Earn higher returns by smartly investing in consumer and business loans.

Type of investment

- Money lending

Type of funding

- P2P lending


Buyback guarantee

Secondary market

Auto invest

Main currency

EUR (€)

Avg. return

12.00 %

Min. investment

10 €

Savy overview – invest in consumer and business loans

Savy is the first peer-to-peer lending platform in Lithuania, established in 2014, which provides the opportunity to invest in loans issued to ordinary people and businesses. Over the relatively long period of its existence, Savy has earned the trust of many investors and has steadily established itself in the leading position of the peer-to-peer lending market. Around 12,000 investors are actively investing on Savy on a regular basis and have already funded more than EUR 52 million of loans over the lifetime of the platform. Savy is supervised by the Bank of Lithuania, which monitors the platform's activities in accordance with the criteria set out in Lithuanian legislation. We invite you to read the feedback and overview of the Savy platform.

Information and feedback about the Savy platform

On Savy, the peer-to-peer lending platform, investments are made on a so-called P2P (peer to peer) basis, where loans are funded by hundreds of different investors. It is very important to stress here that the Savy platform does not issue loans itself, but acts as an intermediary between investors and borrowers. In other words, Savy acts as a money lending platform for individuals seeking to borrow and as an investment platform for individuals seeking to invest their money. In order to build investor confidence, Savy invests at least 12% of its own funds in each consumer loan it issues.

Savy buyback guarantee

The platform has an "Investors' Fund", which is designed to compensate investors for potential losses if a borrower defaults for 90 consecutive days. You can invest in the loan with or without the "Investor Fund" by ticking the appropriate checkbox. If you choose to invest with an "Investors' Fund", part of the interest earned on the loan is paid into the Investors' Fund, and in the event of default, the Investors' Fund reimburses you for the outstanding portion of the loan and the interest accrued. "The Investors' Fund also takes over such insolvent loans from the investor and the administration of the Savy platform itself carries out all the necessary debt recovery actions.

It should be noted that the Investors' Fund is financed by the interest paid by borrowers. Therefore, on the one hand, this mechanism greatly reduces the risk of investment, but on the other hand, the investor receives a slightly lower return. Thus, when investing without an "Investors' Fund", the investor can expect that insolvency procedures are likely to take considerably longer and there is no guarantee that it will be possible to recover the debt in full with interest. "The Investors' Fund” helps to solve this problem and, for a small fee, provides the investor with a specific guarantee for the compensation of the insolvent loan.

Savy secondary market

The Savy platform has a secondary market where loans held by other investors registered on the platform can be purchased. The Savy secondary market allows you to buy or sell claim rights on loans issued. The buyer of the loan is charged a brokerage fee of 1% of the transaction amount. On average, around 34% of all investors participate in the secondary market, which means that the liquidity of loans on this investment platform is quite high.

Savy autoinvesting feature

The Savy platform has an optional auto-investment feature that is available to all investors registered on the platform. To start investing automatically, you first need to create and activate your automatic investment profile. All Savy platform investors with auto-investment profiles invest in loans on a first come, first served basis - once an investor has invested in a loan, he/she moves to the back of the auto- investment queue and waits for his/her turn to be added to the queue. It should be noted that on the Savy platform, investing is mainly automated. Automatic investing takes priority over manual investing, so most of the loans are not even on the list of manual investing loans, as they are fully funded automatically.


Savy provides detailed information on the platform's performance on its website. The data is available at: Here you can find statistics on consumer and business loans issued, the dynamics of secondary market activity and general information on the performance of the platform. Savy does not publish audited annual reports on its activities.

Investing with Savy

The Savy platform allows you to invest in consumer and business loans, as well as loans with real estate collateral. The platform's administration is made up of strong professionals in their field who responsibly assess the riskiness of borrowers. The self-investment platform does not carry out any monetary transactions itself, but only carries out the risk assessment of the loans issued and controls the loan financing process. Savy has a historical return to investors of around 12%, an average maturity of 34 months and a minimum investment of €10 per loan. The platform is open to all persons aged 18 and over.

Savy reviews - registration and first investment

To start investing with Savy, you first need to register and create an account. During the registration process, you will need to provide basic personal and contact details and authentication. Once you have registered, the next step is to log in to your existing or open a new Paysera account and link it to your Savy account. Thus, in order to invest on the Savy platform, it is necessary to have a Paysera account with an e-money institution and to make all investments only from it. Once you are done, all you have to do is top up your Paysera account with the desired amount of money and start investing.

When investing on the Savy platform, we recommend creating several automatic investment profiles. Most loans don't even reach the supply for manual funding, so without an auto-investment profile, you'll miss out on a lot of opportunities to profitably "employ" your money. The minimum investment per loan is only €10, so it's clear that anyone can invest on Savy's investment platform.

Savy feedback and summaries


  • The platform is supervised by the Bank of Lithuania
  • A functioning secondary market
  • Automatic investment option
  • The average historical return is 12%.
  • Start investing from just €10
  • One-stop shop for investing in consumer, business and real estate-backed loans

What to look out for:

  • 1% fee for buying loans on the secondary market
  • To invest, you must open a Paysera account

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