Lonvest Review 2026: Returns, 1% Cashback, Buyback Guarantee & Risks
Lonvest – Key facts
| Evidence DD | 56/100 |
|---|---|
| Annual Returns | 9-13% |
| Risk | HIGH RISK |
| Regulation | Unregulated |
| Lending model | In-house |
| Founded | 2023 |
| Minimum Investment | €50 |
Data last verified: · How evidence-led scoring works
Lonvest is a Croatia-based P2P investing platform that gives European investors access to short-term consumer loans issued by its partner SpaceCrew Finance, with a €50 minimum, Auto Invest only, a buyback and SpaceCrew guarantee, and target returns of roughly 9–13% a year. New investors who register through the P2PRadar partner link can claim 1% cashback on investments made in the first 90 days. This review sticks to the facts: what Lonvest offers, what stands out and which risks come with it.
Lonvest review: the quick answer
Lonvest is a simple, short-duration way to add consumer-loan exposure to a P2P portfolio. The pitch is easy to follow: you choose an amount, Auto Invest spreads it across loans, and its partner SpaceCrew Finance, which stands behind the originators, repurchases loans that fall behind. A €50 entry ticket and a reported portfolio with zero non-performing loans make it easy to try with a small amount.
The trade-off is just as clear: Lonvest is not regulated by a financial supervisor, publishes no audited financial statements, and every loan comes from a single partner, SpaceCrew Finance. P2PRadar classifies it as high risk, which is why it belongs in the small satellite part of a portfolio, not in the core.
Open Lonvest and claim 1% cashback
What is Lonvest?
Lonvest is operated by Lonvest Platform d.o.o., a company registered in Zagreb, Croatia, and has been running since 2023. It is owned by Roman Katerynchyk. Lonvest operates separately from SpaceCrew Finance and in partnership with it: SpaceCrew Finance is the lending group whose companies originate the loans offered on the platform.
Instead of listing dozens of unrelated lenders, Lonvest funds the consumer-lending businesses of this one partner. The upside is a short, easy-to-follow chain from investor to borrower; the other side is that your exposure sits with one partner.
Lonvest at a glance
- Launched: 2023, Zagreb (Croatia)
- Loan type: short-term consumer loans issued by companies of its partner SpaceCrew Finance
- Target returns: roughly 9–13% per year, depending on originator and loan term
- Minimum investment: €50
- How you invest: Auto Invest only (no manual selection); no secondary market, but an Early exit is available
- Protection mechanism: buyback of overdue loans plus a SpaceCrew guarantee
- Investor fees: none reported by independent reviews for registration, investing or withdrawing
- Regulation: none; no audited financial statements published
- Reported portfolio: about €2–3 million outstanding, reported as 100% performing
- Bonus: 1% cashback on investments in the first 90 days via the P2PRadar partner link
Lonvest returns: what to expect
Lonvest advertises annual returns in the 9–13% range, with independent reviews quoting figures between about 8% and 13.5% depending on the originator and the loan term. Loan terms are short, from around one month up to about a year, so capital comes back quickly and can be reinvested, which is the main appeal of short-duration lending.
Keep two things in mind. Advertised rates are gross and not guaranteed. And, as on any P2P platform, how much of your money is actually invested at any moment, how fast it is redeployed and how you are taxed all change your real result.
Lonvest 1% cashback: how it works
Investors who register through the P2PRadar partner link receive 1% cashback on the investments they make during the first 90 days after registration. On €1,000 invested, that is €10 on top of the interest.
Treat cashback as a bonus on an investment that already makes sense for you, not as the reason to invest. Campaign terms can change, so check the conditions shown in your account.
Buyback and SpaceCrew guarantee: how Lonvest protects investors
The main safety feature is the buyback: when a loan stays overdue beyond a set period, the originator repurchases it so the investor gets principal and accrued interest back. Independent reviews quote the trigger as 60 or 90 days of arrears, so confirm the current rule in Lonvest’s terms. The buyback is backed by a guarantee from Lonvest’s partner, the SpaceCrew Finance group.
The platform reports 100% of loans performing and no non-performing balance. Read that number carefully: borrower-level defaults are not disclosed, so it does not by itself show how the underlying borrowers perform. The buyback and the SpaceCrew guarantee are an additional layer of investor protection on top of the loans themselves, and they are only as strong as the partner standing behind them. That SpaceCrew has kept honouring its obligations since 2023 is a real positive.
Lonvest portfolio performance
Lonvest reports its portfolio as 100% performing, with no non-performing balance and roughly €2–3 million outstanding. The current figures are published on Lonvest’s statistics page. They are reported by the platform itself and are not audited, so check them there rather than relying on the snapshot in this review.
A note on Mexico: the 2026 suspension of the Mexican originator Clicredito relates to that one country only; a Malaysian originator was added the same year. On its own it says nothing about the performance of Lonvest’s whole portfolio or of all SpaceCrew Finance lending companies, which operate in other countries too. Read country-level information as country-level, and check the current originator list in your account.
Is Lonvest safe and legit?
Lonvest is a registered company in Croatia with a public track record since 2023 and a lending partner, SpaceCrew Finance, that has run consumer-lending businesses since 2016. Reviewers report no repayment problems to date.
At the same time, Lonvest is not regulated by a financial supervisor, there is no investor compensation scheme, and no audited financial statements are published for the platform or for SpaceCrew. Terms can change without notice. That is why P2PRadar rates it high risk and suggests sizing the position as money you can afford to leave committed.
Auto Invest, Early exit and withdrawals
Auto Invest is the only way to invest: you set the amount and Lonvest allocates it across available loans, so there is nothing to pick and little to maintain. There is no secondary market, but Lonvest offers an Early exit: independent reviews describe it as the option to cancel an investment at any time, free of charge, giving up the interest accrued up to the day of cancellation. Check the current Early exit rules in your account.
Withdrawals are capped at €5,000 per week, a limit that has always been in force rather than a recent change.
Lonvest fees and taxes
Independent reviews report no registration, investment or withdrawal fees for investors; the platform is paid through the lending side. Lonvest does not deduct tax at source, so interest and cashback should be declared according to the rules of your country of residence.
Who Lonvest is best for
- Experienced P2P investors who accept unregulated, single-partner exposure.
- Investors who already hold a core of regulated or diversified assets and want a small, higher-yield P2P satellite.
- People who like short loan terms and a hands-off, Auto Invest-only workflow.
- Investors comfortable with exposure to a single lending partner who read platform updates regularly.
- Anyone who wants to test the platform with a small amount, since the minimum is €50.
Who should skip Lonvest
- Anyone who needs regulated protection or an investor compensation scheme.
- Anyone who needs instant access to the whole balance (weekly €5,000 withdrawal cap; Early exit means giving up accrued interest).
- Anyone who expects returns to be guaranteed: target returns are not guaranteed and the buyback depends on the partner.
- Investors who would rather not depend on a single partner.
How to get started with Lonvest
Four steps keep the first investment simple and the risk small:
- Register through the P2PRadar partner link so the 1% cashback applies.
- Complete verification and check that Lonvest is open to investors from your country.
- Start with a small amount, enable Auto Invest and review the originator list and buyback terms.
- Reinvest gradually and keep Lonvest to a small share of your P2P allocation.
How this review was checked
Figures come from independent platform reviews published in 2026 (P2P Empire, Rethink P2P, Just P2P and P2P Market Data) and from P2PRadar’s own due-diligence file on Lonvest, reviewed on 1 October 2026. Terms, originators and limits change often, so the figures shown in your account are the ones that count.
Lonvest pros
- Low €50 entry point
- Short loan terms for fast reinvestment
- Buyback plus SpaceCrew guarantee
- Reported 100% performing portfolio, no non-performing balance
- Simple Auto Invest workflow
- 1% cashback on investments in the first 90 days
- No investor fees reported
Lonvest cons
- Not regulated; no investor compensation scheme
- No audited financial statements
- All originators come from one partner (SpaceCrew Finance)
- Auto Invest only and no secondary market (Early exit available)
- Short track record (since 2023) and a small portfolio
- Withdrawals capped at €5,000 per week (always in force)
Lonvest FAQ
Is Lonvest legit?
Lonvest is a registered company in Zagreb, Croatia, operating since 2023 in partnership with the SpaceCrew Finance lending group, with no repayment problems reported to date. It is not regulated by a financial supervisor, so legitimate here means a real operating business, not regulated investor protection.
What is the Lonvest minimum investment?
The minimum is €50. Some third-party reviews quote €10, so check the amount shown in your account.
How does the Lonvest cashback work?
Register through the P2PRadar partner link and receive 1% cashback on investments made within 90 days of registration. On €1,000 that is €10. Check the current terms on the platform.
What returns does Lonvest pay?
Advertised target returns are roughly 9–13% a year, depending on the originator and loan term. They are not guaranteed and are before your own taxes.
How does the Lonvest buyback guarantee work?
If a loan stays overdue beyond the buyback trigger (reported as 60 to 90 days), the originator repurchases it and returns principal and accrued interest, backed by its partner, the SpaceCrew Finance group. It depends on the partner’s ability to pay.
Can I withdraw my money from Lonvest at any time?
Withdrawals are capped at €5,000 per week, and this cap has always been in force. There is no secondary market, but Lonvest offers an Early exit that lets you cancel an investment free of charge, giving up the interest accrued up to the day of cancellation; otherwise funds return as loans are repaid.
Lonvest verdict
Lonvest is a simple, short-duration way to earn roughly 9–13% on consumer loans, with a low €50 entry, Auto Invest, an Early exit, a buyback and SpaceCrew guarantee and 1% cashback for new investors. Its strengths are simplicity and a clean reported record since 2023; its limits are the lack of regulation, of audited accounts and of diversification across lenders. It suits experienced investors who accept unregulated, single-partner consumer lending: the target return reflects those risks rather than hiding them. Keep it a small position, remember that returns are not guaranteed and that the buyback and SpaceCrew guarantee are only as strong as the partner behind them.