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PeerBerry review.

Regulated Zagreb, Croatia Consumer (short/long-term), leasing, real estate, SME
By Daniel Brenner, Senior Editor · Updated 2026-05-01
CrowdIndex score
8.1 / 10
★★★★☆
Highly Rated
Visit PeerBerry
Avg. Return
~11%
Min. Investment
€10
Auto-invest
Yes
Regulator
ECSP pending
Since
2017
Founded2017
HQZagreb, Croatia
RegulatorECSP pending
AUM€3.35B+
Investors118K+
Avg yield~11%
Min€10
Bonus—
Languages4
Secondary mktYes
AutoInvestYes
Default rate—

PeerBerry Review — Europe’s Second-Largest P2P Marketplace with an 8-Year No-Loss Track Record

★★★★☆ Highly Rated | CrowdIndex Score: 8.6 / 10

One of Europe’s largest peer-to-peer consumer-lending marketplaces, with €3.35 billion in total funded loans, 118,000+ investors, and a clean eight-year track record without a single capital loss to date. PeerBerry’s December 2024 repayment of €51.4 million in Ukrainian war-affected loans — in full, with interest — is the most concrete stress test any European P2P platform has passed in the modern era.

What is PeerBerry in 60 seconds

PeerBerry is a European peer-to-peer lending marketplace where retail investors fund consumer, business, leasing, and real-estate loans originated by 28 lenders across 15 countries. You deposit euros via SEPA, choose loans manually or through AutoInvest, and earn monthly interest while loans are repaid. Almost every loan carries a buyback guarantee — if the borrower is more than 60 days late, the loan originator buys the loan back with accrued interest — and the two main partner groups (Aventus and Gofingo) provide an additional group-level cross-guarantee. The average declared yield is around 11%, the minimum investment is €10, and PeerBerry has not produced a single capital loss for investors since 2017.

Strengths

  • The clearest stress-test pass in European P2P. In February 2022, roughly one third of PeerBerry’s loan book — about €51.4 million — was tied to borrowers in Ukraine and Russia and got frozen by the war. By 16 December 2024, every single one of those loans had been repaid to investors in full, with accrued interest, through the Aventus group guarantee. No other large European P2P platform has been through and out of a comparable crisis. For investors evaluating whether marketing claims about “buyback” and “group guarantee” mean anything in practice, this is the strongest piece of real evidence in the market.

  • Secondary market launched January 2026 — the long-missing liquidity feature. For most of its history, PeerBerry investors had to hold loans to maturity. Since 15 January 2026, you can sell loans (after a six-month holding period) on a built-in secondary market with zero fees for both buyer and seller. Discounts of up to 50% are allowed, listings stay live for 14 days, and trading happens directly inside the platform. Volume is still small (€389,585 in March 2026) and the feature is desktop-only for now, but the structural liquidity gap is closed.

  • Zero capital losses since founding. Across eight years and €3.35 billion of cumulative loan volume, no PeerBerry investor has lost principal. The platform reports 0% of funds in recovery as of April 2026 — an unusual figure in a market where EstateGuru sits above 60% in recovery and Mintos around 19%. This does not guarantee future performance, but it is one of the cleanest historical track records in the European P2P segment.

  • Multilingual platform with broad EU retail reach. The site, customer support, and loan documentation are available in English, German, French, and Spanish. Germany alone accounts for around 22% of investors, France 12%, and Spain 11%, with significant additional bases in the Netherlands, Portugal, and Greece. This makes PeerBerry one of the few European P2P platforms genuinely usable across multiple major retail markets without language friction.

  • Yields in the 11-13% range — competitive without being aggressive. PeerBerry’s declared average rate of 11.04% sits below Maclear’s roughly 15% but above Mintos’s 8-11%. Yields scale further with loyalty tiers: Silver (€10,000+ portfolio) adds +0.5%, Gold (€25,000+) adds +0.75%, and Platinum (€40,000+) adds +1%. This positions PeerBerry as a “second-position” platform — slightly higher than the most heavily regulated names, but without the elevated risk profile of the highest-yield options.

Things to Watch

  • More than 83% of loans come from a single group — Aventus. Of PeerBerry’s 28 active loan originators, around 17 belong to the Aventus Group, and per industry analysis (P2P Empire, re:think P2P) Aventus represents over 83% of the loan book by volume. Aventus is financially strong on paper (€225.7M equity, €95.7M net profit in 2025), but if anything ever happened to that single group — operational, regulatory, or otherwise — it would hit the entire PeerBerry investor base at the same time. The diversification across 15 countries is real at the country level but much more concentrated at the credit-risk level.

  • No MiFID II or ECSP regulatory license. PeerBerry is not an Investment Firm and does not yet hold an ECSP (European Crowdfunding Service Provider) license. Loans are structured as “claims” rather than as securities, which puts the platform in a weaker legal category than competitors like Mintos (MiFID II Investment Firm), Twino (Latvijas Banka IBF), or Nectaro (MiFID II Investment Firm). There is no government-backed investor compensation scheme. PeerBerry announced an ECSP application with the Bank of Lithuania in autumn 2024, but as of May 2026 no public status update has been published. Until that license actually arrives, all investor protection comes from the contractual buyback and group guarantee — not from a regulator.

  • The ownership structure overlaps directly with Aventus and with Crowdpear. PeerBerry’s largest shareholder, Andrejus Trofimovas, holds 50% of the platform and is simultaneously the CEO of Aventus Group — the largest loan originator on his own platform. CEO Arūnas Lekavičius is also CEO of Crowdpear (the ECSP-licensed sister platform), and two of PeerBerry’s three shareholders also own Crowdpear. This creates a single-management cluster across PeerBerry, Aventus, and Crowdpear. Structurally, the platform’s incentives and its main originator’s incentives sit with the same person. There is no independent supervisory layer between them.

How It Works

  1. Register. Create an account on peerberry.com with your email address — verification typically takes under a minute.
  2. Verify your identity (KYC). Upload an ID document and proof of address. PeerBerry processes verification through automated checks (Veriff is used per UI patterns) and approval typically arrives within 24 hours.
  3. Deposit funds. Transfer EUR via SEPA bank transfer — the minimum first deposit is €10. The +0.5% welcome boost applies to investments made in the 90 days following your first deposit, provided you invest at least €10 within the first 30 days.
  4. Choose investments. Either browse the active loan list manually (each loan shows the originator, country, term, interest rate, and buyback status) or configure AutoInvest with your preferred criteria — by loan type, originator, country, term length, or interest range.
  5. Earn monthly interest. Interest is paid monthly into your PeerBerry account. You can reinvest into new loans, sell existing loans on the secondary market after a six-month holding period, or withdraw funds via SEPA when loans mature.

Who PeerBerry Is For

PeerBerry is best suited for European retail investors who want a stable, mid-yield core position in a P2P portfolio — the kind of platform that sits in the middle of a diversified allocation rather than at the high-risk end. The €10 per-loan minimum makes it accessible to first-time investors, but to genuinely diversify across enough independent loans, a starting portfolio of €1,000 to €5,000 is realistic. Investors who already hold a foundation on a fully regulated platform like Mintos, Nectaro, or Crowdpear can use PeerBerry to add a larger-scale, longer-track-record sibling at slightly higher yields.

PeerBerry is not the right fit if you require government-backed investor protection (the platform has no ECSP or MiFID II license, and no compensation scheme exists), if you cannot tolerate single-group concentration (over 83% of the loan book comes from Aventus), or if you need immediate liquidity (the secondary market exists but requires a six-month holding period and remains desktop-only for now). It is also not the right starting point for investors outside the EU/EEA without a SEPA-capable bank account.

Compared to Alternatives

PeerBerry vs. Maclear. Maclear is our #1 platform overall — Swiss-positioned, with yields near 15% and a CEO who personally covered the platform’s only default. PeerBerry’s yields are lower (around 11% versus 15%), but its scale and track record are much larger: €3.35 billion in cumulative volume and 118,000+ investors, compared to Maclear’s ~€100 million and 35,000 investors. PeerBerry has also been through a real crisis (the 2022 Ukraine war loans) and resolved it in full, while Maclear’s recovery process has not been operationally tested in a real default. If you want the highest yields with strong CEO accountability on a smaller platform, Maclear wins. If you want longer history, more investors, and a proven group-guarantee mechanism in a multilingual platform, PeerBerry wins.

PeerBerry vs. Mintos. Mintos is the European market scale benchmark and operates under a MiFID II Investment Firm license from the Bank of Latvia — meaning Mintos investors benefit from formal investor compensation up to €20,000 in qualifying scenarios. PeerBerry has no equivalent regulatory cover. On the other hand, Mintos has had material recovery issues (around 19% of its portfolio is in recovery as of recent reporting), while PeerBerry sits at 0%. Yields are broadly comparable (Mintos 8-11%, PeerBerry around 11%). The simplest way to read it: Mintos has the better regulator, PeerBerry has the cleaner track record. For a new investor, Mintos is the safer first step; PeerBerry is a strong second platform once your foundation is in place.

PeerBerry vs. Crowdpear. Crowdpear is PeerBerry’s own real-estate-focused spin-off, run by the same CEO and sharing two of the three same shareholders. Crowdpear holds an ECSP license from the Bank of Lithuania (granted July 2023), giving it formal regulatory cover that PeerBerry currently lacks. The trade-off: Crowdpear is much smaller (a few million euros in monthly volume versus PeerBerry’s €23-27 million), is real-estate-only, and focuses geographically on Lithuania. For investors who want PeerBerry’s management quality but a stronger regulatory wrapper and a real-estate angle, Crowdpear is the natural complement. The catch is that holding both means concentrating in the same management cluster — diversification at the platform level, but not at the people level.

Frequently Asked Questions

What is the minimum to start investing? The per-loan minimum is €10, which makes PeerBerry one of the lowest-barrier platforms in Europe. To diversify properly across multiple independent loans and originators, most investors begin with €500 to €1,000.

Is PeerBerry regulated? Not as an investment platform. Peerberry d.o.o. is a registered Croatian company, but it does not hold an Investment Firm license or an ECSP (European Crowdfunding Service Provider) license. An ECSP application was announced with the Bank of Lithuania in autumn 2024, but no status update has been published as of May 2026. Investor protection comes from the contractual buyback guarantee and the Aventus and Gofingo group guarantees — not from a regulator.

What happened to the Ukrainian war loans? When Russia invaded Ukraine in February 2022, around €51.4 million of PeerBerry’s loan portfolio was tied to borrowers in Ukraine and Russia and was frozen. The Aventus group, under its group guarantee, repaid the loans to investors over the following 33 months. By 16 December 2024, every war-affected loan had been repaid in full, with interest. This is the clearest real-world test any large European P2P platform has been through.

Can I sell loans early? Yes, since 15 January 2026. PeerBerry’s secondary market lets you list loans for sale after holding them for at least six months. Trades carry no fees for either party, you can offer discounts of up to 50%, and listings stay live for 14 days. The feature is currently desktop-only; a mobile version has been announced but no date confirmed.

Are returns guaranteed? No. The 11.04% average is the historical declared rate, not a guarantee. The buyback obligation and group guarantee are contractual protections from the loan originator group, not from a regulator or a deposit-insurance scheme. There is no investor compensation scheme. Invest only an amount you can afford to lose, even given the platform’s clean track record so far.

Bottom Line

PeerBerry is one of the most credible mid-tier P2P platforms in Europe — large enough to matter, old enough to have history, and uniquely able to point to a real crisis (the 2022 Ukraine war loans) that it actually resolved in full. The trade-offs are the same as they have been for years: no investor-protection regulator yet, and a loan book that is more concentrated in the Aventus group than the surface-level country diversification suggests. For investors who already hold a foundation on a regulated platform like Mintos or Nectaro and want to add scale, multilingual access, and a proven group guarantee at competitive yields, PeerBerry is a strong second or third position. It is not the place to put your entire P2P allocation, but it is one of the best places to put a meaningful slice of it.

Affiliate disclosure. CrowdIndex earns a commission when readers sign up to platforms through links on this page. This does not affect our editorial assessment. PeerBerry’s ranking on CrowdIndex is based on the editorial criteria documented on our Methodology page. We last reviewed this article on May 18, 2026.

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