Moncera is a p2p lending platform where you can invest in consumer loans (and recently into real estate). Since August 2021, the platform is owned 100÷ by Placet Group, an Estonian loan originator. The latter is also active on the mintos marketplace. The group usually is considered to be one of the best loan originators on mintos. Hence, Moncera is a spin-off to offer investors the possibility to directly invest into Placet Group loans. Usually, the investors are rewarded with higher returns, around 11% of annual returns.
You can invest into consumer loans with the "Manual invest" function. If you want to invest into real estate projects, choose "Projects".
Instant Cash-Out
Moncera
Available as:
One Click Exit
One of the most competitive and popular features of Moncera is the "One Click Exit" option for loans. In spite of the absence of a secondary market, investors can sell a loan at any time instantly. If you exit the loan very quickly (roughly before the first payment of the borrower), you can exit the loan for free. However, the usual case is that you want to exit after some time has passed. Then you need to pay a 0.5% of the outstanding loan sum in order to exit the loan quickly. All in all, we find that One Click Exit is a real alternative to Bondora's Go & Grow or mintos strategies.
Secondary Market
Moncera
Not available
Risk & Security
Buyback Guarantee
Moncera
Available
Moncera's loans foresee a 30-days buyback guarantee.
Payment Guarantee
Moncera
Available as:
One Click Exit
See also Instant Cash-Out (One Click Exit)
Rating System
Moncera
Available as:
Borrower Rating
Moncera rates borrowers on a scale from A (best) to D (worst).
Due Diligence
Moncera
Available
Skin in the Game
Moncera
Not available
Collaterals
Moncera
n/a
Maximum Loan To Value (LTV)
Moncera
n/a
Sign Up Bonus
Earn 1% of your deposit amount during 60 days after sign up.
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Estonia
