans financed:
3.609.959.978,00 €
Average interest:
11%
Audited accounts:
Yes

InvantAPPs Portfolio

  • Active Investment
Total portfolio:
85,00 €

TIR:

9.17%
From:
September 2024
My current investment
View My Portfolio
Roll in a wallet:
Security

Security: A regulated platform or one with a long track record in the sector.

Liquidity: A platform where funds can be withdrawn quickly.

Returns: A platform offering high returns but carrying a higher level of risk.

Suggested allocation:
3
-10

%

Percentage of the total recommended portfolio capital.

Dedication:
Bass

Required active management time.

Surveillance:
Long term

Long term = No worries.

Short-term = Something to watch out for.

Active alert = Immediate attention.

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Videos about Peerberry

https://youtu.be/n08oH_4jWZY

Taxation

Withholding tax:
It does not retain
Tax-friendly:
Yes
Model 720:
No
Income Tax Category:
Share capital
Tax certificate:
Yes
▸ PeerBerry does not withhold taxes at source, so you declare the interest yourself. You can download a tax report from your account. Its terms indicate that the payment of taxes is the responsibility of the investor.
Learn more about model 720

Liquidity

Second-hand market:
Manual
Early exit:
Yes
Average loan term:
6-24 months
Time to settle:
Up to 14 days per offer + 2 business days for withdrawal
▸ You can sell your loans on their secondary market without commission. The sale depends on another investor buying them. Their terms only allow selling a loan 180 days after investing, at the outstanding value or at a discount. Each offer is published for 14 days at most; when selling, you relinquish the interest for the current month. You can withdraw the uninvested balance whenever you want; PeerBerry transfers it to your bank within 2 business days at most.

Yield

Stated return:
Up to 11%
Self-investment:
Yes
Payment frequency:
On maturity

Regulation

  • Unregulated
License:
Unlicensed
The platform does not have its own financial authorization nor is it subject to the supervision of a financial authority as an investment platform. There is also no compensation system in case of failure.
▸ PeerBerry is operated by PEERBERRY d.o.o., a Croatian company with registration number 05159121 and registered address in Zagreb. PeerBerry does not have a financial license; its activity is not supervised by a financial regulator. Its conditions are governed by Croatian law.
Learn more about regulation

Guarantees and risk mitigation

A) Type of guarantee
A company in the same group as the borrower agrees to cover the debt with its own assets if the borrower cannot pay. There is no specific asset involved; it depends on the solvency of the lending company.
  • Corporate guarantee
▸ If a loan is delayed for more than 60 days, the originator must repurchase it. It is an obligation of the originator, not of PeerBerry, and depends on their solvency. According to PeerBerry, Aventus Group and Gofingo Group, their main partners, have signed cross-guarantees: if an originator from their group becomes insolvent, the other companies assume their obligations. buyback and the guarantee may be affected by force majeure. The capital is not guaranteed.
B) Stress scenario
▸ Your uninvested funds are kept separate from those of the platform. According to their terms, if PeerBerry becomes insolvent, no new purchases are signed, the available balance is paid to you, and your loans remain valid with the originators. PeerBerry commits to finding a third party to assume the administration of the loans and to preserve your transaction history.
▸ If a originator of Aventus or Gofingo is unable to repurchase, the cross-collateralization of their group is designed to cover their obligations. If the problem affects the entire group, the buyback and the collateralization depend on the same solvency. Their terms indicate that PeerBerry is not responsible for the default, so what is not recovered reduces the value of your investment.
C) Additional guarantees

The originator undertakes to buy back the loan from you if the borrower is more than X days in arrears, repaying you the principal and interest. This is subject to the originator remaining solvent.

Buyback

Yes
(60 days)
Originator

A financial buffer that the platform sets aside from its own commission to cover defaults before they affect you. Its effectiveness depends on its actual size relative to the total amount lent.

Reserve fund

No

The originator invests a portion of its own capital in the same loan or portfolio alongside the investors, thereby aligning its interests with those of the investors in ensuring that the loan is repaid in full.

Skin in the game

No

Your uninvested money is held in an account separate from the company’s balance sheet, at a bank or regulated payment institution. If the platform goes bankrupt, that money is not included in the distribution to its creditors.

Segregation of accounts

Yes
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InvantAPPs Summary

What is Peerberry?

PeerBerry is a lending marketplace founded in 2017, based in Croatia. You invest in consumer, leasing, real estate, and corporate loans granted by originators from various countries. All loans carry the originator’s buyback at 60 days of delay. PeerBerry has no financial license; its activity is not supervised by a financial regulator. On our scale, PeerBerry has a moderate risk.

https://youtu.be/n08oH_4jWZY

PeerBerry is a lending marketplace based in Croatia. It buys parts of consumer loans, leases, real estate, and from companies that grant their originators; in practice, it buys the right to collect them. Depending on the type of loan, you collect it on maturity or every month.

If a loan is delayed for more than 60 days, the originator must repurchase it. It is an obligation of the originator, not of PeerBerry, and depends on their solvency. According to PeerBerry, Aventus Group and Gofingo Group, their main partners, have signed cross-guarantees: if an originator in their group becomes insolvent, the other companies assume their obligations. The buyback and that guarantee may be affected by force majeure.

PeerBerry has no financial license; its activity is not supervised by a financial regulator. There is no investor compensation system. Your uninvested funds are kept separate from those of the platform. Its terms and conditions are governed by Croatian law.

You can sell your loans on its secondary market without commission. The sale depends on another investor buying them. Its terms only allow selling a loan 180 days after investing, at the outstanding value or at a discount.

The main risk is concentration: buy-back and cross-guarantee depend primarily on the solvency of their two main partners, Aventus Group and Gofingo Group. Sharing among the originators of these groups diversifies by country and by type of loan, but not by group.

Withdrawal of funds is free. PeerBerry does not withhold taxes at source, so you declare the interest in Spain yourself.

We started investing in PeerBerry in 2024. In our scale, PeerBerry has moderate risk. Its strength is the combination of buyback, group guarantee, and secondary market. Without financial license or compensation, we keep it as a complementary position and not as the core of the portfolio.

Key points

Originator buyback at 60 days' delay on all loans.
Secondary market with no commission for selling loans to other investors.
No financial license or investor compensation system.
Protection depends primarily on the solvency of its two main partners, Aventus Group and Gofingo Group.
Consumer loans, leasing, real estate and corporate loans with different terms and payment schedules depending on the type.

Pros and cons

All loans carry a originator buyback at 60 days of delay.
According to PeerBerry, the cross-guarantee between Aventus Group and Gofingo Group is designed to cover an insolvent originator in its group.
You can sell your loans on the secondary market without commission.
You can start with small amounts for loans and automate your investment with Auto-Invest.
It does not have a financial license and there is no system of compensation for investors.
The buyback and cross-guarantee depend primarily on the solvency of their two main partners, Aventus Group and Gofingo Group.
You can only sell a loan on the secondary market 180 days after you invest.

Experience and social proof

Trustpilot

265 Reviews
3.6/5
See Review

ScamAdviser

0%
Trust score: 100/100
View Analysis
Updated: November 2026

Social media activity

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

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Frequently Asked Questions

Is PeerBerry safe?

PeerBerry does not have financial license; its activity is not supervised by a financial regulator. There is no investor compensation system. Its protection is based on the originator’s buyback and the cross-guarantee of Aventus Group and Gofingo Group. In our scale, PeerBerry has a moderate risk.

How much should I invest in PeerBerry?

We recommend allocating between 3% and 10% of your crowdlending portfolio as a safety position. With small loan amounts, you can split it among originators, loan types, and terms.

How to declare the interests of PeerBerry in the IRPF?

Interest is taxed as capital gains in the basis of the IRPF savings, with progressive rates depending on the bracket. PeerBerry does not withhold taxes at source, so you declare the interest yourself. You can download a tax report from your account. If the 720 model applies to you, consult an advisor.

What happens if PeerBerry closes?

Your uninvested funds are kept separate from those of the platform. According to their terms, if PeerBerry becomes insolvent, no new purchases are signed, the available balance is paid to you, and the loans remain valid with the originators. PeerBerry commits to finding a third party to assume its management.

How does the secondary market of PeerBerry work?

You can only sell a loan 180 days after investing, at the outstanding value or at a discount. The offer is published 14 days at most and you can repeat it. When selling, you transfer the interest of the current month; according to PeerBerry, the loan retains the buyback and group guarantee.

How does the PeerBerry group warranty work?

According to PeerBerry, Aventus Group and Gofingo Group, their main partners, have signed cross-guarantees: if a founder of their group becomes insolvent, the other companies assume their obligations. It functions as a backstop for the buyback, not as a guarantee from PeerBerry.

Contact and support

Email: info@peerberry.com
Phone: +370 613 555 29
  • High accessibility
They provide service in Spanish:
Yes
Live chat:
Yes
Telegram:
Yes
Response time:
1–24 hours
Official FAQ:
See the FAQs

Corporate identity

Legal name:
PEERBERRY d.o.o.
Country of registration:
Croatia
Registration code:
05159121
Registered office:
Business Centre SKY OFFICE, 20th floor of Tower B, Roberta Frangeša Mihanovića 9, 10000 Zagreb, Croatia
Work email:
info@peerberry.com

Regulation and equipment

Licence type:
Unlicensed
Management team
CEO
Arūnas Lekavičius
Chief Marketing & Communications Officer
Rita Simanavičiūtė
CTO
Viktar Kamiahin
Verified profiles:
Profiles that have not been publicly verified
  • 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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