Twino Review


Twino offers a wide range of loan investments, while emphasizing its European origins. The platforms brokers directly the loans between the involved parties. Having started in 2009, it uses buy-back guarantees to convince potential investors.

Visit Platform


based on 4 ratings

Key Facts

Investment Structures Direct (peer-to-peer), Marketplace (peer-to-business)
Originator Types Peers, Loan Originators
Investing Into Business Loans, Consumer Loans, Real Estate
HQ Country country image Latvia


Interest Rates 10.00% – 14.00%
Number of Originators 0
Number of Countries 5
Currencies n/a
Minimum Investment 10 EUR


Average Net Return 10.00%
Total Loans Funded 81,500,000 EUR
Loans Outstanding n/a
Loans Current n/a
Loans Late n/a
Loans 1 To 15 Days Late n/a
Loans 16 To 30 Days Late n/a
Loans 31 To 60 Days Late n/a
Loans 60 Plus Days Late n/a
Loans Defaulted (In Recovery) n/a
Loans Defaulted (Recovered) n/a
Loans Defaulted (Written Off) n/a
Investors 25,622
Average Amount Per Investor n/a
Principal Returned n/a
Interest Earned n/a
Late Fees Earned n/a


Available as: Auto-Invest, Auto-Invest Portfolios, Portfolio Builder

Basically Auto-Invest, Auto-Invest Portfolios and Portfolio Builder are the same thing.

Available as: Manual Investment, Ventures

Use Manual Investment to invest into single loans. Or, what makes more sense, pick your favorite real estate object with Ventures.

Secondary Market

Once you have invested into a loan, you can offer them for sale on a automatized secondary market. You can also only sell a part of the debt that the lender owes to you. By this, you can pull your money out of the investments.

Instant Cash-Out
Not available

Risk & Security

Buyback Guarantee

Twino promises to buy back a loan (principal amount and accrued interest for full term), if a borrower is late with the repayment for over 60 days.

Payment Guarantee
Available as: PG

Twino claims it would compensate both the invested principal amount and interest according to the loan repayment schedule for the whole loan period, even if the borrower is late with the repayment.

Rating System
Not available
Due Diligence
Not available
Skin in the Game
Not available
Collaterals Property, Personal Guarantee, Business Guarantee, Company Stocks
Maximum Loan To Value (LTV) n/a

Sign Up Bonus

Earn 20€ after having signed up, deposited and invested at least 500€ to your Twino investment account.

Made with 🍅🥖️ near Barcelona

© 2024