I'm Zonky investor for more than 2…
I'm Zonky investor for more than 2 years and I'm very satisfied with their services. They are stable, very transparent and offering nice profit for very low risk.
October 29, 2019
Unprompted review
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Company details
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Tady vydělávají všichni. Nižší úroky pro ty, kteří si půjčují. Vyšší úroky pro ty, kteří investují.
Contact info
Czech Republic
- zonky.cz
3.9
Great
9 reviews
No history of asking for reviews
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Transparent and unusually stable (financially) P2P platform
From my perspective this is one of the best P2P platforms.
I am investing here since 2015 and I am genuinely happy with Zonky. You can expect your portfolio performance to be between 6-8% on average.
There is no buyback on the other hand Zonky is more stable than companies offering buyback. Loans you are buying on Zonky are not junk which is very pleasant. (btw buyback is nice but in the end it works only as long as everything is going well and economy growing. If the P2P platform is not stable then buyback is worthless. Be careful regarding that with other providers)
Zonky charges you fees, yet at least they are very transparent. For instance Mintos orgininators lends for +100% and give you 10-13%, Mintos and originator take other 90% of the profit. With Zonky you pay transparent fee between 0,2 to 5% (roughly) depending on the ratings. I personally prefer this transparent and honest approach.
Selling on secondary market is for free only if you hold your particular investment longer than for 1 year.
Default rates are incredibly low (hopefully I didn't jinx it right now), the loan book is online so you can check it. I have some delayed investments but 0,- in default. In my portfolio I have between 600-700 investments currently.
Lastly, you can invest from 200 CZK (7,82€) up to 15000 CZK (586€) per single loan and auto invest can be done via second other app (Zonkios for iOS)
Cheers and invest carefully,
Matt (Matej)
June 25, 2019
Unprompted review
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