PeerBerry
Rating in detail
- Safety & regulation30 %
- 4.5
- Transparency25 %
- 5.0
- Track record & stability20 %
- 6.5
- Returns & terms15 %
- 7.0
- Investor experience & liquidity10 %
- 6.0
Our take
PeerBerry bundles short-term consumer loans with a buyback guarantee: if a loan falls into arrears, the lender repurchases it including accrued interest. p2p-investments.de rates PeerBerry C (5.5/10) with medium data coverage. The platform's strongest card is an exceptional crisis record — the price is a structurally thin safety side. How we arrive at this grade is set out in our rating methodology.
What does PeerBerry offer investors?
On PeerBerry you invest from €10 in short-term consumer and leasing loans (1–12 months), mostly originated within the Aventus and Gofingo group. More than 119,000 investors have put in over €3.4bn cumulatively. A mature auto-invest handles diversification; there is no secondary market, so liquidity comes only from the short maturities.
The core protection is twofold: the lender's buyback guarantee after 60 days past due, and an additional group guarantee. If a single originator fails, the group steps in. How dependable that protection is therefore rests entirely on the financial strength of one corporate group.
How we rate PeerBerry
We score five criteria with fixed weights. The breakdown above summarises the points; here is the reasoning with evidence (as of June 2026).
Safety & regulation (4.5/10). This is the structurally weakest side. PeerBerry is not licensed as an investment firm or under the EU Crowdfunding Regulation; it operates under national transitional provisions — there is no standalone financial supervision of the investment product. The loans are unsecured, and no asset-segregation protection is documented. Against that stands a real group guarantee: the Aventus group reports €95.7M net profit for 2025 and €225.7M equity — financially strong, but not audited.
Transparency (5.0/10). Mixed. PeerBerry's crisis communication is exemplary (see below), and the platform statistics are public. The key gap: neither PeerBerry nor the guarantor Aventus/Gofingo group publishes audited annual accounts — and the entire protection rests on their solvency. What we cannot verify, we score conservatively.
Track record & stability (6.5/10). The strongest point — and an outstanding one in this market. Over nearly three years, PeerBerry together with Aventus and Gofingo repaid all war-affected loans (€46.5M) in full by 16 December 2024 — with no losses to investors, and as the only platform even the Russian loans at 100%. A group guarantee that survives a war is genuine evidence. The dependence on one group and the lack of audited figures remain the limits.
Returns & terms (7.0/10). Around 11% realised average return with no investor fees and a €10 minimum is solid — and has been delivered reliably, including through the crisis. The premium is compensation for counterparty and concentration risk, not a suspicious high yield. More on weighing return against risk in our knowledge article on the returns and risks of P2P loans.
Investor-friendliness & liquidity (6.0/10). A low entry point (€10), a mature auto-invest and well-rated support speak for the platform. The main weakness is the lack of a secondary market: early exit is only possible through the short maturities.
Data coverage and open questions
Our grade rests on 15 of 25 evidence questions answered from solid sources — data coverage: medium. The product data and track record are well documented; the regulation and, above all, audited financials of the guarantor group are not. Until those exist, the dependability of the guarantee remains a matter of trust — even if the war confirmed it impressively.
Who PeerBerry is for
PeerBerry is for more experienced investors who want short maturities and a double-digit return and knowingly take on the concentration and counterparty risk of a single corporate group as a small add-on. If you value the impressive crisis record, don't mistake it for investment supervision or audited figures — both are missing. As with any P2P investment: invest only money whose temporary or permanent loss you can absorb, and spread across several platforms. The basics are covered in our knowledge article on P2P lending fundamentals; for context within the market, see the platform comparison.
Strengths
- Exceptional crisis record: all €46.5M of war-affected loans repaid by December 2024 with no investor losses
- Buyback guarantee after 60 days late, plus a group guarantee from the financially strong Aventus/Gofingo group
- Solid ~11% realised return with no investor fees, entry from €10
Weaknesses
- No standalone EU investment licence and no audited accounts — the entire protection rests on one group's solvency
- Heavy concentration risk: loans and the guarantee both depend on the Aventus/Gofingo group
- No secondary market — liquidity only through the short maturities
Risk profile: medium-high
Updates
- Initial rating under methodology v1.1: grade C (5.5/10). An exceptionally well-handled war crisis (all €46.5M of war-affected loans repaid with no investor loss) and a solid ~11% return speak for the platform; against them stand the lack of a standalone EU licence, the absence of audited accounts and the heavy dependence on the Aventus group. Replaces the earlier, hand-set legacy rating (B, 7.4).
Frequently asked questions
Is PeerBerry legitimate and regulated?
PeerBerry has been on the market since 2017 and has over 119,000 investors, but it is NOT licensed as an investment firm or under the EU Crowdfunding Regulation (ECSP) — it operates under national transitional provisions. Protection rests on the buyback and group guarantee from the Aventus/Gofingo group, whose figures, however, are not audited.
What return does PeerBerry pay?
PeerBerry reports an average realised return of around 11% p.a., with interest starting at about 9.5%. There are no investor fees. These figures were delivered even through the war crisis without any capital loss to investors.
How safe is PeerBerry's buyback guarantee?
If a loan falls more than 60 days past due, the lender buys it back including interest. On top of that comes a group guarantee from Aventus and Gofingo. That guarantee is only as strong as the group behind it — it proved itself during the war (all war-affected loans repaid), but it rests on unaudited group figures.
What are the risks of PeerBerry?
The biggest risk is concentration: most of the loans and the guarantee depend on a single corporate group (Aventus/Gofingo). On top of that come the lack of standalone EU supervision, the absence of audited accounts and the lack of a secondary market.
Who is PeerBerry best suited for?
PeerBerry suits more experienced investors who want short maturities and a double-digit return and knowingly accept the concentration and counterparty risk of a single corporate group — as a small, deliberately chosen add-on.