NEO Finance is the largest P2P lending platform in Lithuania, active since 2015. Company has unlimited electronic money institution license and is supervised by the Bank of Lithuania.

NEO Finance offers investments into personal loans for duration of 12 to 84 months. Interest ranges from 6% to over 20% depending on investment duration and rating of borrower (A+, A, B and C).

Platform has no fees, except 0.29 EUR withdrawal fee. But investor can choose to buy Provision fund service for every single investment (before investing). Provision fund, if service is bought, covers payments to investor if loan recipient is late. So it works as investment insurance and costs 0.23% – 27.54% of the investment sum, depending on borrower rating and loan duration.

If service is not bought and borrower is late in paying, on 60th to 130th day of overdue Neo Finance offers to buy investment from investor with a discount. Platform also has secondary market where investors can sell/buy investments with a markup or discount to/from each other. Auto-invest is available, so investments can be done automatically.

NEO Finance offers 20 EUR bonus for new investors when registered using unique referral link. Investor has to register, open electronic money account and deposit at least 50 EUR. Minimal investment into one loan is 10 EUR, so 50 EUR can be diversified over 5 different loans.

BonusMin. investment to get bonusBonus profit for min. investmentBonus profit for 50 EUR investmentBonus profit for 100 EUR investmentBonus profit for 200 EUR investment
20 EUR50 EUR40%40%20%10%

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