Use our calculator to estimate the return for your investment

100 000€
Investment period
1 year
10 years
Maximum loan term
24 months
120 months
Maximum investment per loan
  • Define investments per credit rating
Share of credit rating 1 loans in portfolio
Share of credit rating 2 loans in portfolio
Share of credit rating 3 loans in portfolio
Share of credit rating 4 loans in portfolio
Share of credit rating 5 loans in portfolio
Monthly additional investment

Estimated return

Gross return
Credit loss
Number of loans
Return rate

Cumulative Net Return and Credit Loss

Final offer will depend on lender offers. The calculation is based on the current interest level.

This is how it works

Fellow Finance vertaislainapalvelu

1. Fellow Finance

Fellow Finance offers a marketplace for creditworthy borrowers and investors interested in receiving a steady cash flow with competetive rates of return.


2. Loan

The borrower selects the desiref loan amount and interest rate he is willing to pay.


3. Investment

The investor opens up an account and chooses the loans, rates and amounts according to his investment preferences.

Korko ja lainan lyhennys

4. Interest and repayment

The borrower pays monthly repayments of loan principal and interest​s.

Steady cash flow with high returns

The average annual return rate of a portfolio of Fellow Finance investors is 1​2 % in portfolios diversified to 100 loans or more.

Return-% is the annualized internal rate of return of the cash flows before tax.

Or try the Demo-account!
Investing in p2p consumer loans

Investing made easy

Fellow Finance finds and takes care of the creditworthiness assessment of the borrowers. You as an investor will choose your own lending criteria. The monthly interest and principal repayments are easily invested in new loans ​by help of our loan allocator. This ensures effective circulation of capital. It is easy to diversify your investments in many loans.

Or try the Demo-account!
Investing is made easy by our Loan Allocator

    The Borrowers


    ​The borrowers

    Fellow Finance brings together people who need financing with those who have funds to lend. Both the investor and the borrower are able to set their personal lending and borrowing criteria.

    We offer the most advanced platform to manage your investments in consumer loans. ​You will receive monthly and yearly reports and all the loan contracts are available in the service. The loan contract is legally binding and evidence of the contractual relationship between the borrower and the lender.

    Why would I invest?

    Invest smartly

    Peer-to-peer loans offer investors a possibility to high returns. The average yield of a Fellow Finance portfiolio has been ​12 % p.a. Peer-to-peer loans offer a new asset class to diversify your ​investments. The correlation between peer-to-peer loan returns and the stock or bond market movements is very limited. Thus, peer-to-peer is an optimal additional tool to manage and diversify your assets.

    miksi sijoitaisi



    Return & Risk

    The return for the investor is interest paid for the capital lent. The interest rate depends on the loan offers made by the investors

    The interest rates of the unsecured consumer loans vary. On average the annual rates have been over 12% p.a. On the comparison site we have gathered information for borrower about the funding options in Finland. The interest rate level is competitive for both the investor and borrower side.

    Why Fellow Finance?


     High returns

    The historical average annual return ​for our investors has been over 12% p.a.

    rajattu luottotappioriski

     Limited credit risk

    In case of borrower defaulting his loan, the loss is capped to 30% of the capital (in loans in Finland).


     Compound interest

    You can invest the monthly repayments in new loans and receive compound interest.

    Matala riski


    With a sum of 2500€ you can diversify in hundreds of loans according to your criteria. Simultaneously you can diversify your wealth in a new asset class.

    Korkoa korolle


    In our online service you can always see the real-time status of your investments and cash flows. We offer you tools to analyse your investments.

    Maksuton palvelu sijoittajalle

    Fees 0€

    Investing in through Fellow Finance is free of charge.

    turvallinen sijoitusmuoto

     ​Secure and safe

    Interest yield is legally based on a contract between the lender and the borrower. You are not financing the operations of Fellow Finance.


    Secondary market

    You can sell and buy loans on the secondary market. This enables you to withdraw your investments from the service quickly if needed.