P2P Lending on Paysera: Investing and Borrowing Directly from Your Everyday Account
What is P2P Lending and Why Does It Exist?
P2P lending platforms operate on a simple principle: individuals with idle funds lend directly to those in need of financing. There is no traditional bank as a middleman – the platform simply connects both parties and ensures a smooth process.
For the Investor: An opportunity to seek returns by lending funds directly.
For the Borrower – A digitalized process that ensures a responsible creditworthiness assessment.
The platform earns a small service fee, while the risk is transparently distributed among the participants.
How Does It Work on the Paysera Platform?
The main differentiator of Paysera’s P2P service is that everything happens within the same account you already use for your daily operations.
If you want to invest:
No need to create a new account with another institution – simply confirm the P2P service agreement in your app.
Invest starting from just 10 EUR.
Choose loans based on risk ratings (A – lowest risk, higher ratings – potentially higher returns).
After completing the mandatory suitability assessment, you will be able to invest with just a few clicks.
Interest and the principal amount are automatically returned to your Paysera account with every repayment made by the borrower.
If you want to borrow:
Submit a loan request directly in the super app.
Your creditworthiness is assessed responsibly, in accordance with regulations approved by the Bank of Lithuania (checking data in Sodra, credit bureaus, and other databases).
You receive a risk rating and a personalized offer.
Once the loan is funded, the money appears instantly in your account.
What Makes Paysera Different from Other P2P Platforms?
| Other P2P Platforms | Benefits for Paysera Clients |
|---|---|
| Requires a new registration | Use your existing account |
| Identity verification required again | Your identity is already verified |
| Transfer funds to an external institution | Funds are already there – invest instantly |
| Multiple accounts and passwords | One login for your entire financial life |
How is Risk Managed?
The Paysera P2P platform operates under strict standards. Every borrower is evaluated individually, and the investor always sees the risk rating before making a decision.
Important: Investing always involves the risk of losing part or all of the invested funds. P2P investing is not a bank deposit; therefore, these funds are not covered by deposit insurance. The borrower may default on their obligations.
When Does It Make Sense?
Investing is worthwhile if you have idle funds, understand the investment risks, and want to diversify your portfolio with small amounts.
Borrowing is worthwhile if you need efficient financing (from 300 EUR), value transparency, and a clearly indicated total cost of the credit.
The Next Step
P2P lending is already available to all Paysera clients in the super app. You do not need to activate anything extra – simply open the super app and explore the opportunities.
Everything is already here. All in one place.