Great opportunity to invest your money. Unfortunately there are less loan requests where there are more investors making it hard to grow in the pace I planned as only a few loan requests available.
Company replied
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See what reviewers are saying
Been using the service for almost 4 years with great results and no major issues. Probably the most trustworthy company in the industry in Lithuania. Sometimes their algorithm that distributes money g... See more
My main choice for P2P investments. Great consumer loan quality based on the disclosed rating, results so far matches my expectations. Have a small portfolio of A rated loans with 9.3% return after >... See more
Company replied
They give you only the choice between "secure" investments with very low interest rates (A+ with 4%) and very risky investments (high default rate and there is no buyback guarantee) with high intere... See more
Company replied
Company details
Written by the company
NEO Finance is one of the leading P2P lending platforms in Lithuania. The platform is an intermediary for consumer loans that connects lenders directly with borrowers with the intention that lenders can earn higher returns. Offering international investors possibility to invest in the loans of Lithuanian consumer credit receivers. Operating since 2015, the platform has been offering its investors solid returns of 10-14% and is the first P2P platform in the country to have reached constant EUR 3M+ monthly issues.
Your Investment, Our Priority
Written by the company
- Maximize Your Returns
- At NEO Finance, we understand that your investment journey is about pursuing growth and making informed decisions. We’re dedicated to providing a transparent platform, personalized service, and a seamless experience for every peer-to-peer investor. Your success is our priority, and we’re here to support you every step of the way
Contact info
Ukmerges 126, VILNIUS, 8100, Vilnius, Lithuania
- +37068700300
- info@neofinance.com
- neofinance.com
4.1
Great
140 reviews
Replied to 100% of negative reviews
Typically replies within 1 week
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Great opportunity to invest your money.
Great opportunity to invest your money.
Unfortunately there are less loan requests where there are more investors making it hard to grow in the pace I planned as only a few loan requests available.
June 23, 2025
Reply from NEO Finance (Paskolų klubas)
Thank you for your feedback and for being part of the Neofinance community.
We’re glad to hear that you see Neofinance as a great opportunity to invest. We understand that at times the number of available loan requests may be lower than expected, especially as the number of investors on the platform grows. Our team is continuously working on attracting more borrowers and maintaining a balanced marketplace so investors have more opportunities to invest.
We truly appreciate your patience and your trust in Neofinance. Your feedback helps us improve the platform and continue growing the marketplace for both investors and borrowers.
Works just fine!
January 6, 2026
professional
I like how professional it is set up and all the available additional information, graphs etc.
December 22, 2025
Reply from NEO Finance (Paskolų klubas)
Thank you for sharing your experience! We’re happy to know that you value the professional setup and the additional information and insights we provide.
Not a good investment
They give you only the choice between "secure" investments with very low interest rates (A+ with 4%) and very risky investments (high default rate and there is no buyback guarantee) with high interest rates. The user interface is bad. There is a withdrawal fee and the auto invest is not working properly.
It is bad. Not a scam, but a bad investment.
November 23, 2025
Unprompted review
Reply from NEO Finance (Paskolų klubas)
Dear Investor,
Thank you for sharing your feedback. We’re sorry to hear that your experience with NEO Finance did not meet your expectations.
Our investment platform offers a wide range of loans with different risk and return levels, from A+ to C- categories, allowing investors to choose the balance that best fits their individual risk appetite. Higher-rated loans naturally come with lower interest rates, while higher-yield options carry greater risk – this reflects real credit market dynamics.
Regarding the user interface and Auto Invest function – we are continuously improving our platform and user experience, and we hope that upcoming updates will better meet your needs.
We appreciate your honest input – it helps us understand investor expectations more clearly. If you’d like to discuss your experience further or need assistance with your account, please contact us at investor@neofinance.com
Best regards,
The NEO Finance Team
Reply from NEO Finance (Paskolų klubas)
Dear Investor,
Thank you for your positive feedback! We’re delighted to hear that the onboarding process was smooth and that you found our platform clear and easy to use.
Best regards,
The NEO Finance Team
I strugled in the identification…
I strugled in the identification process. And i felled sorry that i didnt get the 30 euro bonus i got at the beleggersfair in Holland
November 11, 2025
Reply from NEO Finance (Paskolų klubas)
Dear Investor,
Thank you for sharing your experience. We’re sorry to hear that the identification process was not as smooth as expected. As a regulated financial institution, we’re required to follow strict identity verification procedures to ensure security and compliance – but we understand it can sometimes feel inconvenient.
Regarding the €30 bonus from the BeleggersFair event – this offer is applied according to the campaign terms and conditions. If you believe you qualified but did not receive it, please contact us at investor@neofinance.com and we will be happy to review your case.
We appreciate your feedback and hope your future experience with NEO Finance will be smoother.
Best regards,
The NEO Finance Team
changing my phone number also requires…
changing my phone number also requires your pasport or ID checked by another party. I am leaving and i did not make profit because of B rated loans which did not get payd back.
October 24, 2025
Unprompted review
Reply from NEO Finance (Paskolų klubas)
Dear Investor,
We are sorry to hear that your experience did not meet your expectations.
Identity verification when changing your phone number is required for security reasons – this procedure helps us protect investor accounts from any potential unauthorized access. It is carried out in full compliance with regulatory requirements and data protection standards.
Regarding your investments – we understand your disappointment. Each loan carries a different level of risk, and some B-rated loans may experience delays or defaults. However, a diversified portfolio across different risk categories generally helps to maintain a positive long-term return.
If you wish, our team can review your investment portfolio and provide personalized recommendations on how to optimize your risk–return balance in the future.
Please feel free to contact us at investors@neofinance.com.
Reply from NEO Finance (Paskolų klubas)
Thank you!
VERY EXPENSIVE SECONDARY MARKET
A SERIOUS AND RELIABLE PLATFORM THAT PROVIDES THE MAXIMUM INFORMATION FOR BORROWERS AND HELPS YOU DECIDE ON WHICH LOAN TO INVEST. MY ONLY OBJECTIONS ARE 1. THAT THERE IS A 1% COMMISSION ON THE SECONDARY MARKET ON BOTH THE BUYING AND THE SELLING OF A LOAN... SOMETHING THAT MAKES IT THE MOST EXPENSIVE PLATFORM AMONG THE P2P PLATFORMS THAT EXIST AND 2. I THINK SOMEONE SHOULD MAKE SURE THAT THE DEPOSITS ON SOME LOANS ARE SMALLER AND FEWER.
September 8, 2025
Easy to make investments.
Easy to make investments.
Much information about loaners
Automatic investment is nice, but i miss making automatic investments for loans under 4 month.
September 6, 2025
Reply from NEO Finance (Paskolų klubas)
Thank you for your feedback and for highlighting what you enjoy about our platform 🙏 We’re glad to hear that you find the information clear and the automatic investment feature useful.
User friendly and good support
Fairly easy to subscribe and get an account. I got very good support and fast response during a weekend to a question I sent by mail. Still need to build up experience with investing, but the website looks clear and user friendly.
August 4, 2025
Reply from NEO Finance (Paskolų klubas)
Thank you for your kind words, Rutger! We're glad the sign-up process and support experience were smooth. If you ever have questions while exploring our platform, don’t hesitate to reach out — we're here to help!
The number of repaid loans is getting…
The number of repaid loans is getting even with the number of confirmed loans in my portfolio (about 75% of these repaid loans do this after 0 to 5 payments, meaning they get a better deal from you or from one of your competitors)
The fact that each month a number of these repaid loans adds cash that needs to find another loan to invest in.... is not an efficient way of working.
The root cause for this is the fact that YOU (NEO Finance) give these people a loan at a too high interest rate (other wise they would not repay their loans so quickly and move to a cheaper loan)
This matter is going on since years and the real victims are we since we do not get the opportunity to put our money efficiently at work (each time there are days, weeks of unused cash as a result of your failing attempt / policy).
Besides the issue of the repaid loans the number of loans that do not get paid is getting up to 7-8 procent of the loans recently - another indication for a inadequate profiling of the candidates for a loan.
I was told that you use AI now to more succesfully profile the loan candidates, personally I see the opposite : you have significant amount of people asking for better conditions (with repaid loans as a result) AND you have increasing loans that do not get paid for a year (with a potential loss of money in the A and B loans - categories which, if well profiled, should hardly have any dropouts )
I have made these remark several times and this is my last attempt to talk NEO Finance into some sense. Otherwise I will look for other opprtunities to invest my money.
For your information, my automatic investment routines select the most stringent criteria (age, experience, collateral, income etc in A and B loans,
no secondary market loans)
Curious for a reaction
July 4, 2025
Reply from NEO Finance (Paskolų klubas)
Dear Benedikt,
Thank you for taking the time to share your detailed feedback – we appreciate your long-standing involvement with NEO Finance and the clarity of your observations.
You are right to point out that early loan repayments, particularly after only a few instalments, can affect the efficiency of capital allocation. This behavior is indeed seen across the industry, often driven by borrowers refinancing at lower interest rates when market options allow.
While early repayments can indicate improved borrower financial health, we fully understand that for investors, they create cash drag and reinvestment friction.
In the context of the Lithuanian consumer lending market, early repayments have become increasingly common, as more and more borrowers actively seek opportunities to refinance their loans and reduce their costs. Your use of strict auto-invest criteria also limits exposure to secondary market or riskier loans, which is a prudent strategy, but may naturally slow down reinvestment speed when loan availability is lower.
If you’d be open to it, we’d gladly arrange a direct review of your portfolio to explore if any optimizations could support your investment goals better. Please feel free to contact us at investors@neofinance.com to schedule a conversation.
Thank you again for your transparency – we value it highly.
Best regards,
NEO Finance
I like the platform
I like the platform, the investing part is very easy and the ROI is clear before investing. However, what I miss is clarity on payment dates. It is very fuzzy where I can find exactly what amount I can expect on which day.
July 1, 2025
Reply from NEO Finance (Paskolų klubas)
Thanks for your feedback! We're glad you find investing easy and ROI clear.
I have ask to stop automatic…
I have ask to stop automatic investments, but in june again automic. All the money on my account I will invest persinal.
June 23, 2025
Reply from NEO Finance (Paskolų klubas)
Thanks for your feedback and sorry for the inconvenience!
Reply from NEO Finance (Paskolų klubas)
Thank you! Wishing you continued success as well!
Reply from NEO Finance (Paskolų klubas)
Dear Geert,
Thank you for your kind words! We're very happy to hear that you find our platform reliable and that it's working well for you. If there's ever anything we can help with, we're always here.
Best regards,
NEO Finance Team
Reply from NEO Finance (Paskolų klubas)
Thank you, Karolina!
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