What is PeerBerry?
PeerBerry is a P2P lending platform run from Vilnius, Lithuania, and operating since 2017. Investors contract with PEERBERRY d.o.o., a company registered in Zagreb, Croatia, where PeerBerry moved its registration from Latvia in 2021. Most of its loans come from Aventus Group, an international lending group, and SIB Group, a Lithuanian real-estate developer.
Since I joined PeerBerry in January 2026, the platform has grown. The money outstanding on its loans rose from €114.0 million on 21 January to €160.6 million on 19 October 2026, and short-term consumer loans, the kind my auto-invest plan buys, grew from 8.6% of it to 23.6%, per PeerBerry’s statistics page.
How does PeerBerry work?
PeerBerry sells you claims on loans, which you buy under an assignment agreement from the company that made the loan and keeps collecting it. On the five Aventus Group loans whose agreements I read, that company was Lithuanian, and its borrower was a lending company such as CrediWise in South Africa, which lends the money on to consumers and repays only once its own customers have paid. The listings name the consumer lender as the loan originator, while the agreements give that role to the Lithuanian company, which sells you the claim and owes the buyback.
The claim is yours under PeerBerry’s user agreement, but you give PeerBerry and the loan originator an authority to manage it that you can’t withdraw. A repayment travels from the consumer to the lending company, then to the loan originator, then to PeerBerry and on to your account, and PeerBerry pays you only once the money has reached it. The assignment agreement calls a loan’s repayment date “for informative purposes only”.
Where a loan’s agreement provides one, a buyback obligation makes the loan originator buy your claim back once the loan is more than 60 days late.
Investors pay PeerBerry no fees, and PeerBerry doesn’t publish how it is paid.
What you can invest in
PeerBerry offers one kind of investment, claims on loans, from €10 a loan. On 19 October 2026, real-estate loans made up 51% of the money outstanding, short-term consumer loans 24% and business loans 20%, per PeerBerry’s statistics page. By the terms of PeerBerry’s Auto Invest plans, short-term loans run up to 180 days, long-term, leasing and business loans up to five years, and real-estate loans up to two years.
A claim gives you the right to your part of a loan’s repayments. It isn’t a security, so no prospectus describes it. On the SIB Group and Lithome real-estate loans whose listings I opened, your claim is on a loan to a project company, secured by a pledge of that company’s contracts and receivables, which the loan originator keeps.
What return can you expect on PeerBerry?
While PeerBerry’s homepage shows an average return of 11% a year, my own PeerBerry account earned about 4.1% a year from January to October 2026. PeerBerry calls the 11% its historical average annual investment return, across all its loans and years.
PeerBerry’s coupons hold, because every one of the 87 loans of mine that had ended by October 2026 paid its interest in full. The Short-term plan advertised “from 8.5%” and delivered exactly that, per loan, 8.5% on 22 of the 23 loans I held in August and 10% on one Argentine loan. The gap to my 4.1% is money that waited, since it took seven days to the first loan and about 26% was invested after five weeks.
My uninvested cash was still €591.58 at the end of May, more than half the deposit, and fell to €24.55 by the end of July before rising again to €158.82 by late October. The money was mostly invested from July, and the gap to the coupon began to close from then. PeerBerry’s own net annualised return for my account rose from 3.57% in August to 4.57% in October.
Money on PeerBerry waits uninvested when auto-invest finds no loans its strategy can buy, and PeerBerry’s auto-invest queue gives loyalty-tier investors’ strategies first pick. The loyalty programme adds 0.5% interest from €10,000 of active investments, 0.75% from €25,000 and 1% from €40,000, and it starts only 90 days after registration, so every new account begins at the Basic tier. The advertised experience of a fully invested account describes loyalty-tier investors, who held 91.7% of PeerBerry’s outstanding loans in July 2026, per PeerBerry. My account, with a four-figure deposit, stayed at the Basic tier throughout.
PeerBerry has the seventh-lowest Returns score of the 21 platforms I’ve reviewed, 3.4 out of 5. The score rests on what investors kept last year and this year, not on my own account and not on the risk of losing money, which Is PeerBerry safe? covers.
Returns projection
What might you earn on PeerBerry?
My return a year, Jan–Oct 2026 (4.1%)
€1,223
Coupon rate, fully invested (8.5%)
€1,504
Platinum loyalty tier, from €40,000 invested (9.5%)
€1,574
Projections assume annual compounding at a constant rate. The fully invested scenarios need loans your auto-invest can actually buy, and my own return shows the same coupons diluted by cash drag. Any P2P investment can lose value.
Is PeerBerry safe?
PeerBerry protects your money against a borrower paying late but not against the companies behind its loans failing, and no regulator or compensation scheme stands behind it. The buyback on a late loan is owed by the loan originator, so the protection on show is only as strong as the loan originators and the two business groups that supply most of PeerBerry’s loans. None of my loans had been more than 60 days late by 21 October 2026. On 19 October 2026, PeerBerry’s statistics page showed 6.55% of the money outstanding late by up to 30 days, and the platform publishes no default or loss rate. The risk in the assets you hold remains fully yours.
PeerBerry has the sixth-highest Safety score of the 21 platforms I’ve reviewed, 2.8 out of 5. The score rests mostly on how PeerBerry is built, with no licence, unaudited platform accounts, a buyback owed by the loan originators and nearly half the money with two Lithuanian real-estate developers whose loans carry no group guarantee, and partly on the repayment of the war-affected loans in full. A “group guarantee” that PeerBerry describes and none of its published documents gives you also counts against it.
Is PeerBerry regulated?
No, PeerBerry isn’t regulated by any financial supervisor. PEERBERRY d.o.o. is on neither the EU’s register of crowdfunding service providers nor its register of investment firms as of November 2026, and no compensation scheme covers money invested through it.
In 2021 PeerBerry withdrew its application for a Latvian investment-brokerage licence and moved its registration to Croatia, per its own post of September 2021. The same post said PeerBerry would receive a Lithuanian crowdfunding licence that autumn, and PeerBerry’s own platform held none in November 2026.
Croatia’s central bank and HANFA, its financial services supervisor, warned in July 2024 that they don’t supervise online platforms selling claims on loans, and that no Croatian scheme protects money invested through them. What you’re buying is the loan originators’ track record, not a legal framework.
What happens if PeerBerry fails?
Your claims on PeerBerry stay yours if PeerBerry itself fails, because they’re assigned to you and PeerBerry’s user agreement says its insolvency “shall not affect” your legal relations with the loan originator and the borrower. The agreement says PeerBerry will take steps for a third party to take over managing your claims, and it names none.
Your uninvested cash is less safe than your claims. The terms say it remains your property and doesn’t appear in PeerBerry’s financial statements, but your deposits go to an account in PeerBerry’s own name at Paysera, a Lithuanian e-money institution. The platform’s annual reports for 2021 to 2025 carry the money passing through as short-term liabilities, net obligations to investors, €13.2 million at the end of 2024 and €3.3 million at the end of 2025. Getting your cash back from a failed PeerBerry could depend on a Croatian court accepting its terms over its own accounts.
In 2025 PeerBerry itself made an operating loss of €193,705 on revenue of €2.25 million, and ended the year €14,896 in profit only through its financial income, per its 2025 annual report. It reported no employees on average and one part-time employee, its share capital is €2,640, and none of its five published annual reports carries an auditor’s report.
Loan originators
PeerBerry’s originator pages showed 35 loan originators with money outstanding on 19 October 2026. Aventus Group companies accounted for about half of the money outstanding and SIB Group, a Lithuanian real-estate developer, for about a third, per PeerBerry’s statistics. With Lithome, another Lithuanian developer, those two real-estate loan originators held 45%. No PeerBerry contract requires a loan originator to keep any share of the loans it sells. The war-affected repayments came from Aventus and Gofingo, so that record is evidence about those two groups, not about SIB Group’s and Lithome’s real-estate loans.
My money went mostly to Aventus Group’s newer markets. From January to October 2026, 88% of what my plan invested went to South African short-term lenders, CrediWise and Prime Loans ZA above all. On 19 October 2026, 28% of CrediWise’s and of Prime Loans ZA’s loans by amount were late by up to 30 days, against 6.55% across PeerBerry, per PeerBerry’s statistics. Listings clearly state guarantee coverage — genuinely well done — and PeerBerry links financial statements on 25 of the 35 loan originators’ pages, but on none of those that took 91% of the money in my finished loans, CrediWise, Prime Loans ZA, Jabulani Money, TuParcero and Prestamo365.
Aventus Group reports its group-wide results, including a net profit of €95.7 million for 2025, without an audit statement or the name of the company reporting them, so the group as a whole can’t be checked independently.
The real-estate loans on PeerBerry rest on thinner security than the word suggests. The platform’s own strategy table gives SIB Group’s and Lithome’s real-estate loans a buyback but no group guarantee. Their listings show a loan-to-value ratio against a property valuation, yet the collateral they name is a pledge of the borrower company’s contracts and receivables, not a mortgage on the building, and the assignment agreement leaves that security with the loan originator, which decides whether to enforce it. One SIB listing I opened in October 2026 names a different borrower on the loan page than in its contract, and Lithome’s own unaudited 2025 statements, hosted by PeerBerry, show negative equity. SI Baltic, SIB Group’s largest company and PeerBerry’s largest single loan originator, reported equity of €0.67 million against €39.4 million of assets at the end of 2025, per its statements.
Buyback obligation
PeerBerry’s buyback obligation, often marketed as a buyback guarantee, protects you only as long as the loan originator behind it can pay. Under the assignment agreement, where a loan’s terms provide a buyback, the loan originator must buy your claim back once the loan is more than 60 days late, for the principal still owed plus the interest earned until then. The buyback sits in that agreement and not in PeerBerry’s user agreement, which says PeerBerry and the loan originator don’t have to repay you the price you paid for a claim.
The five Aventus Group loan agreements I read in August 2026 name one of three Lithuanian companies, Aldega, DN Invest or Lineura, as the loan originator. Their 2024 filings in the Lithuanian register show equity of €23.9 million at Aldega, €9.0 million at DN Invest and €1.9 million at Lineura.
My account held 23 loans on 15 August 2026. The buyback guarantee sits at 60 days, and all 23 of my loans carry it. All 87 of my loans that had ended by 21 October 2026 were settled in my statement as buybacks, after 11 to 54 days, though none was more than 60 days late. A buyback in a PeerBerry statement shows how a loan ended, not that it went wrong.
The “group guarantee” PeerBerry describes is stronger than the agreements behind it. PeerBerry’s help centre says that if a loan originator becomes insolvent, “other Aventus Group and Gofingo Group companies will cover all the liabilities of this company on purpose to protect investors’ investments”. The guarantee memoranda PeerBerry publishes for Aventus Group and Gofingo Group name group companies and business partners as the parties owed, not investors, and bind only once the groups’ owner issues a binding decision. The same help article says the buyback and the group guarantee “may be affected in case of a force majeure event”. A guarantee that the marketing extends to investors and the agreements don’t counts against PeerBerry’s Safety score.
Defaults and recovery
None of my loan originators on PeerBerry has failed. None of my loans was more than 30 days late at either of my checks, so the buyback of a late loan is untested in my account. On 15 August 2026, 28.9% of my portfolio was running late, €101.79 by 1–15 days and €186.93 by 16–30 days, and by 21 October the late share had eased to 18.75%, with one Prime Loans ZA loan 22 days late. That’s the texture of bullet-repayment consumer loans: nothing pays until maturity, and maturity often slips.
PeerBerry’s reputation rests on one episode. When the 2022 invasion of Ukraine froze PeerBerry’s Ukrainian and Russian loans, the Aventus Group and Gofingo Group companies behind them committed to repaying investors anyway, and repaid them in full, €51.4 million including accrued interest, with the last repayment processed on 16 December 2024, per PeerBerry. The war-affected repayment record is the best available evidence that those two groups’ companies honor obligations under far worse conditions than a late payday loan.
No default rate, net loss or buyback volume appears in PeerBerry’s publications as of October 2026. Its statistics page shows how much is late, 5.23% of the money outstanding by up to 15 days and 1.32% by 16 to 30 days on 19 October 2026, and says “there have never been defaulted loans in PeerBerry’s history”, a record that counts loans repaid almost three years after the invasion as never defaulted.
Conflicts of interest
PeerBerry has at least five conflicts of interest with its investors, set out in its terms and its accounts.
- PeerBerry can change its terms by publishing them. Its user agreement promises 10 days’ notice of changes, but since January 2026 it has also said that changes take effect once published. Four weeks after opening its secondary market in January 2026, PeerBerry published a new version that lets you sell a claim there only 180 days after buying it. You can close your account only once you hold no claims.
- PeerBerry changes your Auto Invest plan without asking you. Its plans “are updated automatically when interest rates change, a new loan originator joins the platform, or some loan originator is removed”, and my Short-term plan showed a last change on 28 September 2026 that I didn’t make.
- PeerBerry can lend to a loan originator so that its payments to you keep arriving. The assignment agreement lets PeerBerry, or a company it names, give a loan originator a credit facility to pass on borrowers’ payments, which can hide a loan originator’s shortage of money from you.
- PeerBerry pays you no interest on uninvested cash, while it has earned interest on placements larger than its own equity. Its terms say no interest accrues to you on money kept in your PeerBerry account. Its 2024 accounts show €290,879 of financial income in a year that ended with €9.64 million in term deposits at AB Mano bankas, a Lithuanian bank, against €1.94 million of its own equity.
- PeerBerry doesn’t publish who pays it. Investors pay it no fees, and its 2025 accounts show €2.23 million of sales revenue with no payer named, which points to the loan originators, under cooperation agreements that aren’t public.
How do you use PeerBerry?
You use PeerBerry in four steps, from signing up to choosing how your money is invested.
- Create your account on PeerBerry’s website.
- Verify your identity.
- Add money by SEPA bank transfer, the only way to deposit.
- Choose how your money is invested, through one of PeerBerry’s three ready-made Auto Invest plans, your own strategy or loans you pick by hand.
PeerBerry is tied for the fifth-highest Usability score of the 21 platforms I’ve reviewed, 3.5 out of 5. The score rests on PeerBerry’s ready-made Auto Invest plans and own-strategy filters, and on the account summary, the Tax Statements tab and the spreadsheet exports in your account.
Opening an account
PeerBerry has you verify your identity after you create your account, per its help centre. I registered on 20 January 2026, the date my account’s settings give for my contract with PeerBerry.
Deposits
Depositing on PeerBerry is free by SEPA bank transfer, the only way to add money. The transfer goes to PeerBerry’s account at Paysera, and PeerBerry’s deposit page says it arrives within two working days. My €1,000, sent on the evening of 20 January 2026, was in my account 11 hours and 42 minutes later, in full.
Auto-invest
PeerBerry has two kinds of auto-invest, its three ready-made Auto Invest plans and your own strategy.
| Way of investing | Who picks the loans | Limit per loan originator | Getting out before maturity |
|---|
| Ready-made plan | PeerBerry, from every loan originator that offers the plan’s loan type | None | The secondary market, from 180 days after you buy |
| Own strategy | You, by rate, remaining term and loan originator | None, though you can leave loan originators out | The secondary market, from 180 days after you buy |
| Buying by hand | You, one loan at a time | None beyond your own choices | The secondary market, from 180 days after you buy |
The plans are PeerBerry’s best idea for beginners. Short-term buys loans from 8.5%, at most €75 a loan, Long-term from 7.5% and Real-estate from 8%, and none of them asks you for rate filters or a choice of loan originators. The “Choose Auto Invest plan” button that leads to them is tucked away and reads like a tool for building your own portfolio, which cost me time on my first visit. Your own strategy sets its own maximum per loan, where the Short-term plan stops at €75.
I picked the Short-term plan, marked “Popular”, on 21 January at 21:08, partly because the terms are short and partly because PeerBerry had no working secondary market when I joined, so short maturities were the only realistic exit. Then nothing happened. My first sight of the primary market showed business and real-estate loans and no short-term ones, which auto-invest strategies buy as soon as they’re listed.
Personal experience · Seven days of silence
I checked the morning after activating auto-invest, and nothing had been bought. The first purchase finally came on 28 January, seven days after my money arrived, and it was a single loan of €63.06. By the end of February, five weeks in, my plan had bought five loans totaling €258.75. Three-quarters of my deposit was still sitting in cash, earning nothing. Nothing was wrong with my settings. There was simply nothing left for my plan to buy.
Auto-invest on PeerBerry works as a queue, first in, first out, and the platform’s help centre says loyalty-tier strategies go first, Platinum, then Gold, then Silver. For my Basic-tier account, investing stayed a drip through spring, one loan every few days as repayments and new listings appeared.
Tax reports
PeerBerry gives you a tax statement in your account, on a “Tax Statements” tab beside the account summary. The account summary adds up the interest, principal repaid, investments, deposits and withdrawals for any period you choose, including the previous year, and your transactions and loans download as spreadsheets.
Support
PeerBerry offers support by email, by phone, through a Telegram bot and through a chat window in your account, on weekdays from 8:00 to 16:00 CET, per its website, a promise no support contact of mine has tested.
How fast can you get your money out of PeerBerry?
You can withdraw cash from PeerBerry for free within 2 business days. Invested money comes back as the loans behind your claims are repaid, within weeks on short-term loans and within up to two years on real-estate loans, or earlier on the secondary market once you’ve held a claim for 180 days. Money with a loan originator that stops paying waits, because PeerBerry pays you only after the loan originator has paid it, and the war-affected loans took until December 2024 to come back in full.
PeerBerry is tied for the seventh-lowest Liquidity score of the 21 platforms I’ve reviewed, 2.5 out of 5. The score rests on free withdrawals within 2 business days and short loan terms, against a secondary market that opens to a claim only 180 days after you buy it.
My loans repay on their own, but not on schedule. With 19–29% of my portfolio running late in my checks, the realistic horizon for a full exit is the loan term plus the 60-day buyback window, and with auto-invest switched off I’d expect the last euro back within about 90 days.
Withdrawals
PeerBerry withdrawals are free and are paid out within 2 business days under its user agreement, a promise no withdrawal of mine has tested yet. Your money goes to the bank account you deposited from, each withdrawal is confirmed with a code sent by email, and one withdrawal can be from €1 to €15,000, per the withdrawal page in my account. The same page says money marked “Done” can take up to 2 working days to reach your bank.
Secondary market
The PeerBerry secondary market is where you sell your claims to other PeerBerry investors before they’re repaid, with no fee, once you’ve held them for 180 days. You set the price at the principal still owed or at a discount of up to 50%, with no premiums, and an offer stays listed for at most 14 days. The interest earned since the last payment goes to the buyer.
My loans mature long before they’d become sellable. On 20 August 2026 the sell button was crossed out on all 22 of my current loans, with PeerBerry’s note “You can sell your investment only after 180 days from the date of the investment or purchase on the secondary market”, while their remaining terms ran 1 to 33 days. The market opened on 15 January 2026 with no holding period, and PeerBerry’s user agreement of 12 February added the 180 days. On 21 October 2026 the market listed 434 offers, the first page all SI Baltic real-estate claims at the principal still owed. The market serves PeerBerry’s real-estate and long-term loans, not the short-term ones my plan buys.
Closing your account
You can close your PeerBerry account once you hold no claims, by email or in your account settings, and PeerBerry then pays out your cash within 3 to 10 business days. The platform can end the agreement itself on 10 business days’ notice, and it then keeps managing the claims you already hold.
What fees does PeerBerry charge?
PeerBerry charges no fee to deposit by bank transfer, invest, sell on its secondary market or withdraw.
PeerBerry fees and costs | Deposit fee | Free by SEPA bank transfer, the only deposit method |
| Investment fee | Free |
| Early exit fee | Free on the secondary market, selling allowed after 180 days of holding |
| Withdrawal fee | Free |
| Currency conversion | EUR-only platform |
| Inactivity fee | Free |
| Withholding tax | 0% the platform withholds nothing, you declare the interest yourself |
My statement for 21 January to 21 October 2026 lists 280 transactions and not one fee. The terms let PeerBerry charge a service fee set in a price list it can change at any time, but I found no price list on its site or in my account in October 2026. On a small account, what PeerBerry costs you is indirect: the interest your money doesn’t earn while it queues for loans, and the loyalty rate you don’t get below €10,000.
Pros and cons
What PeerBerry does well
- The lending groups behind PeerBerry's war-frozen loans repaid them in full. When Russia's invasion of Ukraine froze PeerBerry's Ukrainian and Russian loans in 2022, Aventus Group and Gofingo Group companies repaid €51.4 million with interest by December 2024, per PeerBerry.
- PeerBerry charges investors no fees. My statement for 21 January to 21 October 2026 lists 280 transactions and not one fee, and every cent of interest arrived gross.
- PeerBerry's short-term loans return your money within weeks. The 87 short-term loans of mine that had ended by 21 October 2026 were repaid after 11 to 54 days.
- PeerBerry's ready-made Auto Invest plans need no settings. Each of the three plans, Short-term, Long-term and Real-estate, buys from every loan originator that offers its loan type, from a set minimum rate.
- Clear buyback labeling. Every listing states whether it carries the buyback or group guarantee, and all 23 of my loans are covered.
Where PeerBerry disappoints
- PeerBerry's auto-invest queue serves loyalty-tier investors first, so a small account's money can wait for months. My €1,000 waited 7 days for its first loan, more than half of it was still idle at the end of May, and it was mostly invested from July 2026. PeerBerry's own figure for my account was 3.57% a year in August, against coupons of 8.5%.
- Nearly half of PeerBerry's loans come from two Lithuanian real-estate developers, without a group guarantee. SIB Group and Lithome held 45% of the money outstanding on 19 October 2026. Their listings name a pledge of the borrower's contracts as collateral, not a mortgage, and Lithome's own 2025 statements show negative equity.
- No regulator supervises PeerBerry, and no compensation scheme covers your money on it. Your deposits go to an account in PeerBerry's own name at Paysera, a Lithuanian e-money institution.
- PeerBerry describes a "group guarantee" that none of its published documents gives you. The guarantee memoranda PeerBerry publishes name group companies and business partners as the parties owed, not investors.
- Short-term loans like mine can't be sold on PeerBerry before they're repaid. A claim can be listed only 180 days after its purchase, a rule PeerBerry added in February 2026, four weeks after its secondary market opened.
Who should use PeerBerry?
PeerBerry suits investors who bring €10,000 or more and can hold each loan until it’s repaid.
PeerBerry suits:
- Investors who keep €10,000 or more invested, whose loyalty tier adds 0.5–1% interest and moves their auto-invest strategies up the queue from 90 days after registration
- Investors who rank a record of paying back through a crisis above headline yield
- Beginners who want a ready-made Auto Invest plan with nothing to configure
- Anyone who wants to invest without fees, which PeerBerry doesn’t charge
Avoid PeerBerry if you are:
- Investing less than €10,000 and expecting the advertised rates, because PeerBerry’s own figure for my €1,000 was 3.57% a year after seven months
- Unwilling to watch money queue for short-term loans
- Counting on the secondary market for exits, because the short-term loans my plan buys are repaid before its 180-day rule lets you sell them
- Wanting your real-estate loans backed by the building or a group guarantee, because SIB Group’s and Lithome’s loans carry no group guarantee and the listings I opened name only a pledge of the borrower’s contracts
- Looking for a supervised platform or a compensation scheme, because PeerBerry has neither
- Relying on the “group guarantee” to protect your capital, because the agreements PeerBerry publishes don’t make it owed to you
